LTD denial appeals, by carrier
Group long-term disability policies are ERISA plans. You have 180 days from the denial letter to file the administrative appeal — and that appeal is the last chance to build the record a federal court will ever see.
Pick your carrier
Why the LTD appeal matters more than the lawsuit
In an ERISA disability case, a federal court almost always reviews only the administrative record — the documents the carrier had when it made its final decision. New evidence introduced in court is usually inadmissible. Every reviewer opinion you fail to rebut, every objective test you fail to add, and every piece of surveillance you fail to answer in writing becomes locked into the record on the day the appeal is decided. That is why the 180-day window is the most important date in an LTD claim.
Upload the denial letter. We'll request the full claim file, rebut each reviewer physician by name, and prepare the appeal within the ERISA 180-day window.