 Insurance companies frequently delay or deny legitimate claims for disability insurance benefits by manipulating and distorting the facts. For example, insurance companies may conduct surveillance of claimant’s (usually video surveillance). Insurance companies will also require claimant’s to undergo an independent medical evaluation or IME exam. Another type of exam is called a functional capacity evaluation or FCE. These tests may violate the terms of your insurance policy and be unlawful under state and/or Federal laws.
It is important to know whether your insurance company has the right to force you to submit to these tests. A knowledgeable disability attorney can help you understand and know your rights. At Wagar Law, P.A., our insurance attorneys are qualified to represent people who are going through similar issues with their insurance companies. We can help clients with:
- Application or denial of disability insurance benefits;
- Filing a lawsuit to protect your rights and to recover benefits;
- Negotiate settlement agreements (e.g., lump sum, buyout) for clients who are currently receiving disability income.
If your insurance company has wrongfully delayed or denied paying your disability benefits, you may be entitled to recover damages. In order to do this, you must first gather all of the evidence and secure a qualified attorney. Most insurance policies require you to first submit a written appeal before you can file a lawsuit. If you are disabled, live in South Florida (Miami-Dade, Broward or Palm Beach County) and believe you have been denied total or partial disability benefits, contact us. We will help you understand your rights and we will fight for you.
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