MENUHomeNewsTopics A - Z
Accessibility|Contact|Privacy|Terms|Cookies

Most Common Reasons for a Disability Insurance Claim Denial


  • Published: 2010-09-17 (Revised/Updated 2016-03-20) : Author: Disability Attorneys Dell & Schaefer : Contact: diattorney.com
  • Synopsis: A list of the most five common reasons for a long-term disability claim denial.

Claimants often ask me what are the most common reasons for a long-term disability claim denial, so I have put together a list of the most five common reasons.

1 - Number one is when you're definition of disability could change from own occupation to any occupation.

2 - Number two would be if the disability carrier conducted video surveillance of you.

As you go through our website, you can see that we've done multiple videos on video surveillance, and I would encourage you to check those videos out.

3 - Number three would be if your attending physician is not cooperating in filling out the paperwork for you or is not filling out the paperwork appropriately, that could also be a problem.

4 - Number four would be if you are not getting the appropriate treatment or not seeing the doctor often enough.

The disability carriers often want to see you go to the doctor on a monthly basis, however, you're not required to go that often. As a rule of thumb, we generally say that if you have a physical condition, you should go to the doctor at least once every three months; if you have a psychiatric condition that's disabling, you should go at a minimum of once a month.

5 - The fifth reason that a claim is most commonly denied would be for objective evidence versus subject of evidence.

The disability carrier would say you just don't have enough objective evidence to support your claim, and that would be something like you don't have an MRI, you don't have a CAT scan, you don't have a lab report, you don't have an X-ray. The problem is that there are many disabling conditions where you're just not going to get any objective evidence to support your claim, so the carrier puts your back against the wall, which is a problem.

All of these issues that I've just mentioned, you can view other videos on our website for additional information and you're always welcome to call us with any questions.

Submit disability news, coming events, as well as assistive technology product news and reviews.


Loan Information for low income singles, families, seniors and disabled. Includes home, vehicle and personal loans.


Famous People with Disabilities - Well known people with disabilities and conditions who contributed to society.


List of awareness ribbon colors and their meaning. Also see our calendar of awareness dates.


Blood Pressure Chart - What should your blood pressure be, and information on blood group types/compatibility.






NOTE: Content on Disabled World is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of a qualified health provider regarding medical conditions, see our Terms of Service for more information. Your assistance in reporting outdated or inaccurate information is appreciated.

© 2004 - 2018 Disabled World™