Disability Claims Denials
When you submit a claim to your insurance company and your claim is denied, you should consider hiring an attorney with in-depth experience representing people just like you. Instead of outright denying your claim, maybe your insurance company delayed responding to your correspondence, phone calls, or your other attempts to reach them.
Wrongfully denying or delaying payment of disability claims is illegal. Nevada trial lawyer Matthew L. Sharp represents individuals who have been wronged by their insurance companies and can help ensure that you receive the full amount of money you are owed. To schedule a consultation with Mr. Sharp, please contact our law office today.
Wrongful Denials and Acts of Bad Faith
These are common tactics insurers use to avoid having to pay their customers. Paying a claim costs the company money. Some less-than-honest insurers would rather simply collect your premiums.
Most long-term disability insurance plans are governed by the guidelines of ERISA, the Employee Retirement Income Security Act of 1974. By law, the administrator of the insurance plan has the right to determine if you are or are not disabled. Sometimes, insurers hire their own doctors and nurses who may assert that your disability is not adequate to receive compensation, or they may refuse to pay you at all because they deny that you have a disability.
If your insurance company refuses to pay your claim, or if you were being paid but then the payments stopped, you have the right to appeal. If your insurer delays agreeing to pay you or continuously avoids your attempts to reach them, you again have the right to appeal.
Your best approach is to contact a disability insurance claims lawyer who has successfully helped clients in these situations and prompted the insurer to pay what they owe the claimant. Mr. Sharp is known for his success in representing clients at odds with their insurance companies.
Reasons Your Insurance Company May Give
The following are just some examples of reasons insurance companies often give policyholders for denying to pay their claims:
- The insurance company's doctors and nurses decide the policyholder doesn't have a valid disability
- Classifying injuries in categories that are deniable, that is, misclassifying your disability
- Claiming you have a pre-existing medical condition
- Contending you can work in some other occupation
- Saying your medical evidence is not credible
- Hiding benefits you should know about
Sometimes insurance companies don't even provide their policyholders with reasons for denials. In any case, an insurer must act in good faith when dealing with its customers. The insurer is said to be acting in bad faith when it deliberately violates the terms of a contract to avoid paying a claim.
If your disability claim has been denied or if you feel that you have been given the run around by your insurance company, you should contact Mr. Sharp for experienced legal help. He will evaluate your policy and will get you the money you are entitled to.
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