Disability Insurance Claim
Disability insurance policies are extremely important to families, and are often among the most confusing.
With dozens of different forms and types of policies, it's essential that you hire an attorney that has the skill and intellect to understand what is covered, what is not, and how to properly value the loss in your particular case. Because there are so many different types of policies, insurance companies employ numerous different techniques to deny claims.
We strongly encourage you to consult with one of our attorneys, at no cost, before agreeing to any resolution of your disability claim. Otherwise, you may find yourself struggling with questions such as whether your disability is "total," or "residual," and over what period of time the disability will persist according to the insurer.
Insurance companies frequently use this language and metric to improperly reduce the amount you and your family should receive under the contract. The insurance company never has an incentive to pay you the most amount you are due under the policy. Allow the experts at Daly & Black, P.C. to help navigate these waters with you. Why? Well, for example, some policies allow the insured to recover more than lost income, and it's important to hire an attorney that fully understands the potential avenues of recovery in each and every case.
Our lawyers know how these policies work, and how insurance companies try to reduce their exposure to your claim. Another example -- policies often allow recovery of business overhead expense, but few lawyers know or pursue this avenue of recovery for their clients.
Don't settle for the common coverage, or allow an insurance company to play games with your livelihood after disaster strikes. Once your insurer has you start the long, and often-arduous process, of filling out claimant statement forms, filling out physician statement forms, IME's, recorded statements, field interviews, and myriad document requests, they are often laying the groundwork to tell you "no."
Get good advice on the front end, and throughout the process, to make sure your claim is handled the right way, so you and your family can get back to life as normal.