Disability insurance is designed to give you peace of mind when you are disabled and unable to work. It provides financial assistance when needed most. Long-term or short-term disability benefits replace from 60% to 85% of pre-disability income. Many people who apply for long-term or short-term disability benefits or have been receiving disability benefits are often unfairly denied benefits by the insurance companies. In a lot of our cases, the disability insurance companies denied legitimate claims from seriously ill individuals to maximize profits. Some of the denied claims included being totally disabled from working due depression, stress, and anxiety. If you are disabled and have been denied benefits, we can help.
We can also help you to evaluate whether your insurance company acted in bad faith. If your long-term or short-term disability claim is denied for unreasonable reasons, your insurance provider may be acting in bad faith. Examples of bad faith claims may include delayed payment without a justified reason for delay, settling your claim for less than what you are entitled to receive, and failing to reply to you in a timely manner when it comes to approving or denying your claim.