Nashville Long Term Disability Lawyer

Nashville Long-Term Disability Insurance Attorneys Serving Central Tennessee

Your job is your livelihood. You depend on your paycheck to support yourself and your family—so what happens if you get hurt and can’t go back to work for weeks, months, or years? If you have long-term disability insurance, you can file a claim with your insurance provider to receive replacement income for the duration of your injury, but it’s not always easy to get the money you deserve.

Insurance companies are in business to maximize their profits—not pay out money to their clients. At Matt Hardin Law, our Nashville long-term disability insurance lawyers believe that injured victims like you are entitled to every last penny of the money you’ve paid into your own insurance plan if you can’t return to work. To speak with our legal team, dial complete a free online form. We’ll put our two decades of experience to work for your family, and we won’t rest until we’ve helped you get the money you deserve.

Why Are Long-Term Disability Claims Denied?

Almost everyone assumes that purchasing long-term disability insurance means that they will be covered in the event of an accident, illness, or injury that prevents them from working, but the truth is that insurance companies regularly reduce or deny claims from their own clients. The reasons that claims are reduced or denied can vary significantly, but some of the most common circumstances include:

Incomplete or missing paperwork

Filing a claim with your insurance company when you can no longer work requires submitting several pieces of documentation describing your injuries, their severity, and how long they’re expected to last or interfere with your ability to work. Some insurance companies misplace documents sent by customers, and others may arbitrarily request more information after you’ve already submitted the original documents.

Skepticism about whether your injury or illness prevents you from working

It’s common for insurance companies and their teams of adjusters to assume that their clients aren’t actually disabled or that the injuries and illnesses they’re suffering from are less severe than what the clients describe. In many cases, clients must jump through hoops to prove beyond a doubt that their conditions prevent them from doing the work they did before or from doing any work at all.

Medical reports not providing enough evidence about your injury or illness

Even submitting full documentation describing your injury or illness isn’t considered enough proof for some insurance companies, as they may question symptoms like pain and fatigue as being too vague and not indicative of a disabling condition. In other cases, adjusters will claim that certain illnesses and injuries should heal within a certain timeframe and use that explanation to reduce or deny your compensation.

Missing, lapsed, or non-existent coverage

In some cases, insurance companies will claim that an injured client’s coverage is either unable to be located, is no longer active due to missed payments or cancellation, or never existed in the first place. Knowing your policy number and other pertinent information regarding your account, including confirmation numbers for payments or receipts, can help prove that your coverage exists and payments are up to date.

Missed deadlines for submitting documents

There are deadlines for both filing your initial claim for compensation after you develop an illness or injury that prevents you from working and deadlines for filing an appeal if your claim is denied. It’s important to remember these deadlines and stay well within these timeframes, as missing a single deadline can seriously jeopardize your chances of getting the money you deserve.

We Can Handle Your Long-Term Disability Appeal from Beginning to End

When you decide to get a Nashville long-term disability insurance attorney on your side, it’s important that you get a law firm that understands the best way to handle an appeal every step of the way. In addition, you also need an attorney that’s willing to take the time to walk you through the process and make sure you feel comfortable with the way your appeal is progressing and the necessary steps that must be taken to maximize your chances of getting the full benefits you deserve.

To learn more about how we help clients like you appeal their LTD denials, check out the pages below:

  • Long-Term Disability Insurance FAQ: If you’ve never filed an LTD claim before or you want more information about the appeals process, our frequently asked questions page can help you learn more about what you can expect over the next several months.
  • What Is the Appeals Process for a Denied LTD Claim?: If your initial claim was denied, you may be wondering what to do next. The insurance company won’t be very helpful at this time, as it’s in their best interests for you to drop the matter entirely. But you have the right to appeal their decision, and this page can help you understand the appeals process every step of the way.
  • Why Hire a Long-Term Disability Insurance Attorney?: It’s true that you can file an appeal on your own after your initial claim is denied. However, doing so can put you at a serious disadvantage. Insurance companies and their teams of adjusters know how to work the system to deny appeals—especially if they can point to minor errors like missing paperwork, inconsistencies in your medical records, or statements you made that make your injury or illness appear to be less serious. An LTD attorney can handle every aspect of your appeal and preserve your rights to the full benefits you deserve.
  • Dos and Don’ts for Filing a Long-Term Disability Insurance Appeal: Trusting your LTD appeal with an experienced and dedicated law firm is the best thing you can do if your claim is denied. However, there are still important things you should and should not do while your appeal is being processed to improve your chances of getting full benefits. This page lists a few ways you can improve your appeal’s chances, as well as a few ways that you can inadvertently jeopardize your chances of winning.
  • What Are Your Rights When Filing an LTD Appeal?: When you decide to file an LTD appeal, you may receive conflicting information from your employer and your insurance provider in terms of what you can and cannot do during this time. It’s important to know your rights and to never be coerced into doing something that can harm your appeal’s chances of succeeding. This page has a list of the rights you can and should exercise when you decide to appeal the insurance company’s initial decision on your LTD claim.

Contact Matt Hardin Law Today

Although insurance companies frequently deny claims, our Nashville long-term disability insurance lawyers know their tactics and their tricks of the trade. We stay one step ahead of the insurance adjusters, and we prepare appeals that are accurate, complete, packed full of evidence, and submitted well before the deadline.

If your claim was denied, it’s important that you act fast to avoid missing important deadlines and to give us the necessary amount of time to gather evidence to build an appeal that the insurance company simply can’t ignore. Contact us today at by completing a free online form. We’re here to help you get the money you need to support your family.

Client Review

“I'm super pleased with Matt and his whole team. I was hesitant to contact a lawyer after my accident, but I'm so glad I did!”