Long-Term Disability Denial

You did everything right. You worked hard. You paid into the system. You followed the rules. But when you needed the long-term disability benefits paid for, your insurance company told you no.

That “no” doesn’t have to be the end. HerCaseMatters can connect you with experienced attorneys who can fight your insurer’s decision and get the benefits you deserve. Get a free case review now.

Published on: July 10, 2025

Fight Back Against an Unfair Denial

If your long-term disability (LTD) claim has been denied, you may be feeling overwhelmed, confused, and unsure of your next steps. At HerCaseMatters, we help women who’ve been wrongly denied the financial support they need after a serious illness or injury.

Long-term disability insurance is intended to help support you if you’re sick or injured and cannot work. However, over half of all long-term disability claims are denied, often without a valid reason.

Why Are Long-Term Disability Claims Denied?

The truth is, most denials come down to this: They’re hoping you’ll give up. They know the system is hard to navigate. They know the rules are confusing. And they know how to use both to protect their profits.

You might’ve been told:

Your condition “doesn’t meet the definition of disability”
There isn’t enough medical evidence
You missed a deadline, even by a day
You can supposedly work a “sedentary” job
You didn’t follow treatment recommendations exactly

None of these reasons means your suffering isn’t real. They just mean the insurance company is looking out for their best interest — now it’s time for you to look out for yours.

“When I got sick and couldn’t work anymore, my insurance company denied my long-term disability claim. I felt lost and betrayed. But they listened and cared about my story. Now, I have the help I need to move forward.”
– Victim of Wrongfully Denied Disability Claim

Don’t Give Up on Benefits You Deserve

Sadly, what should be a straightforward process is often anything but simple. Despite paying premiums, your insurance company may have unfairly denied your legitimate disability insurance claim, leaving you without a steady income.

In some cases, insurers may drag out their decision, intentionally delaying their answer. Without an official denial, you can’t file your appeal, another bad faith tactic.

Insurance companies known for disability insurance denials include:

Aetna
Allstate
Anthem
Cigna
Disability Management Services
Guardian Life
The Hartford
Liberty Mutual
Lincoln Financial
Lloyd’s of London
MetLife
Northwestern Mutual
Prudential
The Standard
State Farm
Sun Life
UnitedHealthcare
Unum

Note: This list is not exhaustive. If your long-term disability insurance claim was denied but your insurer isn’t listed above, you may still have options.

What Can You Do to Fight Back?

If you were denied long-term disability, it’s important to act quickly. Appeals often have strict deadlines and waiting too long can limit your options. That’s where we come in.

We’ll connect you with top long-term disability lawyers who can help you:

Understand exactly why your claim was denied
Gather new evidence and medical records
Build a strong appeal that can withstand their scrutiny
Submit a second appeal if your first was denied
File a bad faith lawsuit if necessary

No one should have to battle an insurance company while recovering from a serious illness or injury. Let us help carry some of that weight.

Past Long-Term Disability Settlements

$1.15 Million for a woman in California with a denied disability claim
$800,000 for a denied Unum long-term disability claim in California
$450,000 for an Alabama client who was denied disability benefits
$400,000 for a long-term disability insurance denial case in Ohio
$395,000 for a denied long-term disability claim in Georgia

Occupations Often Affected by LTD Denial

Unfortunately, long-term disability denial doesn’t just affect one occupation — it can affect anyone who pays for an LTD insurance policy and has to file a claim.

Workers affected by long-term disability denial may include:

Cashiers and stocking associates
Construction workers
Doctors, nurses, dentists, dental hygienists, and other medical professionals
Government employees
Hairdressers and cosmetologists
Immunocompromised workers unable to work due to illness or health issues
Mechanics
Professional athletes or musicians who were injured and can no longer perform
People who had COVID-19 and experienced long-haul symptoms that interfere with their ability to work
Servers and bartenders
Teachers
Truck drivers

This list is not exhaustive. We may be able to help anyone who is facing a long-term disability denial, regardless of their occupation.

You Deserve the Time to Heal

Losing your income doesn’t just affect your finances — it touches every part of your life. Your health. Your home. Your sense of stability.

We believe in your right to recover without fear. And we’re here to help make that possible. Tell us what happened, and we’ll connect you with someone who can help.

Contact our team now. The lawyers in our network have helped clients recover over $141 million nationwide.

Frequently asked questions

What conditions qualify for LTD but are often denied?

Many legitimate long-term disability claims are denied simply because the condition doesn’t “look” disabling on paper. We work with legal teams who understand the complexity of:

Autoimmune diseases (like lupus, MS, or rheumatoid arthritis)
Cancer and the side effects of treatment
Cardiovascular conditions
Chronic pain or post-surgical complications
Fibromyalgia and chronic fatigue syndrome
Neurological disorders
Long COVID symptoms
Severe mental health conditions, including PTSD, anxiety, and depression

Even if your condition isn’t listed here, that doesn’t mean you don’t have a case. We take the time to listen — and understand what you’re truly going through.

What should I do if my long-term disability claim is denied?

If your long-term disability claim has been denied, you should contact an attorney as soon as possible. They can help gather the medical information needed to build a stronger claim and file an appeal.

Our network of disability insurance attorneys knows the ins and outs of the insurance industry and can help identify the best path forward for your case.

Written by: Her Case Matters

At HerCaseMatters, we believe women deserve to be heard — especially when it comes to their health and safety. Too often, harmful drugs, devices, and corporate wrongdoing impact women’s lives without proper warning, support, or accountability. We’re here to change that. We work with trusted legal partners who are deeply experienced in holding powerful companies accountable. But more than that, we’re here to remind women everywhere that their pain is real, their experiences matter, and they deserve justice.