Life & Disability Insurance Claims
Life and disability insurance policies are needed at the most critical junctures of your life, which makes it all the more devastating when an insurer refuses to honor its contract. When an insurer denies a valid claim or unjustly delays payment, it is dealing with you in bad faith, which is a form of insurance fraud.
An insurance policy is a promise built on trust, and when an insurance company fails to live up to its end of the contract, it is a direct violation of your trust. Victims of these illegal practices are entitled to their full contractual benefits and may receive compensation in excess of their policy to punish insurance companies for acting in bad faith.
If you believe that your rightful life or disability claim has been unfairly delayed or denied, contact Tony Malley, Attorney at Law for help. Mr. Malley represents policyholders who have been treated unfairly by insurance companies and will act as your advocate so you can focus on other aspects of your life.
Bad Faith Insurance
Insurance is a business, and sometimes the business side of insurance can cause companies to deny claims that should be paid. The following are examples of bad faith practices:
- Unreasonable denials or short-changing benefits
- Intentional misinterpretation of legal terminology
- Improperly investigating or delaying the investigation of a claim
- Unreasonable delays in the payment of a claim
- Failure to inform policyholders of benefits to which they are entitled
- Retroactively altering a policy without the consent of the insured
Some insurance companies will argue that a person is not really disabled or will deny a claim based on the argument that the doctor failed to use the exact language for disability. In other cases, the insurance company might claim that they don't cover your specific type of disability. For instance, the insurance company might claim that it doesn't cover disabilities that are caused by workplace accidents.
In other cases, disability coverage might not start until a person has been disabled for 3 months or might delay payments if they don't receive proper wage information.
What an Attorney Can Do For You
If you are dealing with an unfair denial of a life or disability insurance claim, Mr. Malley can help you navigate the system quickly and efficiently. He will make sure you provide all the necessary paperwork (e.g. death certificates, wage information, medical reports, etc.) so there aren't any unnecessary delays.
Mr. Malley recognizes that you have a lot to deal with and may not have the energy or the time to get through the process on your own. As a result, he will fill out the paperwork for you and guide you through the entire process. He will explain all your rights and options and will keep you well informed throughout the way.
Losing a loved one or sustaining a serious injury is overwhelming and difficult enough. You should not have to deal with unfair practices or unanswered questions. If you need help with collecting life or disability benefits, please contact Mr. Malley for help today. Find out if he is the right life and disability insurance claim attorney for you.