{"id":1133,"date":"2022-07-19T19:26:07","date_gmt":"2022-07-19T19:26:07","guid":{"rendered":"http:\/\/donahoekearney.com\/?post_type=faqs&#038;p=1133"},"modified":"2025-06-18T20:21:36","modified_gmt":"2025-06-18T20:21:36","slug":"how-do-i-appeal-long-term-disability-in-dc","status":"publish","type":"faqs","link":"https:\/\/donahoekearney.com\/faqs\/how-do-i-appeal-long-term-disability-in-dc\/","title":{"rendered":"How Do I Appeal Long-Term Disability in DC?"},"content":{"rendered":"<p data-start=\"97\" data-end=\"270\"><strong>To appeal a long-term disability denial in Washington, DC, you need to submit a detailed, evidence-based appeal directly to your insurance company before their deadline.<\/strong><\/p>\n<p data-start=\"272\" data-end=\"352\">After being denied long-term disability benefits in DC, your appeal is critical.<\/p>\n<p data-start=\"354\" data-end=\"649\">If you received a denial or termination letter from your long-term disability insurance company, reach out to us at Donahoe Kearney. We\u2019ll review the letter and provide you with a free, confidential, 5-point plan for your appeal. This is just the start, but it can help you take the right steps.<\/p>\n<h4>The Denial Letter Should Be Specific<\/h4>\n<p>Your insurance company must explain why they denied or terminated your benefits. This might include:<\/p>\n<ul>\n<li>A &#8220;peer review&#8221; by a doctor who has never examined you but claims you can return to work.<\/li>\n<li>Policy terms like &#8220;no longer disabled under the policy&#8221; or &#8220;does not fit the definition of disabled.&#8221;<\/li>\n<li>Vocational evidence suggesting you could work a different job.<\/li>\n<li>Surveillance evidence they claim contradicts your doctor\u2019s restrictions.<\/li>\n<\/ul>\n<p>Understanding their reasoning is the first step to building your appeal.<\/p>\n<h4>Steps to Take After a Denial<\/h4>\n<ol>\n<li><strong>Mark Your Calendar<\/strong><br \/>\nYou likely have 180 days to file your appeal. Missing this deadline could mean losing your chance to fight the decision.<\/li>\n<li><strong>Request Your Claim File<\/strong><br \/>\nThe insurance company must provide this, but be specific when asking for it. For our clients, we ask for 28 categories of information to ensure nothing is missed.<\/li>\n<li><strong>Request Your Medical Records<\/strong><br \/>\nGather records from every provider you\u2019ve seen for the condition or injury keeping you from working. These are critical for your appeal.<\/li>\n<li><strong>Talk to Your Doctor<\/strong><br \/>\nMake sure your doctor understands the policy\u2019s definitions of disability and how your condition fits. Their input is vital to your appeal.<\/li>\n<li><strong>Send Us the Denial Letter<\/strong><br \/>\nWe\u2019ll review it and give you a clear, free 5-point plan to get started on your appeal. While this doesn\u2019t guarantee representation, it sets you on the right path.<\/li>\n<\/ol>\n<p><a href=\"https:\/\/donahoekearney.com\/blog\/how-to-get-started-with-a-long-term-disability-claim-in-washington-d-c-maryland-and-virgina\/\"><span style=\"text-decoration: underline; color: #3366ff;\"><strong>Click here to learn how to get started with a long-term disability claim.<\/strong><\/span><\/a><\/p>\n<h4>Don\u2019t Wait to Act<\/h4>\n<p>Appealing a long-term disability denial is time-sensitive and complex. By taking the right steps now, you can strengthen your case and protect your benefits. If you\u2019d like help, reach out to Donahoe Kearney today. We make it easy for you. <span style=\"color: #3366ff;\"><a style=\"color: #3366ff;\" href=\"https:\/\/calendly.com\/clientexperience\/15min?month=2024-07\"><span style=\"text-decoration: underline;\"><strong>Schedule a time to talk<\/strong><\/span><\/a><\/span> or simply call us at <span style=\"color: #3366ff;\"><a style=\"color: #3366ff;\" href=\"tel:2023933320\"><span style=\"text-decoration: underline;\"><strong>(202) 393-3320<\/strong><\/span><\/a><\/span> to get started.<\/p>\n<h2>Do You Need a Lawyer for Long-Term Disability?<\/h2>\n<p><iframe title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/We-fVcDQVPw?si=ifG59F-vERpNGjFZ\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<hr \/>\n<h4><strong>Related Articles:\u00a0<\/strong><\/h4>\n<p><span style=\"text-decoration: underline;\"><span style=\"color: #3366ff; text-decoration: underline;\"><strong><a style=\"color: #3366ff; text-decoration: underline;\" href=\"https:\/\/donahoekearney.com\/blog\/how-to-get-started-with-a-long-term-disability-claim-in-washington-d-c-maryland-and-virginia\/\" target=\"_blank\" rel=\"noopener\">How to Get Started With A Long-Term Disability Claim in Washington, D.C., Maryland, and Virginia<\/a><\/strong><\/span><\/span><\/p>\n<p><span style=\"text-decoration: underline;\"><span style=\"color: #3366ff; text-decoration: underline;\"><strong><a style=\"color: #3366ff; text-decoration: underline;\" href=\"https:\/\/donahoekearney.com\/blog\/how-to-review-a-long-term-disability-appeal-claim-file\/\" target=\"_blank\" rel=\"noopener\">Reviewing A Long Term Disability Appeal Claim File<\/a><\/strong><\/span><\/span><\/p>\n<p><a href=\"https:\/\/donahoekearney.com\/practice-areas\/long-term-disability\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #3366ff;\"><strong>Learn All About Long Term Disability<\/strong><\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1692,"parent":0,"menu_order":0,"template":"","faqs_category":[20],"class_list":["post-1133","faqs","type-faqs","status-publish","has-post-thumbnail","hentry","faqs_category-long-term-disability"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.4 - aioseo.com -->\n\t<meta name=\"description\" content=\"Learn how to gather your claim file, medical records, and build a strong appeal after a long-term disability denial with help from Donahoe Kearney.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Frank R. 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