Claiming Long Term Disability Benefits
What is Disability Insurance?
If you have been disabled due to an injury or a current medical condition such as a stroke, you may be entitled to collect disability benefits from your employer’s disability carrier or your private carrier. Unfortunately, many legitimate claims for disability benefits have been denied by the disability insurance carriers. That’s when you need the lawyers of Edgar Snyder & Associates on your side. Our law firm will evaluate your disability insurance claim free of charge and advise you on your legal rights to collect disability benefits.
At our law firm, we have reviewed many legitimate disability cases which were denied by both private disability insurance companies or by employer-sponsored insurance plans. When disability insurance companies deny benefits to sick or disabled policy owners, the purpose of these denials is profit - the less the insurance companies pay out, the more profits they make.
Disability Insurance Legal Information
If you are unable to work, and are being denied benefits, you should have an attorney review your case. By having an attorney on your side, you will receive a legal opinion on your specific case. Our attorneys are trained to interpret the criteria set by the insurance companies for benefits. In many cases, people who are denied disability benefits at first often receive benefits after an attorney reviews their case.
Disabled workers who have been denied disability benefits can sue their insurance carrier under two provisions. It is important to note that these provisions vary from state to state:
Breach of Contract claims. This lawsuit claims that the disability insurance carrier did not provide the services or coverage that had been agreed to in the policy, or contract. This failure is evident in the company not paying the benefits to which the insured was entitled.
Bad Faith claims. This lawsuit claims that the disability insurance company did not act in good faith when determining that the insured was not eligible to receive benefits. An insurance company must fully investigate all circumstances and evidence surrounding a benefits claim. The company can not simply investigate avenues that would allow them not to pay a claim. In addition, if a claim for benefits is found to be viable, the disability insurance company should not attempt to settle the claim for less than it is determined to be worth. A lower settlement may also be grounds for a bad faith lawsuit.
UnumProvident Fined for Denying Disability Payments to Policyholders
UnumProvident, a Disability insurance carrier, was fined for denying disability benefit payments to policy holders. Read more about Unum Provident’s lawsuits.
Denied disability insurance benefits? Put our experience to work for you
If you are unable to work, and are being denied benefits, you should have one of our attorneys review the specifics of your case. Our attorneys are trained to interpret the criteria set by the insurance companies for benefits. In many cases, people who initially have been denied disability benefits often receive benefits after an attorney reviews their case.
Free Legal Evaluation
Are you unable to work due to an injury or illness? Have you been denied disability benefits by an insurance company? Contact our law firm today for a free legal evaluation of your disability claim. You can contact us by:
- Filling out a simple online form so we can evaluate your claim
- Calling toll free 1-866-867-9914. Our phones answer 24 hours a day/7 days a week
Our law firm will evaluate your claim free of charge and advise you on your legal rights to collect compensation. There is no obligation to use our services, and there is never a fee unless we get money for you.
