If you are a victim of a wrongfully denied AIG disability insurance claim, we may be able to help. Don’t accept or give up on a rejected claim without talking to us first.
Marc Whitehead & Associates has helped hundreds of claimants fight back to win their rightful LTD insurance benefits. Our experienced legal team can help you in every aspect of your AIG claim, from application to appealing a denial, or a lawsuit in federal or state court.
A History of AIG Disability Insurance Claim Denial Tactics
You may be trying to understand the unreasonable nature of AIG’s denial of your claim.
This insurer’s delay and denial practices often include poor customer care, designed to obstruct and frustrate your efforts so much that you give up, or convince you that you can’t win. Other tactics extend into bad faith insurance practices, involving intent and egregious behavior.
For example, delay tactics include
- Simply not responding to your questions or correspondence
- “Losing” applications and records
- Unreasonably cumbersome paperwork demands
- Not giving the treating physician the information they need to complete their statement
- Each time you call, they tell you your claim is in review and someone will be in touch soon.
AIG disability insurance claim denial may be based on unfair claim handling such as:
- Denying initial claims without proper review
- Wrongly claiming your impairment is not covered under your policy
- Use of surveillance to create evidence that you are not disabled
- Basing denial on a broad statement that your claim has “insufficient medical evidence” to support your diagnosis – despite extensive reports from doctors and specialists stating clear evidence of disabling conditions and symptoms
- Basing denial on the “independent” medical exam performed by AIG’s in-house or contracted doctor.
About AIG Disability Insurance Company
AIG stands for American International Group, Inc. It is one of the world’s largest insurance companies. Their long term disability insurance market is just one slice of their business. AIG is also commonly referred to as American General Life Insurance Company.
AIG sells group disability policies for both employer-funded and employee-paid plans. You may be familiar with your group policy under AIG’s trademarked label, “AIG Employee Benefit Solutions.”
Most all disputes of AIG’s group LTD policies fall under strict federal ERISA regulations, where claimants’ rights are limited and AIG basically has nothing to lose. In-depth knowledge of ERISA law and the insurance industry is paramount when dealing with group disability denials.
AIG also sells policies through professional associations and organizations, such as the AMA for doctors and physicians. These are generally not under ERISA regulation.
This works in your favor, because many of these AIG disability insurance claims legally fall under the realm of state contract and insurance laws that actually help protect consumers.
Association policies are generally labeled as “AIG’s Group Benefits Affinity Solutions.”
Know the differences in disability insurance laws and how they affect your claim.
Your AIG group disability policy may be underwritten by AIG subsidiaries, including:
- American General Life Insurance Company of Delaware (AGL)
- American General Life Insurance Company (for all states except NY)
- The United States Life Insurance Company in the City of New York (all states)
- National Union Fire Insurance Company of Pittsburgh, PA (all states)
A Look at AIG’s Past
Evolving since 1919, AIG has grown through the acquisition of companies such as The Franklin Life Insurance Company, Sun America, Travel Guard and American General Corporation.
Recall the financial crisis of 2008. The company itself had gotten into deep financial trouble. This came as the result of risky practices such as selling high-risk products that used cash from people’s insurance policies.
Known as the “AIG bailout,” the U.S. government provided unprecedented financial support to this massive company. The Federal Reserve gave AIG an $85 billion, two-year loan to prevent its collapse and subsequent strain on the global economy.
Following that came more bail-out funds finally reaching about $182 billion – only to be inflamed by scandals of extravagant bonuses paid to certain employees. Various SEC fraud investigations and lawsuits were brought against AIG.
AIG has since restructured and repaid its loan to the government. Today this vast company markets insurance-related products and services around the globe.
Changing Our Clients Lives
Since 1992, Marc Whitehead & Associates has been helping people win their battles of wrongful denials against the world’s most powerful insurance companies.
We can help you in all matters of AIG disability insurance claim denial, underpayments, excessive delays or unfair termination of disability payments. If you are preparing to file a claim with AIG, we can help you through the entire process.
Call us today. We understand this is a frustrating and difficult time, and promise to make it as easy for you as possible.
Ask Us About Your Claim Today.
If you were denied long term disability benefits, Social Security Disability or Veterans’ Disability Compensation, we are prepared to help you now. 1-800-562-9830