Guardian Long-Term Disability Denial

If you’ve been denied long-term disability insurance benefits by Guardian, you’re not alone. The insurance carrier has a history of wrongfully denying claims, leaving policyholders without financial support. An attorney may be able to appeal your Guardian long-term disability denial and fight for the benefits you deserve. Get started now.

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Why Take Legal Action?

By challenging a wrongful disability insurance denial, you can pursue the benefits and justice you deserve.

Results Secured

$1.36 million for a New York man whose Aetna long-term disability claim and appeal were denied
$1.21 million for a California worker denied disability benefits
$975,000 for a physician who lost his hearing and was denied long-term disability benefits by Unum

Fact-Checked and Legally Reviewed by: Rae Theodore

Last updated: Feb 18, 2025

Understanding Guardian Disability Insurance Denials

The Guardian Life Insurance Company of America is one of the largest insurance companies in the United States, providing a range of disability plans. However, the company is also known for wrongfully denying long-term disability claims.

Long-term disability (LTD) benefits from Guardian are meant to provide compensation to policyholders who are unable to work for an extended time due to an injury or illness. When LTD benefits are denied, you may have trouble making ends meet.

If an insurance company intentionally denies a valid claim, it’s considered to be acting in bad faith.

Unfortunately, many disability insurance companies often act in their own best interest in order to protect their profits. It’s important to know that policyholders have the right to file an appeal if their claim is denied.

The Guardian lawyers in our network have secured over $133 million for clients wrongfully denied LTD benefits. See if they may be able to help you file an appeal and pursue the compensation you deserve.

Why Would Guardian Deny a Disability Claim?

Guardian might deny a disability claim due to issues with your application, health condition, or the medical evidence provided.

Reasons for a Guardian long-term disability denial include:

A determination that the medical condition doesn’t meet the policy’s definition of disability
Failure to disclose a pre-existing health condition
Insufficient medical evidence showing that the illness or injury is severe enough for LTD benefits
Problems with paperwork, like documentation errors
Submitting a claim after the policy deadline

While some reasons for a Guardian disability claim denial may be valid, others may be considered an act of bad faith.

In these cases, a lawyer may be able to appeal a Guardian long-term disability denial and fight for the benefits you deserve.

What to Do If You’ve Been Denied Guardian Long-Term Disability

Guardian is a billion-dollar company that has access to extensive resources. They may do everything in their power to avoid paying your LTD benefits, but an experienced attorney can level the playing field and advocate on your behalf.

A lawyer can help with a denied Guardian long-term disability claim by:

Explaining Guardian’s denial letter in simple terms
Identifying any issues with your initial request for benefits
Developing a strategy to appeal your Guardian long-term disability denial
Consulting with medical experts to build a strong case
Handling all communications with the insurer on your behalf

With a Guardian long-term disability lawyer handling all of the legal work for you, you’ll have peace of mind and be able to focus on your health.

“Through all the ups and downs, the law firm stood by my side. They guided me through the legal process, explaining everything in a way that made sense to me. With their expertise, I felt like I had a fighting chance.”

– Massachusetts client who worked with one of our partner firms

It’s important to contact an LTD lawyer as soon as possible, as you only have a limited amount of time to appeal a Guardian long-term disability denial.

Call (888) 726-9160 right now or chat with a case manager to see if a top attorney may be able to help you fight back against Guardian’s denial.

How to File a Guardian Long-Term Disability Appeal

If your Guardian disability claim has been denied, an attorney may be able to prepare and file an appeal for you. If your appeal is wrongfully denied, they may also be able to file a Guardian lawsuit against your insurer.

The long-term disability lawyers that LawFirm.com works with have secured over $133 million for policyholders nationwide. Find out how they can help with your Guardian long-term disability denial.

1. Provide a Free Legal Consultation

A top Guardian long-term disability attorney provides free case reviews to assess your case and explain the options available to you.

The lawyers in our network never charge any upfront costs or hourly fees, so there’s no financial risk to taking legal action.

2. Gather Evidence

Your legal team will collect evidence to show you meet the qualifications for long-term disability under your Guardian disability insurance policy.

This may include:

Insurance policy documents
Employment records
Medical records
Physician statements

Medical or vocational experts may also be consulted to show that your injury or illness prevents you from working.

3. Appeal a Guardian LTD Denial

Your Guardian disability denial attorney will complete all necessary paperwork to ensure your LTD appeal meets all of the insurance company’s requirements. They’ll make sure your appeal is filed before any deadlines.

As your case progresses through the appeals process, your legal team will keep you updated and answer any questions that may arise.

4. File a Guardian Disability Denial Lawsuit

If Guardian denies your appeal, you may still be able to get the benefits you’re entitled to from a long-term disability lawsuit.

Your attorney will work to negotiate a Guardian long-term disability denial settlement to secure compensation as quickly as possible.

However, if a settlement is unable to be reached, your case may proceed to a trial — and your lawyer will be prepared to fight on your behalf in court.

Get Help From a Guardian Disability Denial Lawyer

If you’re facing a Guardian long-term disability denial, don’t give up hope. You may still have options to secure the benefits you’re owed and have paid premiums for.

LawFirm.com works with top Guardian disability benefit denial lawyers who have recovered over $133 million for policyholders wrongfully denied LTD benefits.

Our legal partners:

Can handle cases in all 50 states
Never charge any upfront costs or hourly fees
Understand claim denial tactics Guardian may use

Call (888) 726-9160 right now or get a free case review to start your journey toward the compensation and justice you deserve.

Guardian Long-Term Disability Insurance Denials FAQs

What percentage of long-term disability claims are denied?

Over 60% of disability claims are denied, according to the Social Security Administration. However, these denials may be overturned through an appeal or a lawsuit in some cases.

How do you appeal a long-term disability denial from Guardian?

If you’ve received a Guardian long-term disability denial letter, a lawyer can gather evidence to file a strong appeal that highlights why your claim was wrongfully denied.

Get a free case review now to see if we can connect you with a top disability lawyer near you.

How does Guardian long-term disability work?

Guardian long-term disability replaces a portion of your income if you are unable to work due to an injury or illness. You can use the benefits for medical bills, everyday living expenses, and more.

To file for Guardian long-term disability benefits, you must submit a claim with information from your attending physician. If your disability insurance claim is approved, you’ll receive benefits after a waiting period.

The Employee Retirement Income Security Act (ERISA) sets rules for how insurance companies like Guardian pay benefits. When Guardian claims are wrongfully denied, an ERISA lawyer can fight for the benefits you’re legally entitled to.

Is Guardian a good disability insurance?

While Guardian offers a range of disability insurance products for consumers, it has been known to deny legitimate claims.

Guardian long-term disability complaints include:

Delaying the claims process to avoid paying benefits
Denying disability coverage based on insufficient medical evidence
Determining that a health condition doesn’t meet its definition of “disability”
Misinterpreting a policyholder’s job duties
Using surveillance to dispute that a claimant’s condition is as serious as they claim
Working with medical experts to downplay the severity of an injury or illness

A Guardian insurance long-term disability attorney can fight for benefits on behalf of policyholders facing unfair denials.

Call (888) 726-9160 now to see if a top lawyer may be able to fight for you.