Disability Insurance Claims
The insurance industry sells piece of mind. People buy insurance hoping that they will never need it, that their lives will be free of the calamities that trigger a claim. But when tragedy strikes – when a person is disabled and can no longer work and support his or her family – the protection is supposed to kick in.
But what happens when it doesn't? What if the insurance company will not pay? Or what if it delays the claim process to such an extent that a desperate insured is willing to settle for pennies on the dollar?
Insurance companies rely on certain standard defenses to most disability insurance claims, including:
- Material misrepresentation in the application;
- Misrepresentations about prior medical conditions;
- Malingering;
- Refusing to take a job in "any occupation" even if it is not the same occupation that the insured had before the disability;
- Disability resulting from a violation of the law;
- Lack of sufficient medical documentation of disability.
Rutter & Russin has successfully challenged disability claim denials by the biggest companies in the business. We have represented doctors, lawyers, insurance agents, and professional athletes. Now let us help you. Click here for a sample of representative disability insurance cases.