Two people with the same condition can get two very different decisions from their insurer. Download our free fact sheet to see what actually separates an approved long-term disability claim from a denied one.
Why Does This Happen?
A denial usually isn’t about how serious your condition is. It’s about how your condition affects your work, and how well that’s documented.
A condition that ends one person’s career might barely affect a different role, since insurers weigh your symptoms against what your specific job actually demands. They also look at whether you can do that job reliably across a full schedule, not just on a good day, so frequent or unpredictable symptoms often make for a stronger claim than occasional ones.
Even a well-established condition can be denied if the paperwork doesn’t back it up. Our fact sheet covers the most common documentation gaps and what to do about them.
What You’ll Learn
The three factors insurers actually weigh, beyond diagnosis
The most common reasons LTD claims get denied
A step-by-step checklist: before you file, during the claim, and if you’re denied
