If you believe your insurance company has wrongfully denied your claim for long-term or short-term disability benefits, you may be eligible to start legal action against your insurance company.
A legal action allows the court, an independent third party, to review your case. This means your claim has a higher chance of being perceived differently.
Meanwhile, if you appeal an insurance company’s denial, you are leaving the appeal up to the company’s employees and internal processes to review your case again.
However, filing a lawsuit may be more expensive and time-consuming. It may also be more stressful. Talk to your LTD claims lawyer to learn whether you should file an appeal or sue your insurance company.