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You suffered an injury that has left you temporarily or permanently disabled, but thankfully, you paid for disability insurance just in case something like this ever happened. You filed your claim and are surprised that the insurance company denied the claim.
Perhaps the claim wasn’t denied, but instead, the insurance company is making you submit the same documents all over again or requesting that you see additional doctors. You may not even know your claim was denied because the response letter was vague and confusing.
If your disability insurance claim was denied or the insurer is delaying a resolution, you may be eligible to file a disability insurance lawsuit if you meet the qualifications. The Goldwater Law Firm has been helping injured clients for over 20 years. Our law firm partners can review your case and determine whether you have the right to pursue a lawsuit against your disability insurance provider. Call the Goldwater Law Firm today for a free case consultation. We can put you in touch with a disability insurance lawyer near you.
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Can You File a Disability Insurance Lawsuit?
To qualify for a disability insurance lawsuit against your insurance provider, three things must exist. You must have either a long-term or short-term disability insurance policy. Once your doctor established your disabling condition, you must have filed a valid claim for disability benefits against that policy. Your claim should have included medical records, work history, and other pertinent documents the insurance company requests. Finally, your claim was either denied or delayed, or the benefits you received were less than they should have been.
Your Case Must Also Meet These Criteria for Eligibility
In addition to those three criteria, there are also specific benchmarks you must meet to qualify for a disability insurance lawsuit:
Recent Denial of Your Claim
If you received a denial letter within the last six months, it may be time to contact an attorney to pursue legal action. This also includes any delays.
No Legal Representation
To pursue the lawsuit for your denied or delayed disability insurance, you must not be currently represented by an attorney.
Insurer Is a Listed Defendant
The insurance company providing the long-term or short-term disability coverage must be one of the following companies: Aetna, Allstate, Anthem, Unum, Hartford, MetLife, Prudential, Mutual of Omaha, Lincoln Financial Group, Guardian Life, Cigna, Liberty Mutual, Sun Life Financial, AIG, Berkshire, Broadspire, Boston Mutual, CNA, Colonial Life, Companion Life, Dearborn National, Great-West Life, HM Insurance Group, Illinois Mutual, Monarch Life, New York Life, Northwest Mutual, Ohio National Financial, Penn Mutual, Jackson, Sedgwick, or Trustmark.
If your company is listed above, our co-counsels may be able to assist.
Incomplete Appeal of Your Denied Claim
Whether you attempted to file an appeal or failed to, you may still be eligible to file a lawsuit. We can explain when you call for your free consultation.
Valid U.S. Identification
You must possess a valid Social Security number and reside within the United States to pursue compensation through a disability insurance lawsuit.
If you meet these requirements, our law firm partners could help you build your case and pursue the disability benefits you and your family need. However, you may be disqualified if you are currently incarcerated or the denial was based on clear policy exclusions.
To learn more, contact the Goldwater Law Firm today for your free case consultation.
Signs That You May Have Case
When insurance companies wrongly deny claims or use questionable tactics to delay or underpay claims, these are called bad faith practices. You may have experienced one or more of these bad faith practices:
- Emails and letters with vague or confusing language
- Demands to submit the same records, reports, and documents multiple times
- Inaccuracies or changes made regarding your job duties or medical condition
- Presenting photos or videos that question your disability
- Claiming your policy coverage is secondary to another policy or U.S. Veterans Affairs benefits
If the insurance company denies your claim, and you find the language in the denial letter to be overly complex and unclear, full of legal jargon, or referencing obscure and irrelevant policy exclusions, you may have a case.
To fully understand, contact the Goldwater Law Firm today.
Steps to Take to Prepare Your Disability Insurance Lawsuit
Even with all this information, you may still be uncertain if you have a case. That’s perfectly reasonable, and there are things you can do:
Request a Free Case Consultation
The Goldwater Law Firm provides clients with a free case consultation. During your consultation, our legal team will listen to your story and review the information you provide. We know you and your family are facing one of the most difficult challenges in your life, but we believe in treating you with respect. Your need for disability benefits is a paramount concern, and our co-counsels will treat it as such.
We have partnerships with some of the most widely recognized law firms in the United States and can recommend law firm partners who are best suited for your needs.
Preparing Your Disability Insurance Case
To help your attorney, you should start collecting all documentation related to your denied claim, such as:
- Your long-term or short-term policy details
- All correspondence with the insurance company, including denial letters
- Medical records related to your condition
When you speak with our law firm partners, the more comprehensive your file is, the better they will understand your case and fight back against a bad faith denial.
Learn More About Disability Insurance Lawsuit Eligibility Today
At the Goldwater Law Firm, we have seen big corporations and insurance companies take advantage of the injured for decades. It’s wrong, and we won’t stand for it. Our legal partners can help you fight back.
Contact the Goldwater Law Firm today and speak with our legal team. The consultation is always free, and our law firm partners work on contingency. Under a contingency fee agreement, you pay nothing unless they win. There is no financial risk to you.