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Fighting for Those Who Cannot Fight for Themselves

The insurance industry sells peace of mind. People buy disability insurance hoping that they will never need it; that their lives will be free of the calamities that may trigger a claim. When tragedy strikes and 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 feels forced to settle for pennies on the dollar?

Why insurance companies commonly deny disability insurance claims

Insurance companies rely on certain standard defenses to deny 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
  • Pre-existing condition exclusions

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.

The insured-doctor’s health problems—primarily arthritis—were wearing him down. He cut back on his practice areas and hours, but continued to work. He never thought of submitting a disability claim because he was still working 40 hours a week, even though he had previously worked 60-80 hours per week and was no longer doing the most lucrative part of his practice. Finally, he decided to sell his practice and retire, and submitted a claim for total disability (TD) with his long-time insurer. The insurer dragged out the claim process for several years, asking for more and more documents, tests, and statements. When the doctor could not wait any longer, he sold his practice and the insurer then decided he was not TD, but had voluntarily retired. It took years of litigation, but we forced the insurer to the bargaining table and worked out a fair settlement for the doctor.


The attorneys of Rutter & Russin have successfully fought the biggest insurance companies in the business on behalf of policyholders unfairly denied their disability insurance benefits. Contact us today for a free consultation.

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