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It happens all the time: The Insurer denies long term disability benefits and invites an injured person to appeal the denial by providing more medical documentation. The truth is that the policy may not even have a formal appeal process. The Injured person may go back and forth with the Insurer for years trying to convince them through an appeal that she is entitled to Long Term Disability benefits.

http://www.carranza.on.ca/blog/personal-injury-blog/2017/10/10/are-your-long-term-disability-benefits-denied-beware-of-the-insurer-s-invitation-to-appeal