This discussion addresses the common belief that disability insurers deny all claims, clarifying that while many claims are approved, denials are still frequent—especially during key transition periods. The attorneys explain that although insurers may approve a large percentage of claims overall, many approvals are temporary, such as short-term disability that later converts into a denial when transitioning to long-term benefits. They also highlight how insurers rely heavily on doctor-completed forms and return-to-work assessments, which can be misleading or biased, sometimes leading to denials even when medical conditions haven’t improved.