We have helped thousands of people fight wrongful denials.
Disability Insurance Benefits Basics
Fortunately, when a person buys an individual disability insurance policy directly from an insurance company, in most cases, the law helps experienced attorneys protect their clients’ rights. Most individual disability insurance cases can be fought over in court using state laws that favor the person with the policy over the insurance company, or at least provide a level playing field. If the insurance company does something really bad, some states even allow for the person who is wrongfully denied to sue for more than just the benefits, but to sue for bad faith and punitive damages. But those cases are not like more common lawsuits, and those cases can also be extremely complicated.
Attorneys who know about the inner workings of insurance companies, the rules of insurance law, regulations and contracts, all which can vary from state to state, can better represent their clients in court and obtain a favorable outcome.
How do I know if the disability insurance attorneys I hire can take on the really big insurance companies? Eric Buchanan & Associates is a boutique law firm, focusing primarily on disability insurance, ERISA insurance, and similar insurance, like life insurance claims. Because we are a boutique firm with a focused practice area, we have learned the ins and outs of disability insurance law, ERISA law, bad faith law, and insurance law. In fact, we have been so successful that some of our cases have resulted in the law improving to be more helpful for other disabled people who have to fight in court. You can see our list of cases here . Because we limit our practice to this specific area of the law, our team knows what it takes to take on the big insurance companies and win in the right cases. In fact, we have learned so much about the way the big disability insurance companies handle claims that we can help our clients present the best disability insurance claim possible, and if that claim is denied, we know what questions to ask in court and what to prove to help convince a judge or jury that the disability insurance company did not make a fair decision, and that benefits should be paid. Or, by showing the insurance company that we can prove that type of information in court, we can help our clients obtain a good settlement in the right cases.
When do I need the help of a disability insurance attorney? The most important time to hire a disability insurance attorney firm, like the disability team at Eric Buchanan & Associates, is before a disabled person sends in an appeal of a denial of the claim. Under most rules that apply, the best time to get an insurance company to change its mind, and the best way to have a better chance in court, is to ensure that the best evidence available is submitted to the insurance company before they make a decision on appeal.