Serving clients throughout PA, NJ, NY, and MD. If your long-term disability (LTD) insurance company has denied, delayed, or terminated your claim, you have important rights — and a ticking clock. LTD claims are governed by ERISA, a federal law with strict deadlines and procedures. Siddons Law Firm represents LTD claimants. Call (610) 255-7500.

Key Takeaways

  • LTD insurance companies deny a significant percentage of claims at first filing. An experienced LTD attorney can often reverse a denial through the ERISA appeals process.
  • You usually have only 180 days from the denial letter to file an administrative appeal — miss that deadline and your case may be over.
  • Individual recoveries commonly range from $100,000 to $500,000+; some policies have substantially higher benefits and lump-sum settlement values.
  • Most ERISA policies are governed by a limited “administrative record,” which means the evidence you submit BEFORE filing suit is everything.
  • Contingency fee available for most cases. No fee unless we recover.

Common Reasons LTD Claims Are Denied

  • “Your condition is not disabling under our policy definition”
  • “Your medical records don’t support a disability”
  • “You can perform sedentary work” (even when you can’t)
  • “Your disability is based on a mental-health condition and the policy has a 24-month limit”
  • “You failed to comply with the attending-physician requirement”
  • “Surveillance showed you performing activities inconsistent with disability”

What Our Firm Does

  • LTD Appeals: We build a complete administrative record — updated treating-physician statements, functional capacity evaluations, vocational evidence, and legal arguments that force the insurer to reconsider. Learn more →
  • ERISA Litigation: When appeals fail, we file suit in federal court to force the insurer to pay. Learn more →
  • Individual (non-ERISA) policies: If you bought an individual policy (not through your employer), state bad-faith law applies and can substantially increase your damages.

Who May Qualify

  1. You have an LTD policy through your employer, a private carrier, or an association.
  2. You are unable to perform your job due to a medical condition.
  3. Your claim has been denied, delayed, or terminated — OR your benefits are about to transition from “own occupation” to “any occupation” (a common termination trigger).

Why Choose Our Firm

ERISA LTD litigation has a tiny plaintiffs’ bar nationally. Siddons Law Firm represents LTD claimants throughout PA, NJ, NY, and MD with the support of nationally recognized ERISA co-counsel. No up-front cost. Contingency fee available.

Frequently Asked Questions

My denial letter gives me 180 days to appeal. Do I have to use an attorney?

No, but we strongly recommend it. The 180-day administrative appeal is your last real chance to put evidence in the record. Courts are almost always limited to the administrative record when reviewing ERISA denials.

Can I sue immediately?

No. Federal law requires you to exhaust the internal administrative appeal first.

What if my disability is mental health related?

Many LTD policies cap mental-health benefits at 24 months. We may still be able to document dual physical-and-mental-health conditions to extend benefits.

Start Your LTD Case

Call (610) 255-7500 or email msiddons@siddonslaw.com. Free case review. Serving PA, NJ, NY, and MD.