When you are injured or suffering from medical conditions that prevent you from working, your disability coverage is supposed to be there to protect you and your family. Your bills do not stop just because your illness or injury has interfered with your ability to earn an income. The question is, 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.
In contrast, for individuals facing disabling illness or injury, their disability insurance coverage is their financial security. The attorneys at Disability Insurance Law Group understand the importance of these claims for our clients and take that responsibility seriously.
With over 50 years of combined experience handling insurance matters, our lawyers understand the process, the applicable case law and the common tactics employed by insurance carriers in attempting to deny disability insurance and benefit claims. We understand what is at stake and aggressively fight to protect the rights of our clients at all stages of the process. Our clients include professional athletes as well as physicians, attorneys and other professionals.
The Disability Benefits Claim Process
Disability insurance policies and benefit plans are often written with confusing language. Most individuals find the process of seeking benefits or appealing a denial of benefits frustrating and time-consuming. The claims handling process is designed to be complex, confusing and is often quite intimidating. The attorneys at Disability Insurance Law Group are dedicated to leveling the playing field and aggressively fighting to obtain the benefits our clients deserve.
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, the process of seeking benefits under either type of coverage can be extremely frustrating and difficult.
However, understanding your rights and obligations under your particular policy or benefit plan and the law can mean the difference between destroying your claim and obtaining the benefits you deserve. At Disability Insurance Law Group, we can answer your frequently asked questions and assist you with:
- 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
Eliminating Claim Confusion
At Disability Insurance Law Group, we work with you to eliminate confusion and clearly communicate what is happening at every step of the process. You have rights and you deserve to receive the benefits you have paid for with your premiums and that were promised to you. We will aggressively assert those rights and fight to obtain all the benefits you deserve.