DI Law Group Firm News & Events Testimonials
Toll Free

Private disability claims are often denied

There is a great disparity in how people think about insurance. Many Florida residents think of it as a necessary evil and purchase the minimum required for specific purposes, while others seek to protect themselves against risk by acquiring upgraded and broader coverage. For example, it is not uncommon for relatively young individuals to buy life insurance, yet, statistically, a disabling injury or illness is far more likely than an early death. However, when it comes to collecting on a filed claim, disability insurers often delay, offer low settlements, or deny the claim altogether.

The first consideration disability experts suggest is to determine one's anticipated needs. For example, employees may be covered by workers' compensation, state disability, or employer-paid policies. To the extent some or all of those are available, it also must be calculated what percent of income each replaces. Purchasing a private disability policy makes sense for many who could not maintain their lifestyle on the replacement income.

Purchasing the proper coverage is a necessary first step, but the real test comes when a claim is filed. Unfortunately, many policy holders find their claims denied for one or more reasons. Typical among those are no objective findings of disability, not disabled from the specific occupation, a pre-existing condition, not receiving appropriate medical care, or not fulfilling the elimination period, which requires the individual to be disabled for a certain period of time before filing.

Fortunately, private disability insurers are required by law to provide denied claimants with a detailed explanation for the denial and an established procedure for appeal of the decision. An experienced disability insurance lawyer can offer advice and counsel on the complex regulations and methods governing the insurer's ruling.

No Comments

Leave a comment
Comment Information
Email Us For A Response

Do You Need Legal Counsel? We Invite You To Contact Our Offices For A Free Consultation. Fill out the form and we’ll be in touch with you shortly, or call us directly at 866-363-3628.

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

Bold labels are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Privacy Policy

3201 West Commercial Boulevard
Suite 227
Fort Lauderdale, FL 33309

Toll Free: 866-363-3628
Phone: 954-989-9000
Fax: 954-989-9999
Fort Lauderdale Law Office Map

Palm Beach
14255 U.S. Highway One
Suite 235
Juno Beach, FL 33408

Toll Free: 866-363-3628
Phone: 561-202-9170
Fax: 561-202-9194
Map & Directions