Your Claim Was Denied.

A denial isn't a medical verdict

Insurers deny a lot of valid claims, because most people give up after the first letter. The doctor whose name is on your denial usually never met you and read your file for an hour. A denial is a business decision, not the final word on whether you're disabled.

The deadline that actually matters

There's a two-year window to take legal action, and it starts from the date of the written denial. Internal appeals don't pause it. A lot of people spend that window appealing to the same insurer that denied them, and only realize too late that the real deadline was running the whole time.

Mental health claims count the same as physical ones

Depression, anxiety, PTSD, burnout, post-concussion symptoms, all of these qualify when a doctor confirms you can't work. You don't need a psychiatrist or a perfect diagnosis to start; a family doctor's note is enough. The law is clear that mental health claims have to be treated the same as physical ones.

What changes at the two-year mark

After two years on LTD, the test in most policies shifts from whether you can do your own job to whether you can do any occupation suited to your training and experience. Insurers often imply that means any job at all. It doesn't. It has to be real work that matches your background and pays close to what your benefits pay. If no such job exists for you, you're still entitled.

IMEs and surveillance, in perspective

Two things that worry people more than they should:

The rule that protects you is consistency: what you tell your doctor, what you tell the adjuster, and what's visible online should all line up.

Why a call changes the dynamic

Once a lawyer is on file, the insurer stops contacting you directly, which is a relief most people don't expect. We work on contingency, so there's no cost to ask, and a short conversation can tell you whether your claim is worth pursuing and what the timeline really looks like.