LTD Denials

If you’ve been denied long-term disability (LTD) benefits, you’re not alone — and it’s not the end of the road. Insurance companies often deny valid claims, leaving hardworking people without the income they rely on. At Asaad Law, we fight back.

We represent individuals whose LTD claims have been denied, terminated, or delayed — whether through private insurance or group benefit plans. We understand how physically, emotionally, and financially draining this process can be, and we’re here to guide you every step of the way.

 We Can Help If:

• Your LTD claim was denied or cut off

• The insurance company says you don’t meet the “total disability” test

• You’re being pressured to return to work before you’re ready

• You’ve been told there’s “insufficient medical evidence”

• You’re struggling with mental health conditions and were denied

• You want to understand your rights before applying or appealing

  • Insurance companies often deny claims for reasons like:

    • “Insufficient medical evidence”

    • “You don’t meet the definition of disability”

    • “Your condition is not severe enough”

    • “You can return to work in some capacity”

    Even if your claim is denied, that doesn’t mean you’re not disabled — it means your insurer is challenging it. We can help challenge their decision and fight for your benefits.

  • Most LTD policies have two stages:

    1. For the first 2 years: You must show you can’t perform your own occupation

    2. After 2 years: You must show you can’t perform any occupation you’re reasonably suited for

    You don’t have to be completely bedridden. If your condition — physical, psychological, or both — prevents you from working regularly and reliably, you may qualify.

  • You can — but internal appeals are often unsuccessful and just delay your case. Insurers review their own decisions, and many people go through multiple appeals only to be denied again. We typically recommend starting a legal claim instead — it puts real pressure on the insurer and often leads to a fair settlement.

  • You generally have 2 years from the date of the denial or termination to start a legal claim. But don’t wait — insurers often try to run out the clock. The sooner we get started, the better chance we have to build a strong case.

  • Most LTD cases settle out of court through negotiation or mediation. We prepare every case thoroughly in case a trial is needed, but our goal is always to resolve your case efficiently and fairly.

  • We work on a contingency fee basis, meaning you don’t pay us anything unless we recover money for you. There are no upfront costs, and we offer free consultations so you can understand your options without pressure.