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Tricks Long-Term Disability Insurers Use To Deny Benefits

Today in the Claimants ERISA Blog, David Rintoul discuss an tactic he experienced in representing a Stratford client disabled by migraines in an appeal of a long-term disability denial.  The insurer sent detailed questionnaires to the doctors, but never asked for information on the frequency, duration and severity of the headaches. The insurer then denied benefits because there was no evidence of frequency, duration or severity.  Why didn’t the insurer ask for this information if it was crucial to deciding the appeal?  For more information on other tricks insurers play and for more information on long-term disability claims, go to David’s blog, or the employee benefits practice page.