Anthem Life Insurance Company Denials Attorney
Denied Under an Anthem Life Disability Policy?
Disability insurance is supposed to provide financial protection when a medical condition prevents you from working. But too often, insurance companies deny or terminate benefits based on selective reviews of medical records, narrow interpretations of policy language, or reliance on outside consultants who never examine the claimant.
When benefits are denied, the consequences are serious. Mortgage payments, medical bills, and everyday living expenses do not stop. Understanding your rights early in the process can make a significant difference in the outcome of your claim.
Eric Buchanan & Associates represents policyholders nationwide in long term disability, ERISA, and private disability insurance disputes. We do not represent insurance companies. Our focus is holding them accountable to the promises written in their policies.
Where Courts Have Found Anthem Wrongfully Denied Claims
Judicial Review of Anthem Benefit Decisions
Federal courts reviewing ERISA governed disability claims apply a deferential standard but still require that insurers engage in a reasoned decision making process. Courts evaluate whether the claim decision was supported by the administrative record and whether the insurer adequately considered the medical evidence submitted.
Improper Termination and Reversal of Approved Benefits
In some disability cases, courts have examined situations where benefits were initially approved and later terminated. Judicial opinions often focus on whether the insurer provided a clear explanation for the change in position and whether it meaningfully addressed the claimant’s medical and vocational evidence before ending benefits.
Failure to Provide a Full and Fair Review
ERISA requires that claimants receive a full and fair review of their claims. Courts reviewing benefit denials analyze whether the insurer considered all relevant evidence, explained its reasoning, and complied with procedural requirements governing disability determinations.
Anthem Life Disability Claims
Anthem Life Insurance Company has issued and administered certain disability insurance policies, including employer sponsored plans governed by ERISA.
Like other insurance companies, Anthem evaluates claims under the specific language of the policy at issue. The outcome often turns on how terms such as “own occupation,” “any occupation,” “material duties,” and “objective evidence” are interpreted.
In ERISA governed claims, strict deadlines apply. The administrative appeal stage is critical. In many cases, the evidence submitted during the appeal determines what a court may later review.
Mistakes made early in the process can significantly limit a claimant’s rights.
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Financial Incentives and Claim Decision Making
Insurance companies are businesses. They collect premiums and pay claims. Long term disability claims can represent significant financial exposure. For this reason, insurers may conduct periodic reviews, request updated medical documentation, and obtain outside medical opinions to reassess disability status. In some cases, benefits are terminated based on file reviews that differ from the conclusions of treating physicians.
When this happens, it is important to respond with strong medical and vocational evidence that directly addresses the insurer’s stated reasons for denial.
How We Approach Anthem Life’s Disability Claims
Our approach begins with a detailed review of the policy language and the claim file.
We focus on:
- Identifying the exact definition of disability under the policy
- Analyzing the insurer’s stated reasons for denial or termination
- Working with treating physicians to clarify functional limitations
- Obtaining functional capacity evaluations when appropriate
- Developing vocational evidence to address “any occupation” arguments
- Preparing comprehensive administrative appeals in ERISA cases
Our Role As Advocates
Insurance companies have teams of adjusters, in house counsel, and outside defense lawyers. Claimants deserve experienced representation as well.
Eric Buchanan & Associates focuses exclusively on disability and insurance disputes. We represent policyholders nationwide and never represent insurance companies.
If your Anthem disability claim has been denied or your benefits have been terminated, do not assume the decision is final.
Contact Us Today!
You don’t have to deal with the insurance company alone. If your claim was denied, delayed, or handled unfairly, our team is ready to review your case and help you understand your next steps.
Call: (877) 634-2506