We wish we could say that there was one particular company that always came through for their disability insurance claimants. There would be little need for us as disability insurance attorneys, so we would become insurance salesmen, and make sure that everyone bought policies from that one good disability insurance company.
Unfortunately, this is not the case.
Our clients are insured by many different disability insurance companies. Some have private insurance with the highest rated disability insurance company, while others have the least expensive policies that they receive as a benefit from their employers. They are doctors and lawyers and business owners with huge incomes, and working people with moderate incomes. They come from all backgrounds, work in all fields, and live in a variety of states.
Regardless of the insurance company, they all share the same challenge: they are ill or injured and have been denied the benefits that they thought would help them, or the process has been unreasonably delayed with countless demands for more information, or they have been intimidated by the insurance company and required to undergo testing or examinations without being made aware of their rights.
When you are facing a problem with an insurance company, it’s common to feel like you must have made a mistake. Did you pick the wrong company to provide disability benefits for you? Was there another level of coverage that might have been more likely to be accepted and paid?
If you have been denied disability insurance, it is not a reflection of who you are or anything you have done wrong. Don’t let the insurance company intimidate you – you have rights. Call our office to learn about our practice and what we do to help our clients.