Appealing Insurance Denials
Many wrongful denials of insurance benefit claims can be overturned without the cost, frustration and delay of filing a lawsuit, simply by supplying the right information and knowing how to respond to your insurance company’s accusations. Understanding the common tactics utilized by insurance companies and recognizing their deceptive behavior are essential in securing your rights and preparing an effective response.
Before you proceed, it is vital that you understand your rights and obligations under your insurance policy and the law that governs your claim. If you fail to meet your obligations, you may unknowingly be fatally destroying your claim. Whether you have been denied benefits under your individual disability insurance, health insurance, life insurance or long-term care insurance policy, your response to your insurance company’s wrongful denial depends on the law that governs your claim.
Private insurance policies, purchased independent from your employment, will fall under your state’s contract law. However, most group insurance policies, obtained as a product of employment (whether you pay your premiums or your employer pays the premiums) fall under the federal statute known as the Employee Retirement Income Security Act, or ERISA. Both types of claims have unique and specific requirements for claimants in responding to their insurance company’s wrongful denial.
Our Firm Can Handle Your Claim Denial Process
If an insurance company refuses to overturn its wrongful and unreasonable denial, you do have options. The insurance companies understand that we will vigorously fight to defend our clients’ rights, and if we prepared the appeal, we have the ammunition to do so. Our lawyers have been successful in over-turning countless private policy insurance benefit claim denials and ERISA-governed insurance benefit claim denials at all stages of the process.
Defending Your Legal Rights
To set up an appointment to discuss your disability insurance case, email us using our online contact form or call us at 954-633-8811. We handle cases nationwide, and our attorneys would be happy to provide you with a free initial consultation.