Serving clients throughout PA, NJ, NY, and MD. If your long-term disability insurance company denied your claim, you usually have only 180 days to file an administrative appeal — and that appeal is your last real chance to put evidence in the record. Siddons Law Firm handles LTD denial appeals under ERISA. Call (610) 255-7500.
Why the 180-Day Appeal Matters
Under ERISA, federal courts reviewing a denied LTD claim are generally limited to the administrative record — meaning the evidence that was submitted to the insurance company before you filed suit. If you don’t get the right medical evidence, functional capacity data, vocational reports, and legal arguments into the record during the appeal, you cannot add them later in court.
What We Do on an Appeal
- Obtain the full claim file from the insurer
- Identify weaknesses in the insurer’s internal medical review
- Order updated treating-physician statements and functional capacity evaluations
- Commission vocational expert reports when disputed
- Prepare and submit a comprehensive legal appeal with complete supporting evidence
- Request independent medical examinations where the insurer used biased reviewers
Who May Qualify
- You have an LTD policy (employer-provided or individual).
- Your claim was denied, terminated, or is under threat of termination.
- You are within your 180-day (or other policy-specified) appeal window.
Start Your Appeal
Call (610) 255-7500 or email msiddons@siddonslaw.com. Free review. Serving PA, NJ, NY, and MD.