Disability Insurance Claim Attorneys in Fort Lauderdale, Florida
At Disability Insurance Law Group, our claims attorneys represent policyholders in Florida and throughout the United States, ensuring everyone has equal legal representation to pursue their benefits successfully.
We understand that suffering a disabling injury or being diagnosed with a disabling condition that will keep you from working is physically and emotionally life-changing. This is when having disability insurance should give you peace of mind, protecting you and your family from a potentially catastrophic financial fallout that could come with a long-term lack of income.
Your financial responsibilities are not placed on hold because you are hurt or ill. Will the company promising you disability coverage do the right thing and pay your claim? For the company, this is a business decision. Accordingly, disability insurance and benefit claims are highly scrutinized and often fiercely litigated. This is the last thing you need while adjusting to your new normal. That is why we are here.
The attorneys at Disability Insurance Law Group understand the importance of these claims and take that responsibility seriously.
Our national disability insurance claim attorneys can help you understand the best practices for filing your claim, no matter where you live in the U.S. or which insurance provider has underwritten your policy.
With over 50 years of combined experience handling insurance matters, our lawyers understand the process, the applicable case law, and the common tactics that insurance carriers employ to deny disability insurance and benefit claims. We know what is at stake and aggressively fight to protect our client’s rights at all process stages.
Contact us today to learn more about your legal rights and options to pursue your disability insurance policy for the benefits you are entitled to, so you can confidently move forward.
Does the Disability Insurance Law Group Manage All Types of Claims?
At the Disability Insurance Law Group, our attorneys represent clients in all 50 states with a sincere focus on pursuing their disability coverage, so they can access the benefits they are entitled to, no matter which type of disability insurance they carry.
There are two forms of disability coverage:
- Private disability insurance policies.
- Group disability benefit plans (typically governed by ERISA).
While there are similarities in these types of disability coverage, the differences are usually significant. Moreover, the law governing each type of coverage is vastly different. For individuals, this is what makes the process of seeking benefits under either type of coverage extremely challenging.
However, understanding your rights and obligations under your particular policy or benefit plan and how it aligns with the laws in your state can mean the difference between a denied claim and obtaining the benefits you deserve.
At Disability Insurance Law Group, we can answer your frequently asked questions and assist you with the following:
- Filing a claim for short-term and long-term benefits.
- Negotiating a lump sum buyout of your claim.
- Fighting a claim denial or delay.
- Managing an ongoing lawsuit for benefits under your policy.
Whether your disability insurance is employer-provided or if you have planned and paid for a private policy so you would be protected during times like these, we want to help you pursue the coverage you deserve. You do not have to face the insurance company alone. We can help you avoid the intimidating process — from the start of your claim or if you have already been denied benefits — so you can focus on getting your life back on track. Contact us today to learn more about our client-friendly process, so you can rest easy knowing you have true professionals by your side.
How Does the Disability Insurance Claim Process Work?
No matter your profession, being sidelined from work jeopardizes your livelihood. This is precisely what disability insurance is for — to protect you from exhausting your savings and to ensure you have money coming in when an injury or illness keeps you from working.
To get started, most people review their disability insurance policies to understand better what is covered, so they are not surprised when the claim process starts.
Unfortunately, the surprises typically begin immediately, starting with the coverage details. Disability insurance policies and benefit plans are often written in confusing language. It is difficult to understand if the policy covers illness or injury.
Next, the claim process is designed to be complex, confusing, time-consuming, and often intimidating. One missed deadline, lacking detail, or inadvertent omission can derail your claim and result in a dispute or denial.
Your insurance company will insist on asking questions you may not have answers to, including details about your illnesses, injuries, or conditions that must be supported by medical evidence and doctors’ reports that should speak for themselves. If it has not already, this is typically where the frustration begins to mount.
The attorneys at Disability Insurance Law Group are dedicated to leveling the playing field and aggressively fighting to obtain the benefits our clients deserve — no matter where they live or work in the U.S.
Our Nationwide Disability Insurance Claims Attorneys Will Fight For The Benefits You Deserve
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 process together, no matter where you are in the U.S.
We work with each client to eliminate confusion and communicate what happens at every step of the disability claim process. You have rights, and you deserve to receive the benefits you have paid for and that were promised to you. We will aggressively assert those rights and fight to obtain all the benefits you deserve. Here, we are genuinely concerned about the well-being of our clients and will do everything we can to ensure your claim process is successful from the start.
Contact our skilled disability insurance claims denial attorneys nationwide 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.
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Frequently Asked Questions for Our Disability Insurance Claims Attorneys in Florida
Can an Insurance Company Delay or Deny My Legitimate Disability Claim?
The short and devastating answer is yes. Insurance companies are businesses that profit when insurance claims are not paid. This could mean it delays rendering a decision on a claim and prolongs the investigation process. Claimants often find themselves in an endless cycle of submitting information only to be told it is insufficient. The reason for this is simple — many individuals become so frustrated with the process that they give up their claims.
In other cases, the insurance company may outright deny the claim, using one or more of the following reasons:
- 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.
If your claim is being delayed or denied, immediately. We will investigate your insurer and their process to identify whether the company acted in bad faith or to appeal your denial effectively.
What is Considered Bad Faith Insurance?
Bad faith insurance refers to an insurer’s attempt to renege on its obligations to its policyholders, either through refusal to pay a legitimate disability claim or failing to investigate and process a policyholder’s claim within a reasonable period.
Bad faith may also mean misrepresenting the policy’s language to avoid paying a claim, failing to disclose policy limitations and exclusions before someone purchases a policy, or making unreasonable demands to prove a covered loss. In any case, bad-faith insurance actions are illegal and should be reviewed with an attorney. Most states have policyholder protections allowing individuals to hold the insurance company liable for bad faith acts. We can help.
Can the Insurance Company Follow Me Around to Ensure I Am Hurt/Ill?
Yes. The insurance company will investigate their policyholders to ensure they suffer from the injury or illness outlined in their claim. In addition to requiring their medical records and doctors’ statements, the insurance company may surveil the policyholder to ensure they pursue the proper medical treatment, attend follow-up appointments, and avoid activities that may jeopardize their well-being or counter their condition.
In most cases, without the claimant’s knowledge, insurance companies employ the services of private investigators to follow the claimant and conduct video surveillance over several days. This video often creates the illusion that the claimant is less than truthful based on answers provided during an in-person/field interview. Surveillance footage is subjective and is often used as an intimidation tactic to get the policyholder to settle their claim for a significantly lower amount than they deserve. You do not have to take the insurance company’s word for what your claim is worth. Contact our nationwide disability insurance attorneys for help so that you can make informed decisions about the direction of your claim.
Why is the Insurance Company Asking Me to Attend an Independent Medical Exam?
If you receive long-term disability benefits, the insurance company will periodically review your claim to determine if you continue to meet the applicable definition of disabled. The insurance company believes this is their opportunity to terminate your benefits, so they will do everything possible to disprove that you are still disabled.
Often, this will involve obtaining your medical records and statements from your physicians to be reviewed by medical professionals who work for the insurance company. In other cases, the insurer may ask you to attend an examination with a doctor of their choice, called an Independent Medical Exam (IME).
Can I Decline to Participate in an Independent Medical Exam?
Generally, if the insurance company asks you to attend an Independent Medical Exam (IME), you must do so. Most long-term disability policies have provisions that require you to cooperate with the insurance company in their assessment of your claim. Refrain from participating in the IME to avoid terminating or denying your claim.
However, it may be possible to argue that an IME should be optional, as you have provided enough medical documentation for the insurance company to decide without an additional medical assessment. If the insurance company insists you attend the IME, contact our skilled disability insurance lawyers to discuss your legal rights and options.