Trusted Disability Insurance Claim Attorneys in St. Petersburg, Florida
At Disability Insurance Law Group, our St. Petersburg claims attorneys have over 50 years of combined experience representing policyholders in Florida and nationwide, so everyone has a fair chance at putting the coverage they paid for to use.
While it may seem like the insurance company has stacked the deck against you, especially if your claim is disputed or has already been denied, we will level the playing field with a customized legal strategy to pursue the compensation you deserve.
Our Pinellas County disability insurance claims attorneys 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. This is when having disability insurance should give you peace of mind, protecting you and your family from a potentially catastrophic financial fallout that could come with a long-term lack of income.
If you have disability insurance, no matter where you live in the U.S. or which insurance provider carries your policy, contact our skilled St. Petersburg disability insurance claims attorneys today to learn more about your legal rights and options to pursue the benefits outlined in your coverage.
What Type of Disability Insurance Claims Does Disability Insurance Law Group Handle?
At Disability Insurance Law Group, our St. Petersburg 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.
Our disability insurance claims attorneys in St. Petersburg represent policyholders nationwide who have:
- Private disability insurance policies.
- Group disability benefit plans.
Most insurance benefits offered through employment are governed by a federal law called ERISA. 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. We can help, starting with a free consultation today.
How Can Disability Insurance Law Group Help with My Claim?
Our disability insurance lawyers in St. Petersburg handle initial disability claims, appeals, lump sum negotiations, and lawsuits on behalf of policyholders nationwide because we know that suffering a debilitating injury or illness is just the beginning of your challenges.
Adjusting to your new normal will take time, and dealing with the insurance company’s red tape could significantly affect your well-being. It doesn’t have to.
Our skilled disability insurance lawyers work tirelessly to protect policyholders’ rights – no matter where they live or work in the U.S. or what industry they work in – so they can pursue the benefits they deserve.
We handle disability claims in each stage of the process, including:
Filing a Complete Disability Insurance Claim on Your Behalf
One of the major roadblocks in obtaining successful access to disability insurance benefits is submitting an incomplete claim. Or, worse, one you believe to be complete, but the insurance company finds insufficient to pay your benefits.
The reality is that the insurance company is going to do all it can to dispute or deny your disability claim. Please do not give them the opportunity.
By partnering with our skilled St. Petersburg disability insurance attorneys, we will take the lead to:
- Review your coverage terms, conditions, and definitions outlined in your policy, including waiting periods, benefit periods, and any exclusions.
- Gather documentation, including medical records, doctor’s notes, hospital records, test results, and any other medical evidence demonstrating the extent of your disability and its impact on your ability to work. We will also ask your healthcare providers to provide statements or reports that describe your condition, its severity, and its impact on your ability to perform your job. These statements can carry significant weight in your claim.
- Provide financial documentation, like tax returns or pay stubs, to demonstrate your income and earnings before the disability.
- Complete claim forms wholly and accurately to provide all requested information, including details about your medical condition, treatment, and how it affects your ability to work.
- Meet Deadlines specified by your insurer to meet all deadlines to avoid delays or denials of your claim.
It is crucial to note that the specific types of disabilities covered and the terms of coverage can vary widely from one disability insurance policy to another. We can help ensure you understand what your policy covers and help you obtain the benefits outlined therein.
Explore the Legality of Delayed Disability Insurance Claims
A delayed claim is one where the insurance company has not paid a claim within the time limits set by law. While the laws of each state set the exact deadline, life insurance companies must pay claims timely, usually within 30 to 90 days after receiving a valid claim and proof of death. Sometimes, the delay is legitimate, and other times it is not. There can be significant penalties if the delay is improper, and we will get to the bottom if so
Respond to Disputed Disability Insurance Claims
Disability insurance claims can be disputed for various reasons, and the specific issues may vary depending on the insurance policy, the individual’s circumstances, and the insurance company’s policies and practices.
However, some of the most common types of disputed disability insurance claims include:
- Medical Evidence Disputes
Insurance companies may question the severity of the disability, the necessity of treatment, or the validity of the medical documentation submitted by the claimant.
Insurance companies may deny claims if they believe the disability is related to a pre-existing condition not covered by the policy.
Disputes can arise over the policy’s definition of disability. Some policies define disability as the inability to perform one’s own occupation, while others define it as the inability to perform any occupation.
Some disability insurance policies have waiting periods before benefits are payable. Disputes may occur if the insurer believes the claimant’s disability did not meet the waiting period’s requirements.
The insurance company and claimant may disagree on the amount of benefits owed. This can occur due to differences in how income is calculated or disputes over the policy’s coverage limits.
- Timeliness and Documentation
Claims can be disputed if the claimant fails to meet deadlines, provide requested documentation, or follow prescribed treatment plans. Insurers often have strict requirements in this regard.
Mental health disability claims are sometimes disputed more frequently than physical health claims. Insurance companies may argue that the mental health condition is not severe enough to warrant disability benefits.
- Occupation Classifications
Disputes may occur if the insurer classifies the claimant’s occupation differently from how the claimant perceives it, leading to disagreements about the policy’s terms.
If the insurer is disputing your disability insurance claim, contact us today to get the help you need to respond quickly and effectively so there is no more lost time in receiving the benefits you deserve.
Appeal Denied Disability Insurance Claims
A denied claim is when an insurance company refuses to pay because it believes the insured or policy owner did something wrong. The insurance company may argue that the policy owner failed to pay premiums timely, the insured person did not disclose pertinent medical information during the application process, or some other reason allowed them to break their promise to pay the claim. No matter the reason for the denial, we will review your claim during a free consultation so you can make informed decisions about the appeal process.
At Disability Insurance Law Group, we help everyone — no matter their occupation, disabling condition, insurance provider, or where they live in the United States — file their initial claims or fight a dispute or denial so they have the representation they need to obtain the disability benefits they have paid for.
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Contact Our Disability Insurance Claims Attorney Today
Contact our skilled disability insurance claims attorneys in St. Petersburg 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.