We often discuss wrongful long-term disability insurance claim denials in this blog. Many of our readers might wonder why it is that disability insurance companies deny claims so often. The answer to this is complex, as there are a number of reasons claims might be denied, but a recent Huffington Post column discusses a few of the issues.
When someone's long-term disability benefits claim is denied in Wisconsin, it may be important to seek legal counsel to determine whether the insurer is making a mistake or even acting in bad faith. Long-term disability insurance is a safety net so that workers will have a source of income should they become disabled prior to retiring, but unfortunately, it can be very difficult to obtain benefits.
Many people in Wisconsin have long-term disability insurance policies through their employers. Others may have purchased long-term disability insurance independently. This is a very important type of insurance because it provides a safety net in case one suddenly can no longer work due to an illness or in injury. However, as with many types of insurance, it can be difficult to get the insurer to hold up to its end of the deal when it is time to obtain benefits.
In Wisconsin, and throughout the country, workers are far too often denied the employment benefits that they have been promised. For example, often long-term disability benefits claims will be denied for very questionable reasons. When this happens, it is possible to stand up to fight for one's rights, but it can be quite complicated to determine which company is responsible for the error--as the employer, insurer and plan sponsor might all be separate companies.