Disability Insurance Denial

Disability policies which you have been paying on for years with the expectation of collecting coverage need to be honored by the insurance companies. You expect the insurance companies to honor your disability claim. It is a fact that the insurance company handling your disability insurance claim is not on your side. The insurance companies will do everything imaginable to discredit your disability claim, ask for voluminous documentation and Independent Medical Evaluations, continuing to hound you your entire life on disability coverage.

Many policyholders have heard the same excuses as to why their claims have been denied. Excuses have ranged from failing to receive documentation on time, failing to receive medical reports; ailment is not a covered disability and more.

Disability insurance companies have historically refused benefits to policyholders Or, the insurance company may allege that the pain is not severe enough to prevent the employee from working. Recent studies have proven them wrong, yet benefits are still often initially denied and require an attorney's assistance to recover them.

Professional disability insurers have been found liable for denying coverage on claims brought by disabled professionals. In the 1970s and 1980s some of these insurers grossly oversold disability policies to younger professionals, anticipating that few claims would mount from this low risk population. However as the policyholders aged and professionals became disabled, the claims mounted steadily. Some of the companies decided to cope by unfairly denying claims to cut their losses.

Bad faith claims are basically a breach of the insurance contract, when insurers use non-legitimate reasons to deny claims. Insurers have a duty to the insured to examine claims in good faith and use fair dealing when evaluating claims. To act in bad faith requires the insurer to engage in unfair dealing not just a mistake. Most lawsuits involve action against an insured's own insurance company, and arise in situations where the insurance company unfairly and without proper cause, fails to compensate the insured for a loss covered by the policy, or unreasonably delays making payments due under the policy.

If you must go on disability, or are even thinking about it, there is help available if you can find it - you will need advice on the many aspects with the disability claim. UNUM-Denial.com has been developed to provide you all the information and resources you need to know how to receive the benefits you have paid for. To find out if you have a case, contact Miller & Curtis for further information or a free case assessment.

Learn More...

To see if you have a case, click here

HELPFUL LINKS: