Let me tell you a story.
It’s about an insurance company which deals with long term disability policies.
The size of the insurance company is irrelevant for this story, because most insurers are very similar in their approach. But in fairness, they are not all the same.
The insurance company underwrites thousands and thousands of group and individual long term disability policies.
If the insurance company pays out long term disability benefits on each and every long term disability claim that gets filed; then their profitability as a company suffers.
If the insurance company does not pay out on each and every long term disability claim that gets filed; then they become more profitable.
The more money which an insurance company pays out in benefits; the less money they get to keep and report as profit.
Some long term disability claims are denied for good reason. Some long term disability claims are denied for other reasons which have little merit.
This is where a personal injury or long term disability lawyer comes in to the mix.