The Disability Denial lawyers at Saiontz & Kirk are no longer investigating cases that are pursuing Long Term Disability (LTD) Benefits.  The information on this page is provided for information purposes only.

Long term disability (LTD) is an insurance coverage which many people obtain to protect them if they suffer an injury or disease which prevents them from working for an extended period of time.  Although insurance company advertises that they will pay long term disability benefits if you are unable to work, many times they deny legitimate claims or wrongfully delay payments.

Disability insurance policies are complex and often difficult to read for the average policy holder.  Insurance companies have adjusters and lawyers who are working to interpret these policies in a way that will reduce your benefits or deny the long term disability benefits altogether.

The disability denial lawyers at Saiontz & Kirk, P.A. assisted individuals pursuing an appeal of an improper denial of long term disability benefits.


Long term disability insurance companies are known for employing tactics to wrongfully deny disability benefits and delay their policyholders from obtaining the payments they are entitled to.  Insurance companies often delay review of the claim, request multiple unnecessary “independent” evaluations and fail to obtain critical medical records before issuing a denial.  They are trained to minimize the payments that are made so that the insurance companies they work for will be able to keep more profits.

It is important to consult with a long term disability lawyer if you have been denied benefits, so you can determine what you may be entitled to and obtain assistance during the appeal process.  Those who are represented by an attorney during the appeal process have a significantly greater chance of securing benefits.