Florida Disability Insurance Claims
We are a healthcare/professional disability insurance law firm with a national reputation for obtaining successful results for our clients. Our firm has represented physicians, dentists, lawyers, executives and other professionals throughout the country, with the goal of securing and protecting their entitlement to benefits on own-occupation disability insurance policies.
We consult with physicians, dentists, attorneys and business executives filing disability claims throughout Florida, including the Jacksonville, Miami, Tampa, and Orlando areas. If you’d like to discuss your particular claim with our attorneys, we are happy to set up a free consultation.
Below are some resources for policyholders filing disability insurance claims in Florida. If you would like to learn more about the disability claim process or insurance bad faith in other states, please visit our homepage.
Does Florida Recognize Insurance Bad Faith?
Florida recognizes bad faith claims as an important means to hold insurance companies accountable for bad actions. As explained by the Supreme Court of Florida, “[b]ad faith law was designed to protect insureds who have paid their premiums and who have fulfilled their contractual obligations by cooperating fully with the insurer in the resolution of claims.” Berges v. Infinity Ins. Co., 896 So. 2d 665, 682-83 (Fla. 2004). The insurer has an obligation to “act in good faith in the investigation, handling, and settling of claims brought against the insured” and bad faith “hold[s] insurers accountable for failing to fulfill their obligations.” Id.
The case excerpts above are not meant to be a comprehensive discussion of each state’s first-party bad faith or disability insurance law. They are merely meant to act as a resource/starting point for those interested in learning more about how insurance bad faith works in their state.
You should always speak with an attorney before making any legal arguments relating to your disability claim.
Notable Florida Disability Insurance Cases
Parsley v. Great-West Life & Annuity Ins. Co., No. 22-60800-CIV-SINGHAL (S.D. Fla. June 29, 2022) (Florida dentist with end-stage kidney failure was denied benefits and later challenged the denial in court; the court determined that that Great-West’s final denial was the date of appeal denial and held that the lawsuit was not timely filed).
McPhee v. The Paul Revere Life Ins. Co., 883 So. 2d 364, (Fla. Dist. Ct. App. 2004) (chief executive office of a manufacturing company filed for disability; Paul Revere/Unum disputed whether he was “regularly engaged” in an occupation at the time of disability; the appellate court determined that the policy language was ambiguous and ruled in McPhee’s favor).
Paul Revere Life Ins. Co. v. Klock, 169 So. 2d 493 (Fla. Dist. Ct. App. 1964) (dentist filed a disability claim and Paul Revere/Unum disputed whether he could recover business overhead expense (BOE) benefits; court determined that the dentist could not recover benefits for a timeframe that he had sublet his office to a physician).
Common Disability Claim Questions
Florida Federal District Court Locations
Professional disability claims are often filed in, or removed to, Federal Court given the amounts in controversy. Below is a list of the primary Federal Courthouses in Florida, but there may be satellite courthouses that are closer to where you live.
Jacksonville. Bryan Simpson United States Courthouse, 300 N. Hogan Street, Jacksonville, FL 32202.
Orlando. George C. Young Federal Annex Courthouse, 401 W. Central Boulevard, Orlando, FL 32801.
Tampa. Sam M. Gibbons United States Courthouse, 801 N. Florida Avenue, Tampa, FL 33602.
Tallahassee. 111 N. Adams Street, Tallahassee, FL 32301.
Miami. Wilkie D. Ferguson, Jr. U.S. Courthouse, 400 N. Miami Avenue, Miami, FL 33128.
Fort Lauderdale. U.S. Federal Building and Courthouse, 299 E. Broward Boulevard, #108, Fort Lauderdale, FL 33301.
Who Do Your Disability Insurance Attorneys Represent?
The lists below provide a representative overview of the types of professionals we represent, the disability companies we file claims with and litigate against, and a non-exhaustive list of some of the disabling conditions our prior clients have had.
Anesthesiologists | Attorneys | Cardiologists | Chief Medical Directors | Chiropractors | Commercial Real Estate Brokers | Corporate Executives | Emergency Medicine | Endodontists | Gastroenterologists | General Dentists | Gynecologists | Internal Medicine | Neurologists | Neurosurgeons | Obstetricians | Ophthalmologists | Oral Surgeons | Orthodontists | Orthopedic Surgeons | Otolaryngologists | Physical Therapists | Podiatrists | Professional Athletes | Prosthodontists | Psychiatrists | Psychologists | Pulmonologists | Radiation Oncologists | Radiologists | Rheumatologists | Veterinarians
Disability Insurance Companies
Aetna | AIG | Allstate | Anthem | American General | Ameritas | Berkshire Insurance Group | Boston Mutual | Cigna/LINA | Colonial Life | Connecticut General | Davies Life & Health/Disability Management Services, Inc. | Disability Reinsurance Management | First Unum | Fortis | Great West | Guardian Life | Hartford | Jefferson | John Hancock | Liberty Mutual | Lloyd’s of London | Mass Casualty | Mass Mutual | MetLife | Monarch | Mutual of Omaha | National Life of Vermont | New York Life | New England Life | Northwestern Mutual Life | Ohio National | Paul Revere | Penn Mutual | Phoenix Life Insurance | Principal Life | Provident | Prudential | Reassurance America | Reliance | Reliance Standard | Sedgwick | Standard | Sun Life | The Equitable Life | Transamerica | Trustmark | Trustmark Disability Advisors | Union Central | Unum | UnumProvident
Aneurysms | Anxiety/Panic Attacks | Angina Pectoris/Ischemia | Arthritis (Osteo, Psoriatic, Rheumatoid) | Atrial Fibrillation (AF) | Autoimmune Disorders | Bipolar Disorder | Brachial Plexus Injuries | Bulging Discs (Cervical/Lumbar) | Bursitis | Cancer | Carpal Tunnel Syndrome (CTS) | Cervical/Neck Pain | Crohn’s Disease/IBD | Complex Regional Pain Syndrome | Congestive Heart Failure | Coronary Artery Disease | Deep Vein Thrombosis (DVT) | Degenerative Disc Disease (DDD) | Dislocated Elbow/Shoulder | Dislocated Hip/Hip Replacement | Epstein-Barr Virus (EBV) | Essential Tremors | Focal Dystonia | Ganglion Cysts | Glaucoma | Hand/Arm Pain – NOS | Head Trauma/Cognitive Difficulties | Hearing Loss | Herniated Discs (Cervical/Lumbar) | Ligament Tears | Long-Haul COVID | Lumbar/Back Pain | Lyme Disease | Major Depressive Disorder (MDD) | Macular Degeneration | Meniere’s Disease | Migraines | Multiple Sclerosis (MS) | Musculoskeletal Disorders | Myasthenia Gravis (MG) | Myelopathy (Cervical/Lumbar) | Myofascial Pain Syndrome | Nerve Impingement/Entrapment | Neuroma | Orthostatic Hypertension/Hypotension | Osteoarthritis | Paresthesia/Dysesthesia | Parkinson’s Disease | Posterior Tibial Tendon Dysfunction | Post-Traumatic Stress Disorder (PTSD) | Posterior Tibial Tendon Dysfunction | Posterior Vitreous Detachment (PVD) | Radiculopathy (Cervical/Lumbar) | Repetitive Stress Injuries | Retinal Detachment/Floaters | Rotator Cuff Injury/Tears | Sciatica | Scoliosis | Serotonin Syndrome | Shoulder/Back/Neck Pain – NOS | Sleep Apnea | Spondylolisthesis | Spondylosis | Stenosis (Spinal/Foraminal) | Stroke | Thoracic Outlet Syndrome (TOS) | Traumatic Injuries | Tumors | Ulnar Neuropathy | Vertigo/BPPV | Visual Impairment
The information provided above is offered purely for informational purposes. It is not intended to create or promote an attorney-client relationship, and does not constitute and should not be relied upon as legal advice.
Every claim is unique and the discussion above is only a limited summary of information that may be relevant to your claim. An experienced disability insurance attorney can help you assess your particular disability claim, or potential disability claim, and determine what options are available to you.