Denying Your Claim Means More Money for the Insurance Companies
Insurance companies are only profitable if they take in more money in
premiums than they pay out in claims. Thus, it makes sense that a claims
adjuster has an incentive to deny as many claims as possible. Numerous
investigations have proven that claims adjusters are often trained to
find a reason to deny a claim as most policyholders do not know their
rights and will accept the insurance company’s denial.
The following sections provide answers to commonly asked questions about
dealing with insurance companies:
WylieLaw Stands Up to the Insurance Companies
WylieLaw specializes in own-occupation, private disability policy insurance
claims, yet we handle cases involving insurance coverage claims of all
kinds. The experts at WylieLaw know how to read and interpret the small
print of insurance policies and have a proven track record for making
insurance companies pay their policyholders what they rightfully deserve.
To read more about insurance cases won by WylieLaw, go to Decisions
Get Help Before It’s Too Late
In many cases, it is important to consult with an attorney before
submitting a claim. The attorneys at WylieLaw have specific and extensive
experience in disability insurance and can offer sound legal advice on
how to properly submit claim forms in order to avoid denial of benefits,
often saving clients thousands of dollars and innumerable headaches caused
by dealing with uncooperative insurance companies. If you have a question
about your rights as a policyholder or have a disability policy and are
going to file a claim, contact WylieLaw.
- After being approved and paying out disability benefits for a number
of years, a claim was transferred from the insurance company (Equitable)
to a third party administrator (Disability Management Services or DMS).
DMS requested the claimant submit to a Functional Capacity Evaluation
(FCE) which could have been used to terminate the disability benefits.
By understanding current law and knowing how to read the policy fine
print, WylieLaw was able to have our client avoid the FCE and ensure
that he continued to receive his monthly disability benefits.
- A dentist was diagnosed with various muscular diseases that made it
impossible for him to stand or sit in the positions necessary to practice
dentistry. The insurance company denied his total disability claim
stating the dentist had two jobs: dentist and office administrator.
The insurance company agreed that the dentist was disabled from dentistry,
but argued that he was not disabled from being an office administrator.
WylieLaw sued the insurance company in Federal Court and proved that
the dentist had one occupation, general dentistry, and was totally disabled
from that occupation resulting in back pay of all past due benefits
and reinstatement of disability claim benefits.
- An individual was receiving disability benefits for four years. The
insurance policy stated that after five years, the definition of disability
would change. The insurance company offered the policyholder a buyout
of the policy for a lump sum payment. WylieLaw reviewed the policy,
advised our client of his rights and entered into negotiations with
the insurance company settling the matter for a much larger lump sum
- An individual, diagnosed with leukemia, was told by his insurance
company that his coverage did not provide for certain medications and
had other restrictions. WylieLaw reviewed the insurance policy and
found ambiguous terms and coverage discrepancies, which were subsequently
communicated to the insurer. The result: additional coverage for expensive
medication and an extension of health insurance for a period significantly
longer than the company had previously agreed.