Disability Policy DenialsLong Term disability policies are purchased with the expectation that individuals will be provided financial compensation in the event they are unable to work due to a disability, injury or illness. The consequences can be devastating when an insurance company wrongfully refuses to pay the benefits when a valid claim is made. Insurance companies are required to undertake a thorough and unbiased review of each claim. When an insurance company fails to fairly evaluate a claim, or requires the insured to take unreasonable steps to verify a claim, the company has breached its obligation of good faith and fair dealing which is implied in every insurance contract. You may have a claim for insurance bad faith if this has happened to you. Damages for insurance bad faith can include payment of the benefits due to you, emotional distress damages, attorney's fees and even punitive damages. If you believe your insurance claim has been improperly denied you should immediately contact an attorney. Some disputes may be able to be resolved with just a phone call or letter. However, in many cases aggressive litigation is required to make sure you get the benefits you paid for and to hold the insurance company accountable. At Ernst Law Group, ALC we have years of experience fighting insurance companies. We have been very successful and know how to win. Please call our office if you would like to discuss your potential case.
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