Receiving a denial for your Long-Term Disability (LTD) claim can feel like having the rug pulled out from under you. You’ve likely done everything right—submitted detailed paperwork and followed your insurer’s process—only to face rejection when you need support the most. What’s worse, many insurers suggest pursuing an internal appeal as the next step. While this may seem like the obvious choice, internal appeals are often riddled with delays and bias, leaving claimants stuck in endless frustration.
There’s a better way. Working with an experienced disability law firm, like Kotak Law, can help level the playing field. With Lexpert-recognized lawyers ready to take on even the most challenging cases, Kotak Law can help you sue your insurance company and bring them to the negotiating table or, if necessary, represent you in court. Here why bypassing internal appeals in favor of professional legal assistance could make all the difference in your fight for LTD benefits.
What Is an Internal LTD Appeal?
After an LTD claim denial, many insurance companies offer an internal appeal as a means to contest their decision. This process requires claimants to resubmit documentation, often to the same insurance staff who issued the initial denial. On the surface, it might appear to be an opportunity for the insurer to reconsider your case, but in reality, internal appeals tend to work against claimants.
The Problem with Internal Appeals
While internal appeals may seem like the easiest path forward, several issues can diminish your chance of success:
- Lack of Genuine Review
Internal appeals are conducted by employees of the same insurance company that denied your claim initially. It’s not uncommon for insurers to maintain their original decision unless presented with overwhelming new evidence. Even then, biases may persist, as the ultimate goal of an insurance company is to protect its bottom line—not yours.
- Time-Consuming Delays
Internal appeal processes can drag on for months. During this time, claimants are left without financial support, putting enormous strain on their finances, health, and well-being. Worse, this delay could eat into the time limits you have to launch a legal claim, further jeopardizing your ability to secure benefits.
- Unnecessary Emotional Stress
Navigating an internal appeal while grappling with the physical, emotional, and financial challenges of a disability can be overwhelming. Insurers can use this stress to their advantage, hoping claimants will give up before the process is complete.
Given these drawbacks, it’s understandable why many individuals feel frustrated and defeated. However, there’s a more strategic and effective option available.
Why You Should Consider Hiring a Disability Law Firm
If your LTD claim has been denied, working with a specialized disability law firm like Kotak Law can significantly increase your chances of success. Unlike the internal appeal process, which plays out on the insurance company’s terms, legal representation shifts the power dynamic in your favor.
The Advantages of Legal Representation
- Unbiased Advocacy
A disability lawyer is dedicated solely to your best interests. At Kotak Law, our experienced team will analyze every detail of your case, identify weaknesses in the insurer’s decision, and build a compelling legal argument to bolster your claim.
- Expedited Outcomes through Negotiation or Legal Action
By involving skilled negotiators, you signal to the insurance company that you’re serious about pursuing your rights. Kotak Law’s lawyers are adept at bringing insurers to the negotiating table and achieving favourable outcomes swiftly. If negotiations fail, we’ll take your case to court to fight for your benefits.
- Access to Top-Tier Legal Expertise
Kotak Law is proud to have Lexpert-recognized lawyers who are leaders in the disability law field. Their reputation and expertise can make a profound difference in the outcome of your case. Insurers are more likely to cooperate when faced with legal professionals who know how to hold them accountable.
- Relief from Stress and Burden
Dealing with a denied LTD claim is exhausting, especially when you’re already dealing with a disability. By entrusting your case to Kotak Law, you can alleviate much of the emotional and procedural burden, allowing you to focus on your health and recovery.
How Kotak Law Helps Claimants with LTD Denials
Choosing Kotak Law as your legal partner means working with a firm that genuinely cares about its clients. From the moment you reach out, we’ll provide compassionate, personalized support. Here’s what you can expect from our process:
- Comprehensive Case Evaluation
We’ll start by reviewing the details of your claim, including your medical evidence, policy terms, and the insurer’s reasons for denial.
- Tailored Legal Strategies
Every case is unique. We’ll craft a strategy that addresses your specific situation and maximizes your chances of securing a positive outcome.
- Engagement with Medical Experts
To strengthen your case, we work with trusted medical professionals who can provide additional evidence to counter the insurer’s arguments.
- Clear Communication
We’ll keep you informed at every stage of the process, ensuring you understand your rights and options.
Take Action to Secure Your Benefits Today
Filing an LTD claim is already a complex and challenging process. If your claim has been denied, don’t waste valuable time and energy on an internal appeal likely to end in disappointment. Instead, take control of your situation by partnering with one of Canada’s leading disability law firms.
At Kotak Law, we believe in fighting for what’s fair. Our team has helped countless clients just like you overcome the odds and secure their deserved benefits. With our expertise and commitment to your success, you’ll have a steadfast advocate every step of the way.
Contact Kotak Law for a Free Consultation
You don’t have to face this battle alone. Reach out to Kotak Law today for a free, no-obligation consultation. Together, we’ll evaluate your case and take decisive action to hold your insurance company accountable. Your road to justice starts here.
At Kotak Law, justice isn’t just a goal—it’s our promise.
