Insight Into Private Disability Insurance Claims
If you have purchased and paid for a private disability insurance policy, you expect the insurance company to honor it if you become disabled. Unfortunately, some disability insurance companies fail to live up to their promises and TV advertisements.
An insurer may deny a claim based upon an honest disagreement over the extent of a disability or an error in a medical record. But it may also deny a claim in “bad faith,” where no genuine dispute exists, simply because it wishes to keep claim costs low and premium income high. Whatever the reason, without experienced legal representation on your side it may be difficult to get the insurance company to budge. You need an experienced attorney to get the benefits you have paid for.
Roboostoff & Kalkin is a disability insurance law firm dedicated to advocating the rights of the disabled. We are responsive to our clients’ needs and effective against our adversaries. We have the experience to help you resolve your claim.
Contact us for a free consultation with an attorney, not a paralegal or an intake clerk.
Successful Legal Strategies
Some of the major reasons private insurers deny disability claims are that either the claimant’s symptoms are not severe enough to prevent her from working, or the medical records do not support the claim. Our attorneys will carefully review the facts in your case to develop the best strategy to get your benefits paid. For example, we can advise you as to how to best prepare a disability questionnaire or prepare for an interview. We can work with your doctors to ensure they adequately explain how your symptoms affect your ability to do your job. We then can use this evidence to prepare a strong and convincing case.
Whatever your situation, the longer you wait to get legal help, the more difficult it may become to obtain a successful outcome. Get legal help today.
Bad Faith Insurance Claims
Unlike ERISA-governed claims where your rights are severely limited, a privately purchased disability insurance policy gives you the right to a jury trial, as well as the ability to sue for damages for emotional distress if your claim is denied in bad faith. If your insurer’s conduct is particularly egregious, you may be entitled to punitive damages.
Roboostoff & Kalkin will aggressively represent you at all stages of the legal process. We want to help you get the disability benefits you deserve.