Answer: Your insurance company may deny your claim for a variety of reasons. Your claim may be denied at the outset because your insurer feels you did not complete the qualifying period (waiting period), where you were continuously disabled for a set amount of time, and therefore they deny you entitlement to long-term disability benefits.
Your insurance company may tell you that there is a “lack of objective medical evidence” and that your disability is not medically supported.
Another reason for a denial is that you do not have a diagnosis for your condition, and the insurance company cannot determine your restrictions and limitations.
A denial can occur at the outset of a claim, where you are denied entitlement to benefits. It can occur during the own occupation period, at the change of definition period and during the any occupation period.