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6 Ways to Win Your Long-Term Disability Claim or Appeal

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Anyone who applies for long-term disability insurance is required to prove that they are unable to work due to their conditions. Sometimes, when submitting a claim, the medical records and statements provided may not be sufficient. If your long-term disability benefits claim was denied, you have the right to appeal. However, it is a good idea to create an ironclad claim before submission to avoid the need to appeal completely. Here are our top tips for winning an LTD claim or appeal. 

Hire A Lawyer

Disability insurance is a complex field that can be difficult for even the most educated person to navigate. Working with an attorney who has experience with disability insurance policies and laws is the best way to effect a positive outcome. A lawyer will be able to help with your own occupation disability insurance and all occupation claims or appeals with equal finesse.

Make Sure You Have Objective Evidence

LTD claims that are submitted with strong objective medical evidence are more likely to be approved. An insurance provider will have a hard time denying objective advice from a reputable medical professional, even if they have their own doctor perform an evaluation. Gather clinical statements, lab tests, and the results of your functional capacity evaluations prior to submitting a claim or an appeal.

Get A Copy of Your Claim

If your claim has been denied and you plan to appeal, make sure you have a copy of your original claim. The claim file will have all communications between you and the insurance provider, copies of submitted forms and reports, and, the guidelines used to deny the claim. Knowing why your claim was denied will help you cure those problems upon appeal.

Prepare a Vocational Assessment

This assessment will provide thorough detail as to why your conditions prevent you from remaining gainfully employed. This assessment may include a list of duties and how your conditions prevent you from completing those duties. Depending on the policy type, the assessment will also determine if you are qualified to work in a different occupation while suffering from a disability.

Hire Your Own Experts

When filing a claim or an appeal for long-term disability benefits, assessments play a critical role. The insurance company will always have its own evaluators, but you have the right to hire your own. Have a reputable medical professional perform a functional capacity evaluation for consideration. Mental health is another important aspect to be assessed. You can also have a trained medical provider perform a neuropsychological evaluation for both cognitive and mental health changes.

Respond to the Denial

It is important to review the reasons your claim was denied and remedy those issues. The most common issues are a lack of medical evidence, poor or no treatment for the condition, and no evidence that there are severe symptoms. Being able to work with certain accommodations and actually having your condition improve are other common reasons for the denial. Respond to each denial reason provided to avoid facing an appeal denial.

Get The Benefits You Deserve

With the right planning and a savvy attorney, getting approval for LTD benefits will be a breeze. For those who are facing an appeal, working with a lawyer and following the suggestions above will put you on the path to success.

Author Bio: Heather Blacksmith has a Bachelor’s Degree in Finance and works at a finance firm based in Seattle, Washington. She specializes in small business finance, credit, law, and insurance. When she is not working, she spends her time in her favorite coffee shop writing on various finance-related topics. Other than that, she enjoys adult coloring books, recycling, and running.

Michelle has been a part of the journey ever since Bigtime Daily started. As a strong learner and passionate writer, she contributes her editing skills for the news agency. She also jots down intellectual pieces from categories such as science and health.

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Lifestyle

How Private Hotsprings Can Transform Wellness Tourism with Its Lithia-Inspired Innovations

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Photo by Private Hotsprings

By Michelle Snow

Private Hotsprings resort features exclusive infinity-edge pools fed by natural hot springs, attracting wellness tourists to British Columbia’s remote wilderness. Tina and Alex Genzer are expanding beyond hospitality with Lithios Beverages, a drink line incorporating lithia-rich mineral water from the springs. The new venture aims to bring the therapeutic benefits of the resort’s natural waters to consumers worldwide.

Enchanted By Nature

Tina and Alex are familiar with entrepreneurship. Before embarking on their journey to British Columbia, the pair successfully ran a boiler installation and construction business in Toronto, specializing in snowmelt systems. While Alex, a former Air Force pilot, honed his engineering expertise and cultivated a strong public presence with CBC and News Talk 1010 appearances, Tina led business operations with her signature entrepreneurial flair.

Tina Genzer recalls how their lives changed when they discovered the Kootenay region’s natural hot springs. “We were captivated by the serenity of this place,” she says. The couple started acquiring chalets that blend luxury and nature. Today, Private Hotsprings offers three properties: the Cedar Log Cabin with a waterfall and lake access and two chalets featuring the world’s only infinity-edge hot spring pools.

The couple’s leadership style has been instrumental in the company’s growth. The Genzers have carved out a niche that remains untouched by competitors by prioritizing exclusivity and direct customer engagement over conventional review systems. “Our mission has always been to create a serene retreat where guests can unwind, rejuvenate, and reconnect with themselves,” Alex Genzer explains.

Lithios Beverages

Tina and Alex’s idea for Lithios Beverages emerged during a restorative evening at the hot springs, inspired by the therapeutic effects of lithia-rich waters. Since its successful debut in New York earlier this year, which sold out within days, the brand is now planning to partner with a major U.S. distributor to enter the growing health and wellness beverage market. 

The Genzers are well-positioned to leverage this opportunity, as Lithios Beverages aligns with their brand ethos blending the purity of their mineral springs with health-conscious choices. “Lithios is not just a beverage, it is a lifestyle,” says Tina Genzer. “We aim to provide the same rejuvenation and vitality our guests experience, no matter where they are.”

A Rising Tide for Wellness Tourism

Wellness tourism thrives on authenticity and connection to nature, two qualities that Private Hotsprings exemplifies. The company has tapped into a lucrative market segment that prioritizes unique and restorative experiences over mass tourism by offering exclusive access to mineral-rich hot springs in a private setting.

Competitors in the wellness industry have begun to explore similar models, but only some can rival Private Hotsprings’ distinctive offerings. The company’s first-in-the-world infinity-edge pools and meticulous curation of guest experiences give it a significant edge.

The Next Phase

Despite these challenges, the Genzers remain optimistic about the future. Their dual focus on Private Hotsprings and Lithios Beverages allows them to innovate within two complementary markets.

The next phase of their journey includes expanding Lithios Beverages across the U.S., emphasizing sustainability and transparency. Lithios Beverages has opened up its next round of funding to scale its operations.  

The Genzers are also exploring ways to share their story with a broader audience. “We want investors and guests alike to understand the heart and vision behind what we do,” Tina says. “It is not just about running a business, it is about creating something meaningful and lasting.”

Tina and Alex Genzer have created an example of success that other industry players will undoubtedly seek to emulate by blending luxury with nature and leveraging their lithia-rich waters for global impact. 

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