Should I Appeal?

Some long-term disability (LTD) policies require the insured to first proceed with an internal review of the denial before proceeding with an action for the payment of benefits. Other policies do not require this review, instead, some policies require the insured to commence with an action for the payment of benefits within 1 year of the denial, usually the date of the denial letter.

More generally, you have 2 years from the date of the denial to commence an action for the payment of benefits. It is very important that you read your policy to ensure you know when to commence an internal review and/or when to commence an action.

Whether and when you should “appeal” depends on the merits of your case. Call me to discuss your case.