Info Library

When your long term disability benefits are denied, one of the most important parts of your appeal is the medical evidence you submit. Insurance companies don't just take your word for it—they want to see consistent, objective documentation that proves your condition prevents you from working. Whether your claim is governed by ERISA or a private policy, your medical records will form the backbone of your case.

This guide explains what types of records matter most, how to strengthen your file, and why the way you present your medical evidence can make all the difference in the outcome of your appeal.  

If your long term disability benefits have been denied or terminated, you may be feeling overwhelmed and unsure of what to do next. One of the most important things to understand is that you have a limited time to file an appeal. Whether your claim falls under ERISA (the federal law that governs most employer-sponsored disability plans) or is based on a private policy, the appeal process is often your last and best chance to secure the benefits you deserve without going to court.

If you’re navigating a claim denial, understanding your rights and how to protect them can make all the difference. Below we’ll answer common questions about long term disability appeal deadlines and why it’s so important to make your appeal count. 

If ERISA applies to your long term disability claim, you have the right to request and review your claim file in the event of a denial.  This is a critical right to exercise before filing your ERISA long term disability appeal.  Having the claim file will give you valuable insight as to why your insurer denied your claim. 

You must strategize to win your long term disability appeal under ERISA. One misstep is all it takes to result in a final denial necessitating litigation. These five steps will help you plan to win your long term disability appeal.  

Here are five do's and don'ts that will help you win your long term disability appeal.