Disability Insurance Denial Claims Lawyers in Fort Lauderdale, Florida

At Disability Insurance Law Group, our Fort Lauderdale attorneys know the devastating impact an insurance company denial letter has on our fellow Florida residents and policyholders across the nation. If you have a disabling condition that is not being acknowledged as such by the insurance company, your physical, emotional, and financial well-being are immediately in jeopardy.

Our Broward County disability insurance denial claim attorneys can help you understand why the carrier is disputing your claim, no matter where you live in the U.S., so you can file a persuasive appeal that affords you, and your health, a second chance at receiving the medical and financial benefits you are entitled to through your insurance coverage.

Contact us today to learn more about your legal rights and options to contest your disability insurance denial claim, so you can move forward with confidence.

Why is My Disability Insurance Claim Being Denied?

At Disability Insurance Law Group, we have over 50 combined years of experience representing clients across the nation in their disability, long-term care, health and life insurance benefit claims.

Unfortunately for some of those who seek our help, that also includes denied claims.

Some of the most common reasons disability insurance companies deny policyholder’s claims may include, but are not limited to:

• There is insufficient medical evidence and documentation.
• There is a missing doctor’s statement to support the disabling condition.
• The condition reported is not covered by the policy or is considered a pre-existing condition.
• The independent medical examiner disputes disability.
• The insurer uncovers adverse information during an investigation, including surveillance video recordings, and social media reviews.
• The insurance claim was not filed before the required deadline.

In many cases, the insurer will respond that the policyholder’s condition does not meet the policy’s “disability” guidelines. This is especially true in cases where the insured is covered by an employment policy. Employer-provided policies are often governed by the Employee Retirement Income Security Act of 1974 (ERISA).

ERISA typically favors the insurer, because there are no uniform definitions for disabled or totally disabled conditions. Each insurer defines the terms in its own way. This means your unique policy’s definition section may list different terms and conditions to meet the disability guidelines. In short, a disability insurance claims denial may come down to how your insurance provider interprets the terms of the policy. This is not fair to you, your family, or your future.

We understand what an insurance denial letter means to your overall well-being. Once you get past the shock and confusion of the denied claim, we can help you understand your legal options to appeal the denial.

How Can Disability Insurance Law Group Help With My Denied Claim?

The first step toward filing a successful disability appeal is understanding why the claim was denied. In some cases, the denial may be straightforward. In others, the language in the letter may be ambiguous, leaving you feeling as though you have no recourse.

No matter where you live or work in the U.S., you do not have to take the insurance company’s word for your disability insurance denial claim. Our attorneys will review the denial letter to learn why the insurance company is rejecting your claim, so we can directly address the issue(s).

This may mean rectifying technical issues — like missing forms or information — or compiling additional medical evidence and documentation supporting the existence of your condition.

When filing an appeal, it is important to assemble a strong argument, and precise, substantiating documentation within the required response time. Insurance disability claims denial deadlines are stringent — especially those associated with ERISA — and require a speedy and meticulous response.

At Disability Insurance Law Group, our team of experienced attorneys and support staff will provide the transparent resources you need to know we are in this appeal process together, no matter where you are located in the U.S. Here, we are genuinely concerned about the well-being of our clients and will do everything we can to pursue a successful appeal.

Contact our skilled disability insurance claims denial attorneys in Florida today by calling 954-989-9000 or contact us online to schedule a completely free and confidential case assessment, so we can put our over 50 years of combined experience to work for you.