Professional disability insurance claims are costly for insurance companies to honor. There is a great deal of incentive for insurance companies to deny high-profile claims. Also known as individual disability income (IDI) insurance, professional disability policies are generally written for individuals in certain occupations that generate income over $100,000 a year. CFOs, CEOs, physicians, dentists, lawyers, …
Erisa Category
Individual Disability Denials
Many professionals purchase individual disability insurance (IDI) policies to provide significant income protection in the event disability strikes. IDI provides the most benefits in most claims situations, giving you peace of mind and financial shelter when serious illness or injury leaves you unable to work. You’ve gotten where you are now by conducting yourself equitably and professionally …
Group Disability Claim Denial – ERISA Appeal
There’s a lot at stake. You are disabled and you can’t work. All you did was request the disability benefits you’re due under your employee benefits plan. But the insurance company has wrongfully denied your claim. What do you do? The attorneys at Marc Whitehead & Associates want you to succeed in appealing your group …
Deceptive Trade Practices Act Violations in Disability Claims
Typically known as Unfair or Deceptive Trade Practices Act (DTPA), states may enact their own version of consumer protection law that covers individual disability insurance policies. DTPA protects consumers and the public against false, misleading, and deceptive business practices, unconscionable actions, and breaches of warranty, and gives the consumer an efficient way to secure such …
Denials of Employer Sponsored Life Insurance Benefits
Each year, countless families are needlessly denied life insurance benefits under policies provided by a deceased loved-one’s employer. When life insurance is part of an employee group benefit plan, a denied claim can be further complicated by a federal law known as ERISA — the Employee Retirement Income Security Act. Unfortunately, ERISA laws gives insurance …
The Key to Winning ERISA-based Disability Claims
This article explains the ways we help our clients win benefits in their ERISA-based disability claims.
In the video above, we explain how ERISA law makes gaining disability insurance benefits extremely difficult for claimants who are covered by employer-sponsored group insurance plans. But there are ways to get the benefits you deserve, even when your claim is denied.
Disability Income And Erisa
How Disability Income and ERISA Laws Affect You A disabling injury or medical condition changes your life drastically. There is so much at stake when your claim for disability is denied. The reality is, many insurance companies resort to foul play to avoid paying benefits, and yet they are protected by ERISA laws. ERISA Laws …
Disability Insurance Lawyers
Many insurance companies have become masters at denying legitimate claims for disability benefits. These powerful corporations are supposed to deal honestly and fairly with their policyholders and it is our job as disability insurance lawyers to ensure that they do. How can insurance companies get away with unfair denial of benefits? Part of the answer is due to regulations …
Appealing ERISA Disability Claims
ERISA Disability Claim Denial Has your claim for long term disability been rejected (or terminated) by your insurance company? If this is your situation, do not lose hope. If you worked for a company that provided a group disability policy for its employees, we can help you. While insurance companies repeatedly reject claims, this does …
Erisa Rules
If your claim for long-term disability benefits under an ERISA-governed employee benefit plan was denied, you have the right to appeal the denial. However, federal ERISA rules are strict and tend to favor the insurance company, thereby making it even harder on a disabled claimant to pursue benefits. Here are six critical points you must …