Securing Your Benefits
If you are a medical, legal or business professional facing a disability claim, the stakes are incredibly high. From the insurance company’s perspective, the moment you file your claim, you become a million-dollar-plus liability for them. And for you, it is not just about the money—your lifestyle, your home, your family and loved ones’ well-being are all on the line. You have one shot to make your case, and if you misstep and your claim is denied, challenging a denial typically requires years of costly and stressful litigation, all the while you are not earning an income and not receiving benefits.
Most of the time, a professional facing a potentially disabling condition first reaches out to the agent/financial advisor who sold them their policy. They are encouraged when their agent tells them they are going to get paid. They don’t consider that their agents, who are generally only trained to market and sell policies, do not have an understanding of the law or what the claims process may entail. Or that, no matter how well-meaning their agent is, their insurer is not going to pay the claim simply because the agent says it is good claim.
This misconception then lures them into a false sense of security, which results in a lack of preparation and a reliance on the insurance company (who has diametrically opposed financial interests) to tell them what to do. This, in turns, leaves them particularly vulnerable to bad faith tactics and/or making missteps that allow their insurer to deny or limit their benefits under provisions of their policies that they didn’t even know existed.
While those who are unfamiliar with the process may say that you do not need an attorney until your claim is denied, at that point it may be too late to remedy your mistakes or revive the claim. It is therefore critical that you learn how your policy and the claims process work before filing, so that you do not inadvertently prejudice your ability to collect under your policy.
While other disability lawyers are reactive to claim denials and insurers’ bad faith tactics, we prefer to be proactive. We prefer to work with our clients from the very outset, ideally before an insurance claim is even filed, so that we can be at their side to advise and represent our clients through the entire claim.