Aetna Long-Term Disability Claims | Fight Denials with Raval Trial Law

Aetna Long-Term Disability Claims: What You Need to Know

Aetna is one of the largest insurance providers in the United States, offering long-term disability (LTD) insurance and benefits to employees and individuals. However, many claimants experience significant challenges when trying to obtain the benefits they are entitled to under their Aetna Long-Term Disability policy. If you have had your claim denied, delayed, or unfairly terminated, working with an experienced long-term disability attorney can make all the difference in securing your rightful disability benefits.

Common Issues with Aetna Long-Term Disability Claims

Many individuals who file LTD claims with Aetna encounter obstacles that make it difficult to receive the benefits they deserve. Some of the most common issues include:

Claim Denials for Insufficient Medical Evidence – Aetna often denies claims by arguing that the medical documentation provided is not sufficient to prove disability. They may request additional testing, ignore treating physicians’ opinions, or rely on their own medical reviewers who never physically examine the claimant.
Unreasonable Surveillance and Investigation – Aetna may conduct surveillance, review social media accounts, or hire investigators to find reasons to challenge a claim. Even minor activities taken out of context can be used against claimants to argue that they are not disabled.
Delays in Processing Claims – Many claimants face extensive delays when waiting for a decision on their LTD claim. These delays can cause financial distress and make it difficult to access necessary medical treatments.
Pre-existing Condition Exclusions – Aetna may deny claims by citing pre-existing condition exclusions, even when a claimant’s disability is unrelated to prior medical issues.
Termination of Benefits After a Certain Period – Some claimants who initially receive LTD benefits may later find that Aetna terminates payments after a policy-defined period, often under the argument that they are no longer disabled according to their definition.

How Raval Trial Law Can Help with Your Aetna LTD Claim

If you are struggling with an Aetna long-term disability claim, the experienced Aetna disability claim lawyers at Raval Trial Law are here to help. We understand the tactics that Aetna uses to deny or delay legitimate claims, and we have a track record of successfully advocating for clients to secure the benefits they deserve.

Why Choose Us?

Comprehensive Case Evaluation – We thoroughly review your claim, medical records, and insurance policy to identify weaknesses in Aetna’s denial or delay tactics.
Strong Medical and Legal Advocacy – We work closely with medical professionals to ensure your condition is well-documented and meets the policy’s definition of disability.
Aggressive Appeals Process – If your claim has been denied, we will aggressively appeal the decision, ensuring that all necessary evidence is submitted and deadlines are met.
Litigation Support – If Aetna refuses to honor its obligations, we are prepared to take your case to court and fight for your rights.
No Fees Unless We Win – We work on a contingency fee basis, meaning you don’t pay unless we recover benefits for you.

Contact Raval Trial Law Today

Navigating an Aetna long-term disability claim can be overwhelming, but you don’t have to face it alone. At Raval Trial Law, we are dedicated to fighting for the rights of disabled individuals and ensuring they receive the benefits they deserve.

If your Aetna LTD claim has been denied, delayed, or unfairly terminated, contact us today for a free consultation. Let us help you take the next step in securing your financial future and getting the support you need.

Aetna Long-Term Disability Claims: How Raval Trial Law Can Help

Aetna is one of the largest providers of long-term disability (LTD) insurance in the United States, offering coverage to employees and individuals who experience debilitating conditions preventing them from working. However, many policyholders find that securing their rightful benefits from Aetna can be a challenging process, with claims frequently delayed, underpaid, or denied altogether. If you are facing difficulties with your Aetna LTD claim, the experienced legal team at Raval Trial Law is here to help.

Common Challenges with Aetna Long-Term Disability Claims

Aetna LTD Claim Denials Due to Insufficient Medical Evidence:Aetna, like many insurance companies, operates with a focus on minimizing payouts, often leading to unfair denials and unnecessary delays. Some common issues claimants encounter include:

Aetna LTD Claim Denials Due to Insufficient Medical Evidence: The insurance company, Aetna should argue that your medical records do not sufficiently prove your disability, even when your doctor confirms your inability to work.
Failure to Recognize Disabling Conditions: Certain conditions, such as chronic pain disorders, mental health conditions, or autoimmune diseases like diabetes, may be downplayed or ignored.
Surveillance and Social Media Monitoring: Aetna can also use video surveillance or social media activity to dispute the severity of your condition.
Claim Termination After Initial Approval: Even if you initially receive benefits, Aetna may terminate them prematurely by claiming you have improved, often relying on their own doctors rather than your treating physician’s opinion.

Understanding Aetna’s LTD Policies

Policy Terms and Coverage

Aetna’s LTD policies vary depending on whether they are offered through an employer (group policies) or purchased privately. It is crucial to review your policy details, including exclusions and limitations, to understand what is covered.

Defining Disability: Own Occupation vs. Any Occupation

Own Occupation: Coverage is based on the inability to perform the duties of your current job.
Any Occupation: Coverage may require that you are unable to perform any job for which you are reasonably suited based on your education, training, or experience.

Pre-Existing Conditions: What They Mean for Your Claim

Pre-existing condition clauses can be used to deny claims if you received treatment for a related condition before the policy’s effective date. Knowing how your policy defines these conditions can help in challenging wrongful denials.

How Raval Trial Law Can Help

Unmatched Experience in Disability Law

At Raval Trial Law, we have extensive experience in handling long-term disability cases, particularly those involving Aetna. We understand their tactics and know how to build a compelling case to secure the benefits you deserve. Our team has successfully assisted numerous clients in overturning denials and obtaining rightful compensation.

Comprehensive Legal Support at Every Stage

Navigating the LTD claims process requires in-depth knowledge of insurance law and ERISA regulations (for employer-provided policies). Raval Trial Law provides comprehensive legal support, including:

Claim Preparation and Filing: We ensure that all required medical documentation and evidence are properly submitted to maximize your chances of approval.
Appealing Denied Claims: If Aetna has denied your claim, we will meticulously review the denial letter, gather additional supporting evidence, and craft a strong appeal.
Litigation Against Aetna: If your case requires legal action, our skilled trial attorneys are prepared to take Aetna to court to fight for your rights.
Ongoing Claim Management: For those receiving benefits, we provide ongoing support to prevent unjust terminations and ensure continued coverage.

A Client-Centered Approach

At Raval Trial Law, we treat every client with the compassion and dedication they deserve. Our expert Aetna disability claim assistance understands the financial and emotional burden of a long-term disability and works tirelessly to ease that stress by advocating for your rights.

Get the Legal Support You Need Today

If you are struggling with an Aetna long-term disability claim, don’t navigate this process alone. Raval Trial Law is ready to fight for you. Contact us today for a consultation, and let us help you secure the benefits you rightfully deserve.

FAQs

What Should I Do If My Aetna Long-Term Disability Claim Is Denied?

If your claim is denied, the first step is to review the denial letter carefully to understand the reasons given. Gather any additional medical evidence and documentation, and contact an experienced disability attorney immediately to discuss your appeal options.

How Do I Appeal a Denied Aetna LTD Claim?

You should file an appeal within the timeframe specified in your denial notice (often 30 to 90 days). Prepare a comprehensive appeal package that includes updated medical records, detailed physician statements, and any new evidence that supports your claim. An attorney can help ensure you meet all ERISA-related deadlines and procedural requirements.

What Documentation Is Needed to Strengthen My Aetna LTD Claim?

Essential documentation includes:

Complete and updated medical records (test results, hospital records, etc.)
Detailed physician and specialist reports explaining your limitations
Personal symptom journals and daily activity logs
Records of any independent medical examinations (IMEs)
This comprehensive evidence helps counter claims of insufficient medical proof.

How Long Does the Appeal Process for an Aetna LTD Claim Take?

The appeal process can vary depending on whether your policy is governed by ERISA (employer-provided) or is a private plan. Typically, it can take several months from filing the appeal to receiving a decision. Prompt action and thorough documentation can help expedite the process.

What Tactics Does Aetna Use to Deny LTD Claims?

Common tactics include:

Requesting additional tests or dismissing evidence provided by your treating physicians
Using in-house medical reviews or biased evaluations
Conducting surveillance and monitoring social media to find inconsistencies
Understanding these tactics can help you better prepare your case and counter them effectively.

How Can I Protect My Claim from Surveillance and Social Media Scrutiny?

Maintain strict control over your online presence and avoid posting content that could be misinterpreted. If you suspect surveillance, document your daily activities accurately and work with your attorney to ensure that any evidence gathered by the insurer is properly challenged.

When Should I Consult a Disability Attorney for My Aetna LTD Claim?

It’s best to consult an attorney as soon as your claim is denied or if you notice any red flags—such as unexpected surveillance or delayed communications. Early legal intervention helps ensure that all deadlines are met, evidence is properly compiled, and your appeal is filed correctly.