You have a significant physical disability such as cancer, M.S. or an injury. Because of your physical disability, you, understandably also suffer from depression or anxiety. A strategy of many private long term disability carriers is as follows: Couch the claim in terms of a mental illness and obtain medical evidence that the mental illness is a disabling factor while minimizing the physical problem. Why? Because most long term disability policies limit mental disability benefits for two year while physical disability coverage may continue through age 62 or 65.
The Law Firm of Richard Rizk has reversed such denials by pointing to faulty denial language and obtaining medical evidence supporting the physical disability. Richard Rizk knows how to reverse insurer denials because he has represented disability insurers and is familiar with their tactics.