Long-term disability insurance is something that workers are entitled to, should they suffer injuries or develop serious illnesses that prevent them from working. Unfortunately, many insurance companies fall short when it comes to making it easy for injured or ill workers to collect the money that they are entitled to.
The process of filing for disability insurance can be daunting and overwhelming, but even those who fill out the proper paperwork and file legitimate claims are sometimes wrongfully denied the money they are owed. In many cases, insurance companies will wrongfully deny or delay payments to policyholders, thinking that they won’t push the issue.
If you are denied long-term disability benefits, or if your payments are being delayed, you may be able to seek help from an insurance claims attorney. It is important to remember that insurance companies are required to act in good faith when dealing with policyholders. If an insurance company fails to pay a legitimate claim or fails to pay out the full amount, it may be found guilty of acting in bad faith.
Examples of bad faith practices include:
- Failure to provide a legitimate reason for denying a claim.
- Failure to pay out the full amount on a claim.
- Wrongfully delaying payments.
- Giving policyholders the run around when they call to find out what is going on with their payments.
- Changing the terms of a policy without consenting with the policyholder.
- Terminating a policy without consenting with the policyholder.
- Terminating a policy after a claim is filed.
If you believe that your insurance company has acted in bad faith by failing to hold up its end of the contract, you can seek help from a qualified insurance claims attorney at Baron, Herskowitz, and Cohen. We represent individuals and families in Miami, Florida in disability insurance claims. To learn more, contact us today.