Bad Faith and Breach of Contract in Private Disability Insurance Claims
If your insurance provider has unfairly denied your claim for disability coverage, don’t assume you can handle the problem yourself. Getting a knowledgeable attorney involved as early as possible is critical to giving yourself the best chance of overturning the denial.
From the initial denial of your claim, through the complex and frustrating appeals process outlined in your policy, we can help you gain control of the situation. As skilled disability lawyers, we know the insurance company’s games and strategies. We will efficiently guide you through the process to litigation to defend your rights to the compensation you deserve.
Private disability claims attorney Marc Whitehead aggressively fights unfair individual disability insurance denials, representing the sick and disabled across the U.S.
For a highly informative, free case evaluation about your claim, contact Marc Whitehead & Associates at 800-562-9830.
When individual disability claims are denied, policyholders typically file a lawsuit for one of two reasons: breach of contract or bad faith. If your insurance company has conspired to avoid paying benefits on legitimate private disability insurance claims, they may have engaged in bad faith insurance practices under state law.
Victims of insurance bad faith have far more resources than they realize.
If you believe your insurance provider wrongly denied your claim, you must not give up. A successful bad faith claim may allow you to recover several types of damages, or money amounts, from the insurance company. Litigation of private policies are held in state or federal court before a jury of your peers, and the laws that govern these claims vary by state.
Breach of Contract of a Private Disability Insurance Claim
Under a breach of contract claim, we will work to prove that the insurance provider fundamentally violated the insurance policy by failing to acknowledge your disability in accordance with the terms of the policy.
Breach of contract lawsuits are often focused on the language in the policy to establish what obligations each party had, and whether the parties met those obligations. We work to compel the insurance company to pay compensatory damages (the value for the actual denied benefits and any incidental damages.)
Bad Faith in Private Disability Insurance Claims
Did the insurance company breach the covenant of good faith and fair dealing by denying your claim? Did the insurer willfully act with the intent to cause harm, or intentionally ignore the risk of causing harm?
If there was no reasonable basis for the denial under the policy, the insurance company breached the insurance contract in an act of “bad faith.”
Verdicts of bad faith insurance may result in the award of monthly disability benefits, plus punitive damages, together with litigation costs and attorneys’ fees. The jury will consider the amount of harm caused, motive, and other factors of the case.
Our National Law Firm Confronts Insurance Companies Every Day
Marc Whitehead & Associates has built its reputation on assisting individuals with group and private disability insurance claim delays and denials. Our firm holds “big insurance” accountable to honor their promises.