Insurers must come up with some justification for denying your disability benefits claim — if their justification has no reasonable basis, then you should appeal the denial or pursue a lawsuit to recover your benefits.

Common justifications for a claim denial include:

  • Lapse of coverage
  • Material misrepresentations in the original insurance application
  • Insufficient evidence of disability
  • Application of a coverage exclusion
  • Disability is tied to a pre-existing condition
  • Failure to seek ongoing medical treatment