It is common to find stories about consumers committing insurance fraud, but you almost never hear about fraud on the part of insurers. Unfortunately, it can and does happen, leaving those who depend on their insurance without the coverage they purchased. Several...
Can strong medical evidence prevent a disability claim denial?
Many insurance companies that provide short-or-long-term disability coverage are notorious for denying valid claims. Sometimes, the claim denial might be an act of bad faith. Other times, the lack of supporting evidence can lead to a denied claim. Although disability...
How long of a delay in an insurance payout is reasonable?
Social Security disability programs and even insurance provided by your employer could be too low to really protect you from a disabling medical condition or unexpected injury. Those with families to support and who are used to earning an above-average income will...
Case Result: McDermott Law gets insurance company to pay long-term care benefits and more
McDermott Law recently helped a client settle a claim for insurance benefits against his mother’s long-term care insurance company. The facts of this claim were particularly egregious. In the early 1990s, the insurance company convinced our client’s mother to pay it...
Can your long-term disability (LTD) claim be terminated?
If you sustain an injury or suffer from a medical condition that prevents you from carrying on with your work for an extended time period, then you can approach your insurance carrier for long-term disability (LTD) benefits. This is an insurance scheme that provides...
A dismemberment claim can address more than just limbs
When many people consider an accidental death and dismemberment (AD&D) claim, they think about the loss of a limb. It is clear that someone who has lost a leg will have mobility issues or that someone who has lost an arm may not be able to work in their career....
How can you strengthen an appeal on a denied disability claim?
Unfortunately, not all insurance claims find success right away. Sometimes, the insurance company will deny a claim over form errors or accidental mistakes. Other times, claims are denied because of doubt over the claimant’s disability. If you receive a notice of...
Denied long-term disability claims
If you become ill and aren't able to work, you could qualify for disability insurance to cover bills and other household expenses. The insurance will cover a portion of your salary if you are ill or injured, but there are cases when your insurance provider will deny...
What is a disability according to long-term disability claims?
When Coloradans apply for long-term disability benefits, the issue of what is considered a disability will often come into play. The insurance carrier may deny the claim by saying that you are not really disabled. This decision is made on a case-by-case basis. A...
When denial of an LTD claim is bad faith
Disability in any form may incapacitate you in Denver, Colorado, but a mental health disability is harder to prove, especially if it is long-term. It is difficult for insurance companies to ascertain if someone with this kind of handicap is entitled to some benefits....