At Disability Insurance Law Group, our Naples claims attorneys specialize in representing individuals and families in Florida and nationwide who are pursuing accidental death and dismemberment, long-term care, life, healthcare, or disability benefits from a private or employer-provided group insurance policy — including complex Employee Retirement Income Security Act (ERISA) policies.
Unlike private insurance policies, claims governed by ERISA are subject to particular, restrictive rules. Understanding your rights and obligations under your specific policy or benefit plan can mean the difference between obtaining the benefits you deserve and a denied claim.
Our Collier County insurance claims attorneys handle initial claims, disputes, appeals, lump sum negotiations, and lawsuits on behalf of policyholders nationwide because we know that the insurance company will make it extremely challenging to receive the benefits you deserve.
You deserve more. With more than 50 years of combined experience and a deep understanding of the legal framework, regulations, and case law that apply to our clients’ needs, we can help them pursue actual results — no matter where they live or work in the U.S.
Contact our skilled insurance claims attorneys in Naples today for help.
Our Disability Insurance Law Group attorneys have the knowledge and experience to protect individuals and families in Naples, throughout Florida, and nationwide against unfair or illegal treatment by insurers.
Whether you have private or group insurance coverage, our dedicated Naples insurance claims attorneys represent clients with the following:
No matter which stage of the insurance claim process you are in — whether you are filing an initial claim, responding to an insurance company dispute, or have already been denied benefits — we can help. Contact us today to discuss your claim during a free consultation.
This is a great question and one our Naples insurance claims attorneys often receive. The short answer is it depends on the type of policy.
For instance:
Accidental Death & Dismemberment (AD&D) insurance is designed to provide coverage in the event of accidental death or certain types of serious injuries, such as loss of limbs or eyesight, resulting from accidents. The use of funds from an AD&D insurance claim can vary depending on the policy and the terms and conditions outlined in the policy documents.
If the insured person dies because of a covered accident, the AD&D insurance policy typically pays out a death benefit to the designated beneficiary or beneficiaries. Beneficiaries generally have flexibility in using the death benefit for their chosen purpose. They can use the funds to cover living expenses, pay off debts, invest, or address any financial needs or goals.
If the insured person suffers a covered dismemberment, such as losing a limb or eyesight, the policy may pay a benefit for that specific type of injury. Dismemberment benefits can also be relatively flexible, allowing the recipient to use the funds as needed.
Disability insurance benefits are designed to replace a portion of the policyholder’s income if they become disabled and cannot work. The primary purpose is to cover living expenses and financial obligations during the disability period. How the money is used is how the recipient sees fit.
Health insurance proceeds are typically used to cover eligible medical expenses. Policyholders can submit claims for medical treatments, prescriptions, and healthcare services covered under their health insurance plan. These benefits are intended to help policyholders manage their healthcare costs.
In most cases, life insurance policy beneficiaries can use the insurance proceeds for any purpose they choose. Life insurance death benefits are typically paid out as a lump sum, and beneficiaries are not typically required to explain how they will use the funds.
Long-term care insurance benefits are designed to help cover the costs of long-term care services when you cannot perform certain activities of daily living (ADLs) or require assistance due to a chronic illness or disability. Long-term care benefits follow the terms and conditions outlined in the specific long-term care insurance policy.
Depending on your policy and needs, long-term care insurance benefits can be used in various care settings, including:
Most policies pay costs up to a pre-set daily limit until the lifetime maximum is reached.
There are two ways that long-term care policies pay benefits:
The payment is made to you after you have received the covered care and submitted a claim.
The insurance provider sends a pre-determined monthly payment to the policyholder, regardless of the price of any care provided.
Total Est. Time: 1hr 42 min
Total Est. Distance: 106 Miles
Call us:
(954) 989-9000
Email Us:
mindy@dilawgroup.com
Our address is:
3201 W Commercial Blvd Suite 227, Fort Lauderdale, FL 33309
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No matter which type of insurance you have, who your insurer is, or where you are in the claim process, we can help. Contact our skilled insurance claims attorneys in Naples, Florida, and nationwide today by calling 954-989-9000 or contact us online to schedule a free and confidential case assessment so we can put our over 50 years of combined experience to work for you.
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