Your Assertive Duval County, FL Private Disability Insurance Attorney

Tired of getting the run around from your insurance company? Let us help you get your claim approved.

Your ability to earn is a valuable asset to you and your family. You want to make sure that no matter what happens, you can still take care of yourself and your family. One of the ways you can make sure of this is by taking out a private disability insurance policy. While this is an excellent cover, when it comes to the claim, the insurance company might try to flip the tables on you.

It is not unheard of for insurance companies to act in bad faith and try to deny valid claims. They can do this by not investigating your claim correctly, delaying payment or paying an amount that is substantially lower than what you’re entitled to. Unfortunately, most people don’t take the time to read the fine print of the policy or understand the extensive jargon used.

At CJ Henry Law Firm PLLC, we experienced in helping families get their private disability insurance claims approved and ensuring they get the payout they deserve. With our help, you can understand your policy document better and detect when the insurance company isn’t playing fair.

Types Of Private Disability Insurance

Private Disability Insurance Lawyer Duval County Florida

Before taking out a private disability insurance policy, you should evaluate the different options available and work towards finding the right one for you. Some of the types of private disability insurance options available include:

Short-term Disability Policies: These have a waiting period of 0-14 days, and their maximum benefit period is no longer than two years.
Long-term Disability Policies: With this type of policy, the waiting period is several weeks and sometimes months. They have a maximum benefit period that varies from a few years to the rest of your life.
Noncancelable Policies: With noncancelable insurance, the only time the insurance company can cancel your policy is if premiums are not paid. The upside to this policy is you can renew it each year without increasing your premiums or reducing the benefits.
Guaranteed Renewable Policies: This type of policy allows you to renew it with the same benefits without cancellation by the insurer. However, the insurer reserves the right to increase the premiums if they increase for other policyholders as well.

Understanding these types of policies allows you to choose options that suit you best. You should also consider engaging a private disability insurance lawyer to help you review the policy document and review the terms to ensure the policy is favorable for you.

How To Prevail In Your Private Disability Insurance Claim

Insurance companies have various requirements for different disability claims. Meeting these requirements provides you with better chances of a positive outcome, although these are not guaranteed.

Some of the things you’re expected to do by the insurance company for your disability claim to be considered include:

You must be able to prove the cause of your disability. This could be through an injury or illness which you suffered.
You should also prove that because of the disability, you’re unable to perform your work. For this, your disability insurance lawyer may recommend medically imposed restrictions and limitations. Your primary healthcare provider must also impose an order to show that you cannot continue working.

The private disability insurance claim forms require knowledgeable and special attention. When filling out the forms, you must ensure the information is complete, relevant and accurate. Mistakes could delay the claim or make it hard to maximize your payout.

Call For A Free Consultation(352) 577-7746

When Should You Hire A Private Disability Insurance Lawyer

Like many legal fields, private insurance disability law is complex and vast. Working with an attorney who specializes in this field gives you the best chances of a positive outcome. There are four main instances when you should consider working with a private disability insurance lawyer:

When you are applying for your private disability insurance benefits
When you want to maintain a claim approval
When appealing after your disability benefits claim has been denied
When considering suing the insurance company after they deny your appeal

In each of these instances, having an attorney who understands private disability insurance law goes a long way, ensuring paperwork is filled correctly, and you have everything required to proceed with the next step of your claim.

Start Working On Your Benefits Today!

Let us help you take on the big insurance companies and get your benefits.

Are you tired of insurance companies trying to delay your claims or lowballing you? It’s time to fight back, and at the CJ Henry Law Firm PLLC, we have the experience and skills to help you win that fight.

We know it takes sacrifice to keep up with your premiums, and the last thing you want is your insurer trying to wiggle their way out of paying your benefits. As a leading disability insurance lawyer in Duval County, FL, we can help you prepare your claim, file appeals if the claim is denied and, where necessary, take the insurer to court.

Don’t let your insurance company take you in circles. Reach out to us at (352) 577-7746 for a free consultation, and together, we can chart the best way forward to getting you your benefits!