If the insurance company sends you a denial, you have the legal right to an appeal in a long term disability case.
The denial letter is really important because that denial letter is going to tell you that you have an ability to appeal. And the ability to appeal is not something that the insurance company gave you because they like you, but it’s something that’s actually mandated by law.
The appeal is literally the most important part of your long term disability case. In my mind it represents your singular opportunity to fight back. It represents your ability, your opportunity, to put evident into the record.
In so many of these cases you don’t get a trial. You don’t even ever get to go to the courthouse or take the stand so the quality of your appeal is really really important. That is why typically you should have a lawyer do it for you.