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 in business, and you expect your insurance company to do the same. You’ve paid your premiums on the condition that your insurer will pay the coverage as contracted.
When the insurance company wrongly and without proper cause, fails to honor their contract with you, they are acting in bad faith. We can help you fight insurers who do not deal with you honestly.
Was Your Individual Disability Insurance Claim Denied?
If you have filed your disability claim and received a decision of denial, you need help from an experienced lawyer. Our law firm can help you take powerful legal action.
Marc Whitehead & Associates works directly with individuals nationwide to protect disability benefits and prosecute bad faith denials and terminations of long term disability insurance claims.
Why Insurers Deny Disability Insurance Claims
Every claim the insurance company denies implies significant profit for them. Dollar wise, IDI claim amounts are considerable. From the insurer’s standpoint, even if they end up in a court battle, even if they are forced to pay damages, it is to their economic benefit to deny good claims in bad faith.
If an insurer is looking at 200 valid individual disability insurance claims to pay on, and they are successful at denying 150 of them, that equates to millions of dollars they do not have to pay. They would much rather risk being challenged by denying the claim, stonewalling the policy owner, or otherwise significantly underpaying or shortening the benefit coverage they have to pay out.
How To Fight a Denied IDI Claim
Your individual disability insurance policy is regulated by state law. The most common claims against the insurance carrier are breach of contract and bad faith.
If you purchased an IDI policy and your claim is denied, the burden of proof is the same as a civil trial. This means you must show you are disabled by the preponderance of the evidence. You are allowed a jury trial, and may fully engage in evidence and discovery. This is in fact the area of law in which we focus and excel.
We are a Disability Law Firm and Represent Clients in All 50 States
When we become involved, insurance companies take the claim very seriously. They know our insurance attorneys will hold them accountable for the amount of the IDI claim, bad faith practices, and any loss and punitive damages that can be brought against them.
Bringing in a knowledgeable attorney means the insurer will have to justify its actions. If it is necessary to sue an insurer for bad faith, we can often settle the case before or at the time of trial.
We have seen an alarming barrage of abusive practices by insurance companies over the years. With so much at stake, you need an attorney who knows how to successfully fight the major insurance corporations and their teams of lawyers. It takes a track record of winning these cases over and over again. Get help today by calling 800-562-9830.