Disability claim

This is probably a stupid question and I’m thinking the answer is no.
If you were denied disability claim,insurance doesn’t pay for money you lost while off work right?

I think if you successfully appeal the denial, you get back dated LTD.

I am not clear on what you are asking. Can you explain a bit more?

I’m guessing if the original LTD claim was denied but an appeal is successful, the insurance would pay for the original time off work until the successful appeal.
I could be wrong about the interpretation of the question or the answer. :slight_smile:

Ahh, that makes more sense. Well, the answer is that it depends. 9 times out of 10 the LTD insurer will pay the full back pay owed up to date of appeal. But, there is that 1 time out of 10 where they will refuse to do so for one reason or another. Usually because there was some problem with proving disability or they say you weren’t following doctors recommendations etc. Very rare but does happen. We fought one of these in small claims court for a client last year and were successful.