Your Compassionate Jacksonville, FL Private Disability Insurance Law Firm

Taking out private disability insurance has various substantial advantages over other forms of coverage. One of the benefits is that private options provide better and more comprehensive protection compared to government programs.

Additionally, private disability insurance is more tailored to your specific. It can cover a higher percentage of your income and replace it in case you’re disabled and can’t work. This way, in case the unthinkable happens, you can maintain your standards of living and find it easier to meet your financial obligations.

One of the ways you customize your private disability insurance policy is to choose the waiting period before the benefits kick in. You can also align other factors, including the policy features, to make the policy more suitable for your budget and needs.

Private disability insurance is also highly portable. This means it remains in effect regardless of your employment status. The same can’t be said for employer-sponsored options. Its portability guarantees continuity and peace of mind, especially if you’re in the middle of a career transition.

Why Your Private Disability Insurance May Have Been Denied

Although private disability insurance has significant benefits, you can only enjoy them if your claim is approved. However, you may run into a stumbling block if your disability claims are denied.

There are legal protections that safeguard you from being exploited, but it is still possible for insurance companies to find reasons to deny your claim. Some of the common reasons insurance companies give include:

• Insufficient Medical Evidence:
  When submitting your claim, you will be expected to provide evidence to support your current medical condition and claim.
  It is essential to work closely with your healthcare provider and the private disability insurance lawyer to ensure you furnish the insurance company with test results, detailed medical records and treatment plans to convince the insurance company of your condition.
• Exclusions:
  The insurance company may imply that your condition falls under the exclusion policy. You need to review the policy with your lawyer and determine if the exclusion is being applied correctly.
• Pre-Existing Conditions:
  It’s essential to read the fine print of an insurance policy before signing. As a common private disability law standard, you should have a lawyer read through the document before signing. One of the reasons the insurance company can decline your claim is by citing that the condition existed before the policy started.
  You will need to provide evidence showing your condition worsened after the beginning of the coverage. Your disability insurance lawyer should be able to guide you on the evidence you need to collect.
• Not Meeting Deadlines:
  If you don’t meet the deadlines for submitting documentation or the claim, it may lead to the claim being denied altogether. The best way to avoid this is by acting quickly to ensure all applications and documents are sent on time.
• Disputing The Severity Of The Disability:
  The insurance company may also question the severity of the disability and imply that you can still perform your job or try another job. Medical evaluations and expert opinions should help to clear any doubt about the extent of your injuries, health condition or disability. If expert opinions are necessary, your private disability insurance lawyer can help you find the right ones.

Private Disability Insurance Attorney That Puts You First!

Has your private insurance disability claim been denied? CJ Henry Law Firm, PLLC in Jacksonville, FL, can help. We have vast experience in disability law and can help you get your private disability claim approved. Our combined experience in the legal and nursing fields gives us a unique perspective that helps us bring the two most valuable fields in private disability insurance to maximize your chances of success.

Beyond our legal skills, we understand the emotional turmoil that comes with private disability insurance claims and do our best to communicate effectively and help you understand your legal options to help you make informed decisions. If you’re looking for a private disability lawyer near me who takes each case personally and seriously, reach out to us at (352) 577-7746 and get started with a free consultation.