ProPublica recently filed a very well sourced article on the lengths health insurers will take to deny coverage in order to preserve profits. https://www.propublica.org/article/priority-health-michigan-cart-insurance-vanpatten-denials
When a claim is denied you as the claimant have certain rights.
As the article explains this includes the right to obtain a copy of the claim file which should include the notes from the claim administrator and any medical personnel who have reviewed your claim. As ProPublica notes:
“Taken together, these documents can offer a window into the opaque system of health insurance denials. Details in them have helped us report on some of the country’s largest insurance companies and their attempts to cut costs at the expense of patient well-being.”
If your claim for Long Term Disability benefits has been denied, call and speak with the attorneys at SMDA for a free consultation.