Understanding Disability Insurance
By the attorneys of Disability Insurance Law Group
Contents:
- Overview
- The Disability Insurance Claim Process
- Eliminating Claim Confusion
- Causes of Disability
- Private vs. Group Insurance
- Filing a Claim for Benefits
- Claim Delay or Denial Options
- Common Insurance Company Tactics
- Accomplishments in Disability Case Law
- Disability Insurance FAQs
Overview
When you are injured or suffering from medical conditions that prevent you from performing the duties of your occupation, your disability insurance policy is supposed to be there to protect you and your family. Your bills do not stop just because you cannot work.
The purpose of disability insurance policies is to secure your financial wellbeing when you cannot. The question is, will your insurance carrier do the right thing and pay your claim? For insurance companies, this is a business. The more claims they pay out, the more money they lose. Accordingly, disability insurance claims are highly scrutinized and often fiercely litigated.
In contrast, for claimants facing disabling illness or injury, their disability insurance policy is their financial security. What would you do if your future was at stake? The attorneys at Disability Insurance Law Group understand the importance of these claims for our clients and take that responsibility seriously.
With over 25 years of combined experience handling insurance matters, our lawyers understand the process and know the common tactics employed by insurance carriers in attempting to deny disability insurance claims. We understand what is at risk and aggressively fight to protect the rights of our clients at all stages of the process.
The Disability Insurance Claim Process
Disability insurance policies are often written with confusing language. Most claimants find the process of seeking benefits or appealing a denial of benefits frustrating and time-consuming. The claims handling process is designed to be complex, confusing and is often quite intimidating. The attorneys at Disability Insurance Law Group are dedicated to leveling the playing field and aggressively fighting to obtain the benefits our clients deserve.
There are two forms of disability insurance policies:
- Private disability policies
- Group disability insurance policies (typically governed by ERISA)
While there are similarities in these types of policies, the differences are usually significant. Moreover, the law governing each type of policy is vastly different. For claimants, the process of seeking benefits under either type of policy can be extremely frustrating and difficult. However, understanding your rights and obligations under your particular policy and the law can mean the difference between destroying your claim and obtaining the benefits you deserve.
Eliminating Claim Confusion
At Disability Insurance Law Group we work with you to eliminate confusion and clearly communicate what is happening at every step of the process. You have rights and you deserve to receive the benefits you have paid for with your premiums. We will aggressively assert those rights and fight to obtain all the benefits you deserve.
Insurance companies spend a great deal of time and money training their claims examiners and investigators to highly scrutinize each claim. Insurance companies often take advantage of unrepresented claimants by employing unfair tactics to delay and deny claims. They also employ in-house and local attorneys to vigorously defend and litigate disability insurance cases. Without legal representation, your ability to overcome such resources may be limited. Because of our experience, our Firm is well known and well respected by the insurance companies. The insurance companies know that when the Attorneys of Disability Insurance Law Group present a claim to them, it is well prepared and we will expend the time and resources necessary to aggressively fight for our clients' rights.
At Disability Insurance Law Group, we can assist you with:
Contact us for a free initial in-person or telephone consultation.
