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Pennsylvania Long Term Disability Lawyer

You have worked hard your whole life and purchased disability insurance “just in case” to ensure your family was protected if the unthinkable happened. However, when something does happen, and you need to collect your benefits, your claim is denied.

Claim denial is more common than many realize. Remember, insurance companies are for-profit businesses. They protect their profits by denying claims and minimizing payouts. This is true even if you are desperate for the disability benefits you purchased.

While things may seem hopeless, you have legal options. You can fight for your long-term disability benefits; our experienced attorneys at Mooney Law can help.

Understanding Long-Term Disability Insurance

At Mooney Law, we believe it’s essential to understand what long-term disability insurance entails. Here’s a brief overview:

Definition and Coverage

Long-term disability insurance provides financial protection for individuals who cannot work for an extended period due to a qualifying disability. This coverage typically kicks in after a waiting period, ranging from several weeks to several months. It provides benefits for an extended duration, often until retirement age or until the individual is deemed capable of returning to work.

Types of Disabilities Covered

Long-term disability insurance typically covers a wide range of disabilities, including physical injuries, chronic illnesses, mental health conditions, and other impairments that prevent an individual from performing the duties of their occupation.

Importance of Long-Term Disability Insurance

Long-term disability insurance is crucial for protecting your financial stability in the event of a disabling injury or illness. It provides peace of mind knowing that you have a safety net to rely on if you cannot work and earn an income.

What Legal Options Do You Have if Your Long-Term Disability Claim Is Denied?

If your long-term disability claim is denied, we encourage you to contact our office immediately. Our team will take the following steps to help you secure the benefits you are entitled to.

Initial Assessment

If your long-term benefits are denied, seeking legal guidance promptly is essential. At Mooney Law, we offer an initial assessment of your case to determine the best course of action.

Review of Denial Reasons

Our team thoroughly reviews the reasons for the denial of your long-term benefits. We examine your insurance policy, medical records, and other relevant documentation to identify potential grounds for appeal.

Appealing the Decision

We assist you in appealing the denial of your long-term benefits. This may involve submitting additional evidence, attending hearings, and presenting a solid case on your behalf.

Negotiation and Settlement

In some cases, it may be possible to negotiate a settlement with the insurance company. Our experienced attorneys advocate for your rights and work tirelessly to secure a fair resolution.


We will take your case to court if negotiations fail to resolve the issue. Our skilled litigators have the expertise and resources to effectively represent you in litigation proceedings.

Common Questions About Long-Term Disability Claims Denial

Why was my long-term disability claim denied?

Long-term disability claims can be denied for various reasons, including insufficient medical evidence, failure to meet the policy’s definition of disability, missed deadlines, or errors in the application process.

What should I do if my long-term disability claim is denied?

If your claim is denied, seeking legal advice promptly is crucial. Contact Mooney Law for a consultation to discuss your options for appealing the denial.

Can I appeal a denial of my long-term disability claim on my own?

While it is possible to appeal a denial without legal representation, having an experienced attorney can significantly improve your chances of success. A knowledgeable attorney can help you navigate the appeals process and present a compelling case on your behalf.

What evidence do I need to support my appeal of a long-term disability claim denial?

To support your appeal, you will need medical evidence documenting your disability and its impact on your ability to work. This may include medical records, test results, physician statements, and other relevant documentation.

How long does the appeals process for a denied long-term disability claim take?

The appeals process can vary in length depending on the complexity of your case and your insurance company’s policies. It’s essential to be patient and thorough in presenting your case to ensure the best possible outcome.

What are my options if my long-term disability claim appeal is denied?

If your appeal is denied, you may have further options for pursuing your claim, including mediation, arbitration, or litigation. Consulting with an attorney can help you understand your next steps and determine the best action.

Can I still receive long-term disability benefits if my claim was initially denied?

Yes, it is possible to receive long-term disability benefits even if your claim was initially denied. With the help of an experienced attorney, you can appeal the denial and fight for the benefits you are entitled to under your policy.

How much will it cost to appeal a denial of my long-term disability claim?

At Mooney Law, we offer free initial consultations for individuals seeking assistance with long-term disability claims. We also work on a contingency fee basis, meaning you won’t pay any upfront fees, and we only get paid if we secure benefits for you.

Our Experienced Long-Term Disability Lawyers Are Ready to Help with Your Claim

If you’re facing a denied long-term disability claim, you don’t have to navigate the process alone. At Mooney Law, our team of experienced long-term disability lawyers in Central Pennsylvania is here to provide the support you need.

From reviewing denial reasons to negotiating settlements or litigating on your behalf, we are committed to fighting for your rights and helping you secure the benefits you deserve. Contact us today for a consultation, and let us help you navigate the path to successfully resolving your long-term disability claim.

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