Trusted Colonial Disability Claims Attorneys Representing Clients Throughout the U.S.
At Disability Insurance Law Group, our national claims attorneys know it is impossible to turn on a television without seeing a Colonial Insurance commercial. The company’s extensive marketing campaigns promise inexpensive life and disability insurance, typically guaranteeing you cannot be turned down for coverage.
When the company isn’t marketing to the public, it is touting how they have “made it easy for employers to offer benefits that help retain skilled workers and help businesses grow” for 80+ years. Most group policies are governed by the Employee Retirement Income Security Act of 1974 (ERISA), millions of which Colonial underwrite. ERISA policies include stringent claim filing procedures and timelines that many policyholders cannot navigate independently.
In addition, Colonial’s website claims the insurer ranks #2 in whole/universal life insurance and short-term disability policies. However, many policyholders are met with resistance when filing a claim.
That is why we are here. Our national disability insurance attorneys represent Colonial policyholders nationwide — no matter where they live or work in the U.S. — with their best interests and true success in mind so our clients can pursue the benefits they are entitled to from their employer-provided coverage or personal policies. Contact us today to learn more.
What are My Rights as a Colonial Disability or Life Insurance Policyholder?
As a Colonial disability or life insurance policyholder, you have certain rights and protections outlined in your insurance contract and, in some cases, by your applicable state laws. Awareness of these rights is essential to ensure you receive fair treatment throughout the policy lifecycle.
Here are some fundamental rights that policyholders typically have:
- Right to Policy Information
You have the right to receive a copy of your insurance policy, including all terms, conditions, and exclusions. Reviewing this document is crucial to understanding your coverage and obligations.
Insurance companies are generally required to respect your privacy. They must adhere to privacy laws and regulations when collecting, using, and disclosing your personal information.
- Right to Non-Discrimination
Insurance companies are prohibited from discriminating against policyholders based on race, gender, religion, or disability. Your policy should provide coverage based on the terms and conditions outlined in the contract.
- Right to Timely Claim Processing
You have the right to expect your insurance company to process your claims promptly. Delays without valid reasons may be subject to regulatory scrutiny.
- Right to Appeal Denied Claims
You generally have the right to appeal the decision if your claim is denied. The insurance company should provide a transparent appeals process, including submitting additional information or evidence.
- Right to Fair Investigation
If your claim is under investigation, the insurance company must conduct a fair and thorough review. You have the right to be treated fairly and to provide any necessary information to support your claim.
- Right to Receive Benefits
If you meet the conditions outlined in your policy, you have the right to receive the benefits specified in the contract. This includes disability benefits or life insurance payouts in the event of a covered loss.
- Right to Cancel or Change Coverage
In many cases, policyholders have the right to cancel or change their coverage. However, specific terms and conditions may apply, including any penalties or fees.
- Right to Know Premiums and Charges
You have the right to know how premiums are calculated and any charges associated with your policy. This transparency helps you understand the cost of your coverage.
If your insurance company violates the terms of your policy or engages in unfair practices, you have the right to seek legal recourse. This is why we are here. With over 50 combined years of experience, our Colonial disability insurance attorneys know that understanding the definition that dictates your coverage is critical to winning and maintaining your disability benefits.
Whether you are considering applying for benefits, are waiting for a claim’s decision, or have been denied, we are available to assist you with your Colonial disability claim anywhere in the country, starting with a free consultation.
We are fully dedicated to providing transparent legal services that allow us to pursue real results for real people who need our help — no matter where they live or work in the U.S.
Contact Our Dedicated Disability Insurance Attorneys Nationwide
If you are receiving resistance from Colonial for your U.S. disability or life insurance claim, or if your claim has already been denied, contact our dedicated disability insurance attorneys nationwide at 954-989-9000 or online to schedule a free, confidential case assessment without delay.