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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 insurance company did not believe its own insured when he told them that the drugs he was taking for his cancer treatment caused so much fatigue that he could no longer work as many hours as he used to, or earn as much money. The company argued that the treatment was successful and that his business had decreased for other reasons, such as the faltering economy, and denied his claim in its entirety. A federal lawsuit filed by Rutter & Russin established that the insured's loss of business was due to his health problems, and not any other causes, which lead to payment of the claim.


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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