Lloyd’s of London Long-Term Disability Denial

Lloyd’s of London is one of the largest providers of group and individual long-term disability insurance in the world. However, Lloyd’s has a history of wrongfully denying claims and has been the culprit in several nationwide investigations regarding unfair practices.

If Lloyd’s of London denied your long-term disability claim, get a free legal case review.

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Unfairly Delayed or Denied Lloyd’s of London Claims

Insurance companies operate to achieve one goal: create wealth for their executives and investors. This wealth may be generated at the expense of policyholders through unfair claim denials.

Long-term disability insurance denials provide a clear path to increased profits and an improved bottom line.

However, insurance companies hold a legal duty to their policyholders to act in good faith and fair dealing. If Lloyd’s of London denies a legitimate LTD claim, they may be acting in bad faith.

A number of different occupations have found their Lloyd’s of London claims unfairly delayed or denied, including professional athletes, musicians, doctors and other health care workers, and more.

Lloyd’s delaying or not paying claims could be devastating to a person’s financial stability and could even result in the immediate loss of regular income, loss or foreclosure of a home, loss of savings, and more. But you do have options to fight back against their decision.

If Lloyd’s denied your long-term disability claim, contact our team today. We may be able to help you appeal the denial and secure any benefits you may be owed.

What Can I Do If Lloyd’s of London Denied My Claim?

Every state has laws banning unfair insurance practices. However, large insurance companies like Lloyd’s of London have ample legal resources at their disposal to challenge your complaints.

Depending on your insurance policy, our Lloyd’s long-term disability denial attorneys may be able to help you:

  • File an appeal of your denied Lloyd’s insurance claim
  • Request a second appeal if your Lloyd’s of London disability appeal was also denied
  • Submit Lloyd’s of London complaints with your state’s Insurance Department to lay the groundwork for legal action
  • File a Lloyd’s of London lawsuit on your behalf
  • Negotiate a Lloyd’s of London insurance settlement if possible
  • Argue your case in court in some instances

If your Lloyd’s of London insurance claim or appeal was denied, please know: You do have legal rights and may still have options to secure the compensation you need.

Get Help Filing a Strong Appeal

Before being able to file a Lloyd’s lawsuit, you usually have to exhaust the appeals process for denied long-term disability claims, which may vary according to your insurance policy.

Insurance companies usually have legal teams who are prepared to spare no expense fighting your case. By working with long-term disability denial attorneys, you can even the playing field and put pressure on your insurance provider to pay you what you’re owed.

If you have a case, our team can help handle the appeals process and potentially file a Lloyd’s of London lawsuit — at no out-of-pocket cost to you or your family.

Lloyd’s Claim Denial FAQs

Why did Lloyd’s of London deny my long-term disability claim?

If your long-term disability benefits were denied, Lloyd’s of London may have claimed that:

  • You failed to disclose a pre-existing health condition
  • Your medical examinations were insufficient or inadequate
  • There were problems with your paperwork or documentation
  • Your medical condition does not qualify as a “covered” disability
  • Your procedure was elective, not medically necessary

By filing an appeal or lawsuit, you can fight back against Lloyd’s of London insurance denial and pursue the benefits you’re owed.

How do I fight a Lloyd’s of London claim denial?

If Lloyd’s of London denied your LTD claim, it is in your best interest to get an opinion from a long-term disability denial attorney for help challenging their decision and potentially recovering your benefits.

With experienced legal help on your side, you can focus on your health and recovery, while we focus on the Lloyd’s of London appeals process.

Written by: Long Term Denial Team

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