Disability Insurance Denial Overview
Long term disability insurance is designed to protect you against unforeseen illness or injury that may leave you unable to work. If you have filed your disability insurance claim and received an unfavorable decision, Sokolove Law may be able to help you take legal action.
Unfair Denial
You purchased long term disability insurance to provide protection for your family in the event you became ill or hurt and unable to work. You’ve also done your part by dutifully paying your premiums on time, expecting that the insurer would hold up its end of the bargain as well, should you need to claim your rightful benefits.
As you may have already discovered, insurers do not always hold up their end of the bargain. It’s true that an insurance company may have a legitimate reason for refusing to pay disability benefits. However, many companies deny a long term disability claim or terminate payments even if that claim falls within the terms outlined by the policy. When an insurer acts unfairly and does not honor its contractual commitments to a policyholder, it is acting in bad faith.
Why Do Insurance Companies Act in Bad Faith?
The primary motivation behind insurance bad faith is money. By searching for every possible legal and technical angle that will allow them to deny valid claims, insurers are able to pay out less money to their policyholders and protect their profits.
There are many ways in which an unscrupulous insurer can demonstrate bad faith. Such practices run the gamut from failing to thoroughly investigate a claim to using intimidation to discourage or under settle claims. Some other acts of insurance bad faith may include:
- Making a partial payment on a disability claim
- Unreasonably denying, delaying or terminating disability benefits for a covered claim
- Concealing disability benefits from policy holders
- Intentionally misclassifying an injury
Insurance Bad Faith Doesn’t Have to Happen to You
A disability insurance policy is a contract between you (the insured) and your insurance company (the insurer). It is the insurance company’s duty to treat you in a fair and ethical manner and to fulfill its contractual obligations if you become injured or too sick to perform your job.
Insurance bad faith happens to people every day, but it doesn’t have to happen to you. In most states, an insurance company may not legally put its own interests before that of an insured. To prove that your insurer has acted in bad faith, you must simply show that they have failed to honor their contract with you by unjustifiably denying your claim. This is where a long term disability lawyer can help.
Get a Free, No-Obligation Case Evaluation
If, after reviewing your disability insurance policy, you still feel you have been wrongfully denied disability benefits, don’t take “no” for an answer. Call Sokolove Law today or fill out the form on this page to request a FREE, no obligation long term disability denial legal consultation. Our dedicated case managers are here to address your concerns and provide guidance on next steps.
Why Hire a Long Term Disability Insurance Attorney?
When confronted with the confusing long term disability insurance claims process, many consumers simply forego what may be owed to them because of the time and effort necessary for making the insurance company pay out. Don’t risk losing your appeal on a technicality or by not having the right information available.
Working with a long term disability claims attorney to advise you and handle your claim gives you peace of mind, making the process easier on you during this difficult time.
Why Sokolove Law?
- For 30 years, Sokolove Law has helped people just like you get the legal support they need, regardless of race or income.
- Sokolove Law has helped people in all 50 states get the legal support they need to move successfully through our court system. We have helped thousands of people with their long term disability denial appeals.
- We provide a FREE case evaluation and you only pay us if you are successful in your appeal.