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February 7, 2024

How Do I File an Appeal for a Denied Long-Term Disability Claim?

At Disability Insurance Law Group, our long-term disability insurance claims attorneys represent policyholders nationwide whose claims have been denied. We understand the devastating impact a denial letter can have on you...

October 25, 2023

Disability Insurance Law Group Files Appeal and Wins Long-Term Disability Benefits for Claimant Denied by Unum

Sandra A. was an executive in a large multi-national corporation. Her job required frequent travel and onsite inspections. When new products were about to launch, Sandra would give presentations to...

March 23, 2023

Why Should I Appeal A Disability Claim?

Finding out that your disability insurance provider has denied your claim can be frustrating, confusing and frightening. You and your family were likely counting on those benefits to help make...

Testimonials

I was so scared when my disability insurance company denied my claim. I had no idea how to prepare an appeal. I thought I would lose my house. They walked...

Former Client

I contacted Disability Insurance Law Group and they have been taking care of me since that first call. Alicia and her staff fought for me and kept me informed at...

Ms. B.

As a practicing general dentist for 35 years I did all the right things I was told to do by advisors. When I became unable to practice dentistry after a...

Dr. S.

My experience being a client of Ms. Mindy Chmielarz of Disability Insurance Law Group: I contacted Mindy from an advertisement after reviewing her AV rated status from her legal peers on...

Dr. JM

I realized one year ago I was going to need to file my disability claim and was urgently in need of expert legal counsel. My claim was extremely complicated and...

Dr. FM

am very grateful to Mindy Chmielarz for helping me with my disability claim. She is extremely experienced and knowledgeable in disability law. She was a tremendous asset and it was...

I worked as a teacher for 15 years. I was in a car accident and despite 3 surgeries, I remained in constant pain. I filed my claim for disability insurance...

Paula R.

I struggled to continue to practice as a dentist after I was diagnosed with MS. After I developed a tremor in my hands, I knew I could no longer treat...

Dr. G.

I never imagined that I would have to discontinue my medical practice due to a disability. Unfortunately it happened, but I had appropriate disability insurance coverage. I knew that proper...

Table of Contents

Insurers’ Tactics For Denying Life Insurance Claims

Insurance companies are in business to make a profit. It is not in their interest to pay out on large life insurance policies without first exhausting every legal avenue for denial.

Types of Misrepresentation Claims That Insurance Companies Make

Other common denial tactics used by insurance companies to deny life insurance claims include:

Denials based on a claimant’s failure to disclose required information in the application process
Failure to strictly adhere to the claim filing process
Allegations of fraud or misrepresentation
Policy construction and interpretation issues
Effective date of coverage disputes
Disputed cause of death
Cancellation of a policy because of non-payment of premiums or other premium disputes

Legal Help to Fight a Denied Claim

The attorneys of Disability Insurance Law Group assist clients in Florida, throughout the Southeast and nationwide with their applications for life insurance benefits, appeals of denied claims, settlements and lawsuits. Contact us by email to schedule a free face-to-face or telephone consultation, or call our offices at 954-989-9000.