Top Ten Reasons for LTD Insurance Denial
You Are Denied Long Term Disability Because You Are Erisa Preempted.
Because you obtained your insurance at work, it makes no difference how disabled you are, or what you can no longer do. Furthermore, it makes no difference if you have been bankrupted, destroyed, ruined and rendered homeless as a result of the wrongful denial of your claim. You can’t sue us for bad faith, fraud or any such thing. We are immune from all of that. Simply immune. That’s the law. If you don’t like it, hire a team of lobbyists. We’ll see you in D.C.
You are denied long term disability because you may be only partially disabled
But not totally disabled. “total disability” is defined in your policy as your “inability to perform the important duties of your own occupation.” “residual disability” is defined as your “inability to perform some of the important duties of your occupation.” this may seem confusing to you as a layman, but the bottom line is that residual pays about 25% of what we would owe you under total. Enclosed is your residual disability check for last month. If you have any questions, please call our customer care hotline recording. And remember, your call is important to us.