At Disability Insurance Law Group, our claims attorneys in Pembroke Pines understand the complexity of insurance policies and empathize with the confusion and frustration they can cause. We know that it’s not always clear what benefits you are entitled to under your policy — whether accidental death and dismemberment, long-term care, life, healthcare, or disability benefits from a private or employer-provided group insurance policy.
With over 50 years of combined experience, our Broward County insurance claims attorneys are dedicated to representing policyholders in Florida — including the nearly 170,000 people who call Pembroke Pines home. This dedication is a testament to our commitment to ensuring you receive the benefits you are entitled to, no matter which type of insurance you carry or who the provider may be.
Our long-standing expertise can be invaluable in preparing an initial claim or responding to a dispute or denial that maximizes the benefits under your policy, producing results for you and your family.
Contact our skilled insurance claims attorneys in Pembroke Pines today for help.
Our Disability Insurance Law Group attorneys have the knowledge and experience to protect individuals and families in Pembroke Pines, throughout Florida, and nationwide against unfair or illegal treatment by insurers.
Whether you have private or group insurance coverage, our dedicated Pembroke Pines 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 our dedicated Pembroke Pines insurance claims attorneys today to discuss your claim during a free consultation.
At Disability Insurance Law Group, our Pembroke Pines claims attorneys know most people understand the difference between insurance coverages:
However, there are other crucial differences between private and employer-provided insurance, including:
Private Insurance: Individuals pay the total cost of insurance coverage, including premiums, deductibles, co-payments, and coinsurance. Due to the lack of employer subsidies, premiums for private insurance coverage may be higher than those for employer-provided insurance.
Employer-Provided Insurance: Employers often subsidize part of the cost of insurance coverage for their employees as part of their employee benefits package. This can make employer-provided insurance more affordable for employees than purchasing coverage individually.
Private Insurance: When purchasing private insurance, individuals have a wide range of coverage options. They can select the type of insurance — including health, life, disability, dental, and vision — coverage levels, benefit options, and insurer that best meets their needs.
Employer-Provided Insurance: Employers typically offer a limited selection of insurance coverage options to their employees, like health insurance, dental insurance, vision insurance, life insurance, and disability insurance. Employees may have some choice within these options but are generally limited to the plans offered by their employer.
Private Insurance: Private insurance coverage is portable, meaning individuals can maintain coverage even if they change jobs, move to a different location, or become self-employed. They control their insurance policies and can continue coverage if they pay premiums.
Employer-Provided Insurance: Employer-provided insurance coverage is tied to employment, meaning individuals may lose their coverage if they leave their jobs or are no longer eligible for benefits. However, individuals may have the option to continue coverage through the Consolidated Omnibus Budget Reconciliation Act (COBRA) or other continuation coverage options for a limited period after leaving employment.
The most significant difference is most employer-provided policies are often governed by the Employee Retirement Income Security Act of 1974 (ERISA).
ERISA is a federal statute that provides extremely strict deadlines and guidelines for claimants and insurance companies to abide by in processing a claim, submitting an appeal, and ultimately determining eligibility for benefits under a long-term or short-term disability insurance policy. This makes employer coverage more challenging, leaving policyholders in a difficult financial position.
We can help, starting with a free consultation.
Whether you have private or employer-provided insurance coverage, including coverage governed by ERISA, our Pembroke Pines insurance claims attorneys provide in-depth policy review and analysis services to accurately interpret the policy’s language and understand how it applies to your situation.
Contact our skilled insurance claims attorneys in Pembroke Pines, 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.
Total Est. Time: 27 min
Total Est. Distance: 20.5 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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