Serving Florida and Nationwide
Call For A Free Consultation
(954) 989-9000
Serving Florida and Nationwide
Call For A Free Consultation (954) 989-9000

Holding Insurance Companies Accountable For The Coverage They Promised and The Benefits You Deserve. Serving Florida and Nationwide.

Appealing a Disability Insurance Claim Lawyers in Fort Lauderdale, FL

Insurance Claims

At Disability Insurance Law Group, our Fort Lauderdale attorneys know the devastating impact an insurance company denial letter has on our fellow Florida residents and policyholders across the nation. If you have a disabling condition that is not being acknowledged as such by the insurance company, your physical, emotional, and financial well-being are immediately in jeopardy.

Our Broward County disability insurance denial claim attorneys can help you understand why the carrier is disputing your claim, no matter where you live in the U.S., so you can file a persuasive appeal that affords you, and your health, a second chance at receiving the medical and financial benefits you are entitled to through your insurance coverage.

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.

Contact us today to learn more about your legal rights and options to contest your disability insurance denial claim, so you can move forward with confidence.

Why is My Disability Insurance Claim Being Denied?

At Disability Insurance Law Group, we have over 50 combined years of experience representing clients across the nation in their disability, long-term care, health and life insurance benefit claims. 

Unfortunately for some of those who seek our help, that also includes denied claims.

Some of the most common reasons disability insurance companies deny policyholder’s claims may include, but are not limited to:

  • There is insufficient medical evidence and documentation.
  • There is a missing doctor’s statement to support the disabling condition.
  • The condition reported is not covered by the policy or is considered a pre-existing condition.
  • The independent medical examiner disputes disability.
  • The insurer uncovers adverse information during an investigation, including surveillance video recordings, and social media reviews.
  • The insurance claim was not filed before the required deadline.

In many cases, the insurer will respond that the policyholder’s condition does not meet the policy’s “disability” guidelines. This is especially true in cases where the insured is covered by an employment policy. Employer-provided policies are often governed by the Employee Retirement Income Security Act of 1974 (ERISA).

ERISA typically favors the insurer, because there are no uniform definitions for disabled or totally disabled conditions. Each insurer defines the terms in its own way. This means your unique policy’s definition section may list different terms and conditions to meet the disability guidelines. In short, a disability insurance claims denial may come down to how your insurance provider interprets the terms of the policy. This is not fair to you, your family, or your future.

We understand what an insurance denial letter means to your overall well-being. Once you get past the shock and confusion of the denied claim, we can help you understand your legal options to appeal the denial.

How Can Disability Insurance Law Group Help With My Denied Claim?

The first step toward filing a successful disability appeal is understanding why the claim was denied. In some cases, the denial may be straightforward. In others, the language in the letter may be ambiguous, leaving you feeling as though you have no recourse.

No matter where you live or work in the U.S., you do not have to take the insurance company’s word for your disability insurance denial claim. Our attorneys will review the denial letter to learn why the insurance company is rejecting your claim, so we can directly address the issue(s).

This may mean rectifying technical issues — like missing forms or information — or compiling additional medical evidence and documentation supporting the existence of your condition.

When filing an appeal, it is important to assemble a strong argument, and precise, substantiating documentation within the required response time. Insurance disability claims denial deadlines are stringent — especially those associated with ERISA — and require a speedy and meticulous response.

At Disability Insurance Law Group, our team of experienced attorneys and support staff will provide the transparent resources you need to know we are in this appeal process together, no matter where you are located in the U.S. Here, we are genuinely concerned about the well-being of our clients and will do everything we can to pursue a successful appeal.

Our Firm Can Handle Your Claim Denial Process

The attorneys at Disability Insurance Law Group are dedicated to using their knowledge and experience in handling these complex legal issues, to vigorously fight to protect our clients’ rights. Many denials can be overturned prior to litigation, by effectively preparing an appeal in response to your insurance company’s wrongful denial of benefits.

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.

We also offer the Services for:

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 954-989-9000. We handle cases nationwide, and our attorneys would be happy to provide you with a free initial consultation.

Do You Need Legal Counsel? We Invite You To Contact Us For A Free Consultation.

Fill out the form and we’ll be in touch with you shortly, or call us now at 954-989-9000.

Fields marked with an * are required

"*" indicates required fields

I Have Read The Disclaimer.**
  • 3201 W. Commercial Blvd. Suite 227
  • Fort Lauderdale, FL 33309
Call For A Free Consultation (954) 989-9000

Toll Free:855-599-3247