Trusted Disability Insurance Claim Attorneys in Miami, Florida and Nationwide
At Disability Insurance Law Group, our Miami, Florida and nationwide claims attorneys represent policyholders in Florida and throughout the U.S., ensuring everyone has equal access to legal representation to pursue their disability benefits successfully.
Our Miami-Dade County disability insurance lawyers have over 50 years of combined experience handling initial claims, appeals, lump sum negotiations, and lawsuits on behalf of policyholders nationwide.
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.
Unfortunately, millions of people in the U.S. are managing disabilities that have changed their lives. The Pew Research Center reports that there are about 42.5 million Americans with disabilities, making up 13% of the civilian noninstitutionalized population, according to the latest U.S. Census Bureau data.
Having disability insurance gives policyholders the peace of mind they need to adjust to their abilities without suffering from the potentially catastrophic financial fallout that could come with a long-term lack of income.
We know what is at stake and aggressively fight to protect our client’s rights at all process stages, so they can successfully pursue the benefits from their private or employer-paid disability coverage. When these claims are disputed or denied, it adds significant stress and anxiety that can further impede a policyholder’s ability to move forward confidently.
Contact our skilled Miami, Florida and nationwide disability insurance claims attorneys today to learn more about your legal rights and options to pursue your policy for the benefits outlined in your coverage.
What Type of Disability Insurance Claims Does Disability Insurance Law Group Handle?
At Disability Insurance Law Group, our Miami 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.
We understand your financial responsibilities are not on hold because you are hurt or ill, and we know the importance of your claim approval and take that responsibility seriously.
Our disability insurance claims attorneys in Miami represent policyholders nationwide who have:
- Private disability insurance policies.
- Group disability benefit plans (typically governed by ERISA).
The similarities in these types of disability coverages make each state’s laws and the claim requirement differences even more confusing when policyholders pursue their benefits.
Understanding your rights and obligations under your particular policy or benefit plan can mean the difference between obtaining the benefits you deserve and a denied claim.
Our Miami disability insurance claims lawyers assist policyholders nationwide by:
- Filing a claim for short-term and long-term benefits.
- Fighting a claim denial or delay.
- Negotiating a lump sum buyout of your claim.
- Managing an ongoing lawsuit for policy benefits.
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.
Contact our disability insurance claims attorneys in Miami today to learn more about our client-friendly process, so you can rest easy knowing you have true professionals by your side.
Why is the Insurance Company Denying My Disability Claim?
Insurance companies are notorious for denying claims of all types — including disability claims. The financial liability associated with these claims ensures the insurance company will scrutinize them for extended periods, repeatedly asking policyholders for additional information to the point they may become so frustrated with the process that they give up on their claims.
In other cases, the insurance company may outright deny the claim, using one or more of the following reasons:
- The insurance claim was not filed before the required deadline.
- Insufficient medical evidence and documentation.
- Missing physician statements to support the disabling condition.
- Condition deemed not covered by the policy or is considered a pre-existing condition.
- Independent medical examiner disputes disability.
- Insurer uncovers adverse information during an investigation.
If your claim is delayed or denied, contact our dedicated Miami disability insurance claims attorneys today for help. We will investigate the insurer’s processes to identify whether the company acted in bad faith or to appeal your denial effectively.
What Happens During a Disability Insurance Claim Investigation?
Insurance representatives focus on preserving their corporate employer’s bottom line. This means scrutinizing each claim to uncover compromising or conflicting information allowing the insurer to dispute or deny the claim.
Disability insurance claim investigations often involve:
- Interviewing physicians to ensure their medical records and statements represent their actual findings.
- Surveilling the policyholder to ensure they follow their medical treatment plan, which includes attending follow-up appointments and avoiding activities that counter their reported condition.
- Employing the services of private investigators to follow the claimant and conduct video surveillance over several days.
- Conducting in-person/field interviews with neighbors, friends, and family members to uncover witness testimony that the policyholder is untruthful about their condition.
- Scouring social media posts, comments, and images to uncover statements/behavior that conflict with their condition.
When policyholders pursue disability insurance claims, the insurance company will scrutinize every statement or movement to undervalue, deny, or terminate their claim.
You do not have to take the insurance company’s word for what your claim is worth.
Contact Our Disability Insurance Claims Attorney Today
Contact our skilled disability insurance claims denial attorneys in Miami, Florida and 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.
