The one thing most people do not expect after years of paying premiums for insurance to ensure you can make it through hard times is having your legitimate claim be denied by your insurer.  The unfortunate reality is that insurance companies often deny fair claims.

When an insurance claim is denied, managing the fallout can be overwhelming for you and your loved ones. If your claim has been denied, you will want to discuss your options with a lawyer who can handle taking on the large insurance companies.  Our lawyers have years of experience dealing with insurance companies and will fight hard to make sure you get a fair deal.

Long Term Disability

Proving a disability claim, no matter how legitimate, can be difficult.  Insurance companies may deny your claim for a number of reasons, sometimes for no other reason than to support their bottom line.  Insurance companies may use medical evidence and policy restrictions to avoid payouts. They may go so far as to monitor your social media accounts or hiring private eyes for evidence of misrepresentation. Disputing an insurance denial can be difficult because of the restrictions listed in the policy and the complicated legal issues that can arise out of your insurance contract.

Timelines matter for disability claims.  There are often time limitations in place in your insurance contract that will prevent you from taking legal action after receiving a policy denial.  It is important to move quickly when looking for legal advice.

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Critical Illness

If your critical illness insurance claim is denied, your family’s financial security becomes a distraction when you should be focusing on your health.  Critical claims are denied for various reasons. Most commonly the insurance company will argue that there was a misrepresentation on the insurance application.  These arguments often include complicated legal language, exclusions, and restrictions in the policy.  We can explain the issues to you in plain language that you understand.

Critical illness claims are often denied while the insured are still recovering from their illness, leading to added stress and trauma. Speaking with a lawyer can give you peace of mind and insight into your options.

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Life Insurance

Your legitimate life insurance claim can be denied for many reasons, mostly surrounding technical language and restrictions in the policy. Having a lawyer on your side can help you navigate the complexities of insurance denial.

We will deal with the insurance company and fight for your right to compensation. We will be mindful of your individual situation and work as quickly and efficiently as possible to ensure your insurance denial is revisited and reversed.

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