One of the largest obstacles facing an insured in bringing a lawsuit against a disability insurance company for benefits under an ERISA governed group disability policy is the inability to add additional information, in most cases medical information, to the administrative record after a final denial has been entered by the insurance company.
Disability Blog & Cases:
Cigna Denies Disability Benefits, But Additional Information Could Have Resulted In A Victory
When filing a disability application or appeal it is of the utmost importance to provide the insurance company all of the relevant medical records and/or documentation supporting your disability in a timely manner.
If you fail to submit any important documents or records they will not be considered by the judge at a later date if your disability claim is denied.