 The South Florida disability attorneys at Wagar Law, P.A. represent clients in cases involving the Employee Retirement Income Security Act of 1974 (ERISA). Clients frequently have questions about our law firm and the process of hiring an attorney to represent them in a disability or ERISA lawsuit. What follows are several frequently asked questions we hear often. If you would like additional information or have any other questions, please contact us. Initial consultations are free.
Frequently Asked Questions about South Florida Attorneys Wagar Law, P.A.
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1. What legal services does the Wagar Law firm provide?
Our law firm specializes in the following practice areas:
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.
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2. When should I contact your law firm to hire a lawyer?
If you or someone you love is disabled and you believe your disability or life insurance benefits are being wrongfully delayed or denied, you should consider contacting an attorney right away. It's best to seek legal advice as early as possible. Your initial (confidential) consultation is free. We may be able to help you quickly resolve disputes with your insurance provider.
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3. What is the advantage of having an attorney represent me now rather than later?
Your first meeting, whether by phone or in person, does not cost you anything. Its free. If you think you may have a problem, why wait to seek legal advice? Your insurance company may feel emboldened to delay or deny your benefits if it thinks you are not properly represented by an attorney who knows disability and ERISA law. We know ERISA law. ERISA is our specialty. It's all we do. It's also important to remember that an ERISA lawsuit may restrict or limit evidence that can be brought before the court. This is usually limited to the claims file or administrative record from your insurance provider. Well qualified disability attorneys can assist you in presenting your case in the best possible light, giving you a better chance at a positive outcome.
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4. Do I have a valid case?
The only way for us to properly answer that question is to meet with you and to discuss your case in depth. We will also review medical and insurance records and anything else we believe will be helpful at determining the validity of your claim. In order to proceed, we will need the following information: your insurance policy; any medical records that address your disability as well as all letters, emails, and correspondences between you and your insurance company. Should your case have merit, we will aggressively act without hesitation to protect your rights. This means either filing an appeal with the insurance provider or filing a lawsuit in state or Federal court.
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5. I don’t have money for a lawyer. How can I cover my legal costs?
We are a plaintiffs only law firm which means we only represent people ... never insurance companies. We take disability and life insurance cases on a contingency fee basis. This means that we only receive payment should you prevail. We advance the costs necessary to bring your case to court and we will fight for you to have your disability benefits restored. Beyond that, feel free to speak with one of our attorneys who will be happy to provide you with additional information about our fee agreements and/or payment arrangements.
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