Skilled Attorneys Representing Disabled Business Owners Throughout the U.S.
At Disability Insurance Law Group, our Florida and Nationwide business owner insurance claims attorneys know that our clients have a lot riding on their abilities to collect the benefits their policies were designed to provide.
Unfortunately, there are now more small business owners who will need their disability benefits than ever before. As many as 43% of individuals aged 40 will have a long-term disability by the time they turn 65. When these individuals own businesses, their livelihoods are in jeopardy the minute an injury or illness sidelines them from work.
Since disability insurance covers injuries or illnesses that occur outside of the workplace, it is crucial coverage for business owners across the nation who operate sole proprietorships, partnerships, and corporations. With the right coverage, business owners can rest easy knowing that if the unthinkable happens, their personal finances and business expenses will be covered until they can get back to work — or even when they cannot.
The good news is, most major disability insurance carriers design their products for different occupations that can be tailored to varying industries and occupations based on their unique risk factors.
The bad news is, business disability insurance companies often begin their review of a claim by disputing the facts, or outright denying benefits. That is why we are here.
Our trusted disability insurance claims lawyers represent business owners of all types in Florida and throughout the U.S. when the insurance company fails to provide the coverage agreed to in their policies. We can help you understand your legal rights and options to pursue our disability insurance carrier too, starting with a free consultation.
Why Business Owners Throughout the U.S. Need Disability Insurance?
No matter the size of your business, it must meet its routine, day-to-day expenses — including rent, utilities, and employee salaries and benefits — even if you are unable to work due to an illness or injury.
This is also true if your business operates as a partnership, and one of the key people in the organization is sidelined due to an illness or injury. As business owners, you can identify yourself and your partners as a “key person.” This means your/their involvement in the organization is so essential to the health of your business that if one of you is away from work for an extended period, it could significantly impact your company’s finances, reputation, or ability to deliver promised products or services to your customers. In these cases, your disability insurance should support the healthy partner(s) by subsidizing the missing key person’s involvement, or buy their share of the business when necessary.
Our disability insurance attorneys represent business owners across the country and can help you determine exactly what your business disability insurance should cover and assist you in filing a complete claim. If you have already received an initial denial, we can help with that, too. Contact our Florida and nationwide disability insurance claims attorneys for business owners today to learn more.
What are the Most Common Reasons Insurance Companies Deny Business Owner Disability Claims?
The most common reason disability insurance companies deny business owners the benefits they are entitled to is because they are only focused on protecting their bottom line — not yours.
This means they will search for ways to deny business owners’ disability claims from the minute they are submitted. Unfortunately, they have a long track record of success in this area.
Common reasons for disability insurance coverage denials include, but are not limited to:
- Missed filing/response deadlines.
- Insufficient medical evidence to support the disability claim.
- The listed condition is not considered disabling under the policy’s definition.
- Claimed business expenses significantly outweigh the disability evidence.
At Disability Insurance Law Group, our Florida and nationwide business owner insurance claims attorneys believe insurance examiners must recognize the totality of your role as a professional and compensate you accordingly.
Do not allow your disability insurance company to diminish the reality of how your injury or illness impacts your business. Allow us to take the lead in your case and pursue real results that allow you to enjoy the quality of life that comes with putting your claim behind you, just as we have successfully done for thousands of professionals across the nation.
Our disability insurance attorneys represent business owners throughout the United States, and will review your case during a free consultation, outline the medical evidence and other crucial documentation that supports your disability claim, and present it to your insurance company to pursue the disability benefits you are entitled to from your unique policy.
At Disability Insurance Law Group, we also offer insurance claims for the following occupations:
Contact our Disability Insurance Attorneys for Business Owners Today
Contact our skilled disability insurance attorneys for business owners today by calling 954-989-9000 or contact us online to schedule a completely free and confidential case assessment, so we can put our over 50 years of combined experience to work for you — no matter where you work or live in the U.S.