Disability Insurance Disputes

Disability insurance is a product sold by insurance companies to provide replacement income if a person is forced to stay off work for a period of time due to sickness or an accident. There are various types of disability insurance, such as private policies sold through agents, policies sold through banks to cover loan payments while you are under a disability, and group disability insurance plans provided by many employers as part of a benefit plan.

Regardless of the type of plan, there are three very important features that are common to all of them. First, there is always a qualifying period before the benefits can start, which will be defined in the policy. This can vary anywhere from a week to several months, depending upon the individual plan. Second, "disability" is always very carefully defined within such plans, and may not include all of the circumstances that you may expect. Third, most disability insurance policies contain a change of definition of disability after a period of time (usually two years). This "change of definition" requires a person to be disabled from performing the usual duties of his or her own occupation for the first two years and to be totally disabled from any occupation they are reasonably suited for after two years.

Insurance companies often take a very restrictive contractual view of what constitutes a disability, and force their policy holders to fight for benefits. Many people give up because they feel they can't win such a fight. However, nothing could be further from the truth. These battles can often be won with the appropriate legal assistance. Our experienced lawyers can guide you in successfully pursuing a claim.