When you purchase an insurance policy, the company that sells it to you has an obligation to fulfill the promises made within the policy regarding coverage, just as you have an obligation to pay your premium in a timely manner. Unfortunately, insurance companies are often for-profit businesses that want to do everything

You try to use your long-term disability insurance, but you get denied. Since you know you are disabled, you’re shocked. Is this all you can do? Is that the end of it? It’s not. Appeals are possible and even common. You may be able to make multiple appeals. Do not assume you are out