We do not handle social security disability claims
Serving the USA
We Are a Nationwide Leader in Disability Insurance Law
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Over $200 Million Recovered for Our Clients

Florida Disability Insurance Law Firm

Frankel & Newfield represents many Florida disability insurance claimants whose claims have been denied, delayed or terminated. Florida is the most populous state in the southeast, and the fourth most populous state in the country. Many people who live in Florida today came from the northeast, eager to leave the cold climate behind and live in a warm tropical state where they can enjoy outdoor activities like golf, boating and fishing all year long.

While Florida is known as a tourist destination, that is only a part of the state’s economy. Several key commercial centers in Florida – Miami, Jacksonville and the state capital, Tallahassee, are busy with international trade and finance. The state has an extensive state university system and several colleges – University of Miami among them – draw professors and college students from across the county. Retirees from the entire Eastern seaboard and Canada come to Florida and a large economy has sprung up around their special needs: housing, entertainment, medical care, etc. Florida Disability Claims and the Independent Medical Examination

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An Independent Medical Examination (IME) is a standard request by an insurance company that is included in every long term disability insurance policy ever issued. It often seems excessive when the same disability insurance claims adjuster who has gathered extensive medical records then requests that the claimant go for an IME. It would seem that the disability insurance company already has all of the information that it might need. However by virtue of its inclusion in the contract, the insurance company does have a right to ask for an IME. What most individuals making a claim do not understand is that there is nothing “independent” about an IME. The doctor making the examination of the patient is paid a very generous sum of money by the disability insurance company to conduct the exam. His client is not the person being examined, but the insurance company. There are entire medical practices that are geared solely to conducting IMEs for insurance companies. They don’t have to actually practice medicine. It is important to understand this, so that when you go for an IME you know why you are there and what the doctor is looking for. Many people fall into a trap of trying to minimize their pain or their illness because they don’t want the doctor, an authority figure in a white lab coat, to dislike them, or judge them to be a malinger. This is a natural tendency that the doctor and the insurance company take advantage of. When you are told to go for an IME, go with a friend or family member who can take notes. Do not volunteer information to the doctor, but just answer the questions you are asked. Be honest about what hurts and when, and about any limitations that you have because of your illness or injury. If you can, videotape or audiotape the examination. Remember that the doctor wants to keep his/her client – the insurance company – happy. Their allegiance is not to you, even if they are a medical professional who has sworn to help people. If you have questions about an IME, please call our office today to learn how representation from a skilled Florida disability attorney can help protect you and your family.

We Fight the Insurance Company for You!

Why Us?

  • Over $200 Million Recovered
  • We have seen your situation before
  • We know the insurance companies’ tactics
  • We are aggressive in our approach
  • We are highly rated and received the Super Lawyers designation each year

Client Testimonials

5.0 Average on Martindale & AVVO
  • We know how important our work is to the people we represent, and we’re pleased to share this recent note from a client. Dear Justin and Christina, I wanted to take a moment to express my sincere g…
  • Our 60-year-old client worked for the world’s largest out-of-home advertising company as a Senior Buyer and outdoor furniture supplier, doing everything necessary to manage a contract for twenty ye…
  • Successful ERISA Appeal of Cigna Denial for High-Ranking Aviation Executive from Florida A 61-year old woman with a prestigious role at a leading aviation company never imagined she would stop work…
  • ERISA Case Headed to Trial in Federal Court – Barber v. Sun Life & Health A Federal Judge in Connecticut has scheduled a trial with live witnesses in an ERISA case, to be decided under the arbi…
  • F&N Resolves a Four Year Delay in UNUM Lump Sum Settlement Matter We were contacted by a 56 year-old man from Maryland who had been trying to negotiate a lump sum settlement of his private disa…
  • Our client, a successful New York dentist, was on claim for a number of years with Trustmark Insurance, due to severe orthopedic issues, which did not permit him to safely and effectively practice …
  • “OK, now that I have had a chance to calmly review the documents, I just wanted to thank you for all of your help. I am certain that if I would have tried to do this myself, I would not have had th…
  • Frankel & Newfield Navigates Complex Issues, From Claim Preparation to Lifetime Management, for Chiropractor A New York chiropractor in his mid-50s was concerned about complex issues associated…

Filing a Disability Insurance Claim

Secrets the Disability Insurance Companies Don't Want You to Know!