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Most people will choose to ensure valuable assets like jewelry, cars and homes, but they will often overlook the necessity of ensuring their most important asset – namely their ability to work so that they can earn the income necessary to buy these other tangible items. These days, it is increasingly the case that executives and professionals like lawyers, doctors and architects, who have spent years learning and perfecting their profession, are choosing to purchase long-term disability income insurance from private insurers.
This coverage will help to replace at least part of their income in the event that they become disabled and are unable to earn a living to support themselves and their family. The only problem comes when it is time to actually make a claim after you become permanently or temporarily disabled. Frequently, insurers are often very reluctant to fulfill their end of the bargain.
The premiums paid for this kind of private disability income insurance is very much on the high side, which is hardly surprising given that the potential payout by the insurance company can amount to millions of dollars. As a consequence, insurance companies are particularly concerned about claims made on long-term disability income policies and are likely to give them much more attention and scrutiny than the average claim might receive.
In fact, it’s well known that many insurers will choose to immediately deny such claims. Their strategy is to wait and see whether the policyholder will decide to dispute this result or simply accept the decision of the company. Other insurers will decide to delay any payment on the claim while they carry out an investigation of the insured individuals daily life and activities.
Insurers may even want the policyholder to submit to multiple medical exams, some of which can be invasive and even dangerous. For many insurance companies, the starting assumption seems to be that any seemingly injured or sick policyholder who makes a claim is actually attempting to commit insurance fraud. If you find yourself in this position, it can be extremely disconcerting.
A Record of Success
On a daily basis at the DLTS Law Offices, we find ourselves working with individuals who have had their legitimate long-term disability income insurance claims denied, undervalued, delayed or mishandled for entirely invalid reasons. This happens because insurers are far more concerned about protecting their company’s bottom line than they are about protecting the interests of their policyholders.
For these policyholders, this situation can create a sense of powerlessness. They may be reluctant to begin what could be a lengthy administrative and legal battle with a huge insurance company that has almost unlimited resources at its command. Such a confrontation is made even more difficult for them when they are already dealing with the emotional and physical trauma brought about by the accident or illness that interfered with their ability to work in the first place.
We at DLTS Law Offices make every effort to help our clients protect themselves and their families – and their standard of living – by making sure that their insurance company is compelled to live up to the terms of the long-term disability policy you signed and paid for over the years. We have long been recognized as leaders in this field because of our ability to relentlessly pursue disability benefits and damages for our clients
We are proud to carry out this work for income insurance policyholders in the state of California and throughout the nation. When we take up your case, we will conduct a comprehensive examination of the terms contained in your long-term disability insurance policy and will consult with both vocational and medical experts to analyze and understand the particulars of your specific disability.
Our highly experienced team of attorneys have the knowledge, resources and drive to assemble the best possible case for you. You can have peace of mind knowing that – just as the attorneys for the insurance company are exerting themselves on its behalf – you have your own team applying their skills on your behalf.
Feel free to contact our DLTS disability income claim attorneys about your claim. Don’t hesitate to ask us any questions you might have about long-term disability insurance claims. Our Phoenix area firm welcomes any inquiries from California and from across the United States.