 Insurance companies dedicate a lot of time, money and effort to find ways to better build their case for denying your disability benefits. They will conduct surveillance or demand you participate in an IME (short for "independent medical evaluations") or functional capacity evaluations (FCE) exam. Insurance providers will sometimes conduct themselves in a manner inconsistent with or in opposition to what's in your best interest using the terms of your policy to bully or intimidate an insured.
The South Florida disability and ERISA lawyers at Wagar Law firm have helped many clients with claims for individual disability insurance, group disability insurance and life insurance benefits. Through our South Florida office we can help clients throughout Miami-Dade, Broward and Palm Beach Counties as well as in Coral Springs, Fort Lauderdale, Hollywood, Boca Raton and West Palm Beach.
Our law firm's primary practice areas include:
- Individual Disability Insurance Plans
If you become ill, injured or disabled and your insurance company refuses to pay your insurance claims, you may be able to secure benefits and collect damages for a bad faith claim if you are able to prove your insurance company acted in bad faith or did not have a legitimate reason to deny your coverage.
- ERISA or Group Disability Insurance Plans
Group disability insurance is regulated by federal law under the Employment Retirement Income Security Act of 1974. This law is usually referred to as ERISA. This type of insurance is often obtained through your employer or membership in a group.
- Life Insurance
Insurance companies have been know to delay or deny claims for benefits for many reasons including fraud committed by the insurance policy holder which may consists of misrepresentations, intentional omissions or concealment of information at the time the application for insurance is submitted. Other tactics insurance companies use to delay or deny claims include changing the policy (called an amendment) after issuance. Your insurance company will most certainly terminate coverage should you fall behind and/or fail to pay your insurance premium.
Our knowledgeable attorneys understand disability insurance claims and disputes inside and out. Disability insurance representation is what we do, it's all we do. We also understand the life insurance claims process and insurance disputes can be both overwhelming and emotionally taxing, both on the insured and on their family and friends. We understand and are knowledgeable about the legal issues regarding ERISA, group disability, individual disability insurance and life insurance matters.
We deal with the day to day reality of ERISA regulations, insurance law and insurance litigation. As your attorneys, we will carefully review your personal situation and evaluate your case to determine the best course of action. We will also do all we can to help you better understand your legal situation and what can be done to get you back to living your life the way you want to ... on your terms not the insurance company's terms.
If you're looking to hire a Florida disability lawyer or ERISA attorney, contact us. If your insurance company is delaying or has denied paying your disability benefits claims or if you believe your claim for insurance benefits were wrongfully denied, contact us. You may be entitled to recover damages. We will fight for you. |
