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Long-Term Disability

Charlotte Long-Term Disability Attorney

Long-Term Disability Benefits

Serious accidents and/or injuries can happen at any time. But what happens if the insurance company denies your legitimate long-term disability claim?

Look at your policy. Are you covered for “own occupation” or “any occupation?” Own-occupation coverage means that you are unable to carry out the duties of your current occupation. Any occupation is when you are incapable of performing duties of any job. This is a narrower type of policy that essentially means you are totally disabled. Most insurance policies transition from own occupation to any occupation after 24 months.

If you are having trouble recovering long-term disability benefits, we invite you to speak to an experienced Charlotte long-term disability lawyer at our firm. Since 1983, Charles G. Monnett III & Associates has been helping injured workers throughout North Carolina seek the fair benefits and compensation they are owed.

Give us a call at (704) 859-2003 or contact us online to learn more about how our long-term disability lawyers in Charlotte can help you with your claim.

Reasons Your Claim May Have Been Denied

A typical reason the insurance company may deny your claim is because you don’t have enough medical evidence to support the claim. Medical evidence—such as regular medical visits, missing medical records, and a doctor’s statement—are important for your claim to be processed efficiently and to your satisfaction.

One of the most important pieces of medical evidence you can have is a detailed doctor’s statement, so make sure you obtain your doctor’s opinion on work-related limitations separately from the insurance forms provided.

Did You Visit the Doctor Regularly?

The insurance company will usually deny your claim if you don’t regularly see your doctor. Long-term injuries require the supervision of your doctor for a long period of time. Don’t stop seeing your doctor, even if you can’t afford it or if you are feeling a little better. You’re sure to get a denial letter in the mail.

The Insurance Company May Be Lacking Your Medical Records

The insurance company may also not have all of your medical records. Be diligent—keep track of what records have been ordered and received by the insurance company. This is always a good practice when making and claim, long-term disability or otherwise.

Evidence to Discredit Injury

Another reason your claim may be denied is because the insurance company has video evidence that you are not as injured as you say you are. Insurance companies would much rather save money by avoiding paying out for long-term disability, and if hiring a private investigator would help prevent that, they will do it. Social media sites are additional places the insurance company will investigate to look for reasons to deny your claim. A sound bit of advice: act in accordance with your doctor’s restrictions.

Contact Us Today If Your Claim Was Denied

You must act fast with your denial appeal because ERISA (The Employee Retirement Income Security Act of 1974) only gives you 180 days to do so. If you believe your long-term disability claim was denied unfairly, our Charlotte long-term disability attorneys can help. We have over 37 years of experience with insurance law, and we want to help you get a fair resolution to your long-term disability claim.

Please schedule a free consultation, by calling our long-term disability attorneys in Charlotte at (704) 859-2003 or by contacting us online.


What Our Clients Say About Us
  • Charles was always available and informative on this process.

    “His assistant, Tracey Seifert, was especially helpful in answering questions, guiding me through the process and having a positive outlook.”

    - Susan Z.
  • Without their help, I would probably have lost everything that I owned.

    “My heartfelt thanks go out to Lauren Newton and Stephanie Allen for their hard work on my behalf.”

    - Rick M.
  • Lauren Newton exceeded all of my expectations and she genuinely cares about her clients.

    “Choosing Charles G. Monnett III and allowing Lauren Newton to take care of me was hands down the best decision I have ever made.”

    - Jade B.
  • The experience I had was exactly what I wanted.

    “I would recommend my own mother to this firm.”

    - Jacob G.
  • I was very satisfied.

    “If anyone asked me to recommend someone to them it would definitely be Charles Monnett & Associates.”

    - Raven B.

Proven Record of Success

  • $13 Million Medical Negligence Verdict

    An infant suffered an undiagnosed case of bacterial meningitis that caused severe neurological damage.

  • $10 Million Car Accident Verdict

    Verdict for a child who sustained a severe traumatic brain injury in an automobile accident.

  • $9.075 Million Car Accident Verdict

    Confidential settlement for a family struck by an underage impaired driver.

  • $8 Million Confidential Settlement

    Confidential settlement for an infant with bilateral leg amputations following improper placement of the femoral line.

  • $4.75 Million Defective Automobile

    Settlement for a woman severely injured as a result of a defective automobile.

  • $3.375 Million Failure to Diagnose

    Confidential settlement on behalf of a child with severe visual impairments resulting from the failure to properly diagnose retinopathy of prematurity in a newborn child.

  • $3 Million Negligent Administration of Nerve Block

    Confidential settlement for a woman with hypoxic-ischemic brain injury as a result of negligent administration of nerve block for headache.

  • $3 Million Cerebral Palsy

    Confidential settlement for a child with cerebral palsy as a result of birth-related brain injury.

  • $2.5 Million Traumatic Brain Injury

    Workers’ compensation settlement for a man who sustained a traumatic brain injury while employed by a logging company.

  • $2.5 Million Traumatic Brain Injury

    Recovery for a woman who sustained a traumatic brain injury after her vehicle was struck by a commercial truck while stopped for traffic in a construction zone.


What Sets Us Apart

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  • Free Consultation for Injury Victims

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