Long Term Disability Denial Reason #1 – Medical Review & IME

More than 95 percent of long term disability benefit claims are denied based upon your insurance company’s review of your medical records. How can a disability company fairly determine you are disabled without examining you? In this video long term disability attorneys Gregory Dell and Stephen Jessup discuss the number one reason for a long term disability benefit denial and provide some tips for how to avoid a denial. We also discuss what to expect at an IME exam requested by your disability company.


00:00 – Paper reviews and medical exams conducted by disability insurance companies are the number one reason for long term disability denial.

01:37 – Your disability company will have their own nurse, in-house doctor or an outside company review your medical records and make a determination if you are disabled or not.

03:47 – It's frustrating that disability insurance companies attempt to rely on paper file reviews when they would never accept your claim if you were never physically examined by a doctor.

07:08 – Not every doctor hired to exam you by a disability insurance is a hired gun, but you need to do research before agreeing to be examined by the doctor chosen by your disability company.

07:55 – The third party companies that hire doctors to review your medical records or hire doctors to examine you are usually biased toward the disability company.

09:44 – If you are asked to respond to a doctors report generated by your disability company, the reply must be strategic based upon the stage at which your claim is at.


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