When an illness or injury prevents you from working, long-term disability (LTD) insurance should provide financial relief. Unfortunately, many claims are delayed, underpaid, or denied altogether. At Aiello Law Group, our long-term disability lawyers understand how devastating these setbacks can be, and we’re here to help you fight back.
With nearly 150 years of combined legal experience, our team has successfully represented thousands of clients across Michigan. We know how to navigate the complex world of disability law and ensure your rights are protected. If you’re struggling with a claim or appeal, call us today at (248) 281-4247 to request a consultation.
Understanding Long-Term Disability Claims
Long-term disability benefits are designed to replace a portion of your income if you become unable to work for an extended period due to illness, injury, or chronic conditions. These policies are often provided through an employer or purchased privately.
However, even with proper medical documentation, insurance companies often deny legitimate claims. They may claim your condition isn’t severe enough, argue that you can perform “other work,” or use confusing policy language to justify their decision.
That’s why working with a lawyer for long-term disability can make a significant difference. At Aiello Law Group, we know the tactics insurers use—and how to counter them effectively.
Common Reasons Long-Term Disability Claims Are Denied
A long-term disability denial can feel like a personal attack, but denials are often the result of a strategy rather than evidence. Common reasons include:
- Incomplete or inconsistent medical records
- Missed deadlines or paperwork errors
- Claims that your condition isn’t “disabling enough”
- Surveillance or biased medical reviews by insurance companies
- Lack of objective proof for subjective symptoms, such as pain or fatigue
Our long-term disability denial lawyers know how to gather strong medical evidence, challenge unfair evaluations, and appeal denials strategically.
How Aiello Law Group Can Help
When you hire Aiello Law Group, you gain a team that blends compassion with legal experience. We handle every aspect of your case so you can focus on your health and recovery.
Here’s what sets our long-term disability law firm apart:
- Decades of proven success: With nearly 150 years of combined experience, our attorneys have earned a reputation for winning difficult cases.
- Personalized attention: We take the time to understand your unique medical situation, employment background, and insurance policy.
- Compassionate support: We treat every client like family — guiding you through the process with empathy and respect.
When you’re unable to work, you shouldn’t have to fight for financial stability alone. Our long-term disability attorneys are ready to fight for you.
The Appeal Process: What to Expect
If your LTD claim has been denied, you have the right to appeal — but strict deadlines apply. The appeals process can be complicated, especially under ERISA (the federal law governing many employer-sponsored policies).
Our team will:
- Review your denial letter and policy in detail
- Collect additional medical and vocational evidence to strengthen your case
- Communicate directly with your insurer on your behalf
- Prepare a comprehensive appeal that meets all filing requirements
If necessary, we’re prepared to take your case to federal court. With Aiello Law Group, you can trust that your case will be handled with precision, experience, and persistence.
Don’t wait—call (248) 281-4247 today to schedule your consultation and begin the appeal process.
Conditions That May Qualify for Long-Term Disability
Our attorneys represent clients with a wide range of physical and mental health conditions, including:
- Chronic pain, back injuries, and spinal disorders
- Heart disease and cardiovascular issues
- Autoimmune diseases such as lupus or multiple sclerosis
- Cancer and other long-term illnesses
- Depression, anxiety, PTSD, and other psychiatric disorders
- Neurological conditions and cognitive impairments
If your condition prevents you from working full-time, you may be eligible for LTD benefits. Let our long-term disability lawyers evaluate your case and explain your next steps.
Contact Aiello Law Group Today
Don’t face the insurance company alone. Whether you’re filing a new claim or appealing a denial, our long-term disability law firm is ready to stand by your side every step of the way.
Call (248) 281-4247 or contact us online today to schedule a consultation. With Aiello Law Group on your side, you can focus on your health while we focus on getting you the benefits you’ve earned.
