Long Term Disability Claims
for Consultants

As a consultant, your career is built on your expertise, drive, and the ability to overcome complex challenges for your clients. You are the problem solver. So, when a serious illness or injury forces you to step away from your work, it is a profound disruption. The frustration and anxiety are only made worse when the long-term disability (LTD) claim you counted on is denied. Does it feel like the safety net you planned for has been pulled out from under you?

At Monahan Tucker Law, we understand that a denial is more than just a financial problem; it is a personal blow. This is not the end of your fight. A denial is an opportunity to build a stronger case, and we are here to provide the guidance you need to secure your rightful benefits.

Why Are Consultant Disability Claims Denied?

Insurance companies often struggle to grasp the true nature of a consultant’s work. They may see a flexible schedule and assume your job is less demanding, leading to a wrongful denial.

Common reasons for denial include:

• Misunderstanding Your Role: Insurers often fail to appreciate the high-stakes travel, long hours, and intense cognitive demands of your profession. They might wrongly conclude that your condition doesn’t prevent you from working.
• Questioning Your Income: As a consultant, your income may fluctuate. An insurer can use this variability to challenge your pre-disability earnings and minimize the value of your claim.
• Dismissing Your Limitations: They may argue that because you work from a laptop, you can work from anywhere, ignoring the fact that chronic pain, fatigue, or “brain fog” make sustained, high-level work impossible.

How to Appeal a Wrongful Denial

The steps you take after a denial are critical. Most disability policies are governed by ERISA, a federal law with strict rules and unforgiving deadlines. Taking immediate and strategic action is essential.

1. Find Your Appeal Deadline: Your denial letter must state the deadline to appeal, which is typically 180 days. Do not miss it.
2. Request Your Claim File: You have the right to a complete copy of every document the insurer used to deny your claim. This is the foundation of your appeal.
3. Seek Legal Counsel: Before you speak with the insurer again, contact an attorney who understands disability law. An experienced lawyer can protect you from the tactics insurers use to weaken your case.

How Monahan Tucker Law Can Secure Your Benefits

Monahan Tucker Law has a proven track record of successfully overturning wrongful denials for professionals just like you. Our personalized approach means we take the time to understand your unique situation.

We handle every aspect of your appeal, from analyzing the insurer’s flawed reasoning to gathering powerful new medical and vocational evidence to prove your disability. We manage all communications and deadlines, allowing you to focus on your health. We’ve got your back.

If your long-term disability claim has been denied, you need a powerful advocate in your corner. Contact Monahan Tucker Law today for a confidential consultation and let us help you secure the resolution you deserve.