South Florida Long-term Disability Disputes
You had the foresight to purchase a private long-term disability policy to protect yourself and your family if you became permanently disabled and could no longer work. When that time came, you were relieved to know that you could use the benefits to pay your expenses. Now, the insurance company is denying your claim, and you are at a loss for what to do. The denial letter was a shock to your system, making an already challenging situation even worse.
Unfortunately, you are far from alone. Countless Florida residents have their claims denied and aren’t sure how they will provide for themselves and their families. Dyson Law PLLC tackles insurance companies in private long-term disability disputes for South Florida residents. We can help you through the appeal process so that you can finally receive the benefits the insurance company owes you.
Reasons Long-term Disability Claims Are Denied
Insurance companies deny claims for various reasons. These claims are often denied due to:
- Application errors
- Disagreement over the disability status
- Pre-existing medical conditions
- Breach of contract
- Bad faith
Even if the insurance company didn’t act in bad faith, you might be able to appeal the denial successfully.
BAD FAITH DENIALS
A surprising amount of Delray Beach private long-term disability claims are denied in bad faith. The insurance company realizes it has a legal obligation to approve the claim and pay the benefits. However, it sends a denial letter, hoping that the claimant will stop trying to receive the benefits. The insurance company includes a reason in the denial letter, but that reason doesn’t hold up to scrutiny.
Because there are so many bad faith denials, it’s crucial to have an attorney review your case. You might think that you cannot receive the benefits based on the letter. However, after further review, your attorney might discover that the insurance company’s denial was in bad faith, and you are owed the benefits. If the insurance company refuses to pay, the attorney can take the case to court.
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WHY CHOOSE DYSON LAW PLLC?
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Our Reputation Is The Proof!
Through our years of practice, our team at Dyson Law PLLC has been able to secure outstanding results for many individuals and families who have suffered harm as a result of negligent and wrongful conduct.
WHY YOU SHOULD HIRE A PRIVATE LONG-TERM DISABILITY DISPUTE ATTORNEY
Private long-term disability disputes are time-sensitive and complicated. If you miss the deadline or don’t provide the necessary evidence, your appeal will be denied. A Delray Beach private long-term disability dispute attorney will ensure that all deadlines are met and provide ample evidence to support your claim.
First, the attorney will review the insurance company’s denial letter. The letter should outline the reason that the claim was denied. Then, the attorney will gather the necessary documentation to fight this denial, including getting a medical opinion from the doctors treating you. Then the attorney will submit the appeal to the insurance company. If the insurance company persists, then your lawyer will take them to Court.
INDEPENDENT MEDICAL EXAMS
The insurance company might require that you undergo a medical exam as part of the appeal. The company will choose the provider to evaluate you and create a medical report. Your Delray Beach private long-term disability dispute attorney will receive a copy of the report. Getting an unfavorable report is not the end of the appeals process. If the report states that you are not disabled, your attorney will consult with your providers. Your doctors will help the attorney dispute the findings from the medical exam.
Insurance companies occasionally implement stalling tactics to delay paying claims. They hope that by continuing to delay the payout, the insured will eventually give up. Fortunately, a South Florida private long-term disability dispute lawyer can fight for your rights to receive timely benefits. Your attorney can expedite the process so you begin receiving your insurance benefits.