A Private Disability Insurance Attorney You Can Trust In Lake City, FL

When your insurance is elusive and fails to provide you with the coverage you need, Attorney Claudeth Henry is prepared to advocate on your behalf as a trusted legal representative.

Every day, countless individuals across the country rely on private disability insurance to protect themselves and their families in the event that they are injured or fall ill. Private disability insurance acts as a sort of safety net that is put in place to protect and supplement your income if you are injured and unable to work. Generally, these plans are meant to offer peace of mind to the policyholder, but it is not uncommon to experience difficulties and complications when it comes time to file a claim and put your insurance to work.

When you invest in a personal disability insurance policy, you are counting on your investment to come through for you when you need it most to support both you and your family. However, the unfortunate truth is that many of these policies are sold through brokers, meaning that there can often be confusing terms, stipulations, and exclusions to your insurance policy. Privately purchased plans are often far more complex, and many policyholders fail to identify the gaps in their coverage until it is too late.

If you are struggling to receive answers and adequate coverage from your private disability insurance policy, it may be time to enlist the aid of an experienced private disability insurance attorney in Lake City, FL. Working with a local attorney who is experienced in Florida law and understands the nuances of private disability insurance can help you tremendously with navigating the claims process, appealing denials, and even pursuing litigation if necessary.

The Most Common Challenges Of Private Disability Insurance

CJ Henry Law Firm, PLLC | Disability Insurance Attorney In Lake City, FL

Since private disability insurance is often purchased through brokers, it is not uncommon for the terms of your policy to be far more complicated and limited than those of a standard group policy. You may notice that your broker failed to comprehensively explain the full extent of your coverage, and some of the terms of your policy are very intricately worded and difficult to understand.

This is just one of a number of challenges faced by private insurance policyholders trying to file a claim. There are a number of factors that often cause difficulties in filing claims and receiving coverage. If you are experiencing any of these issues, you would be wise to contact a private disability insurance attorney who can help you to navigate the situation properly and effectively. Some of these challenges include:

Complicated Terms & Exclusions: There are a number of complicated terms that often appear in private disability insurance policies, such as the “own occupation” vs. “any occupation” definition of disability. These two categories are used to define your capacity to work, and make an enormous difference in the claims process. Many terms are often left unexplained by brokers, leading to considerable difficulties in the future.
Short-Term vs. Long-Term Coverage Gaps: Many private long-term disability policies are known to have waiting periods that may disqualify you from receiving the full compensation you are owed for your disability. Private policies are also commonly far less generous than many assume, making it difficult for policyholders to keep up with living expenses in Lake City, FL.
Deceptive Business Practices: Oftentimes, private insurers will be more aggressive about denying your claims and come up with creative ways of limiting the coverage that you receive. It is not out of the ordinary that your insurance company will attempt to delay your claims, lowball your settlement, or create confusing terms that downplay your policy’s exclusions and mislead you about the extent of your coverage.

There are a plethora of complications that you may face when it comes time to file a private disability claim in Lake City, FL. For this reason, it is crucial to work with a private disability insurance attorney who can review the terms of your case and help you to fight back against elusive and deceptive insurance companies.

Attorney Claudeth Henry brings over 25 years of experience to the table, drawing from a unique background in both law and nursing. Fully prepared to interpret your medical reports, validate expert testimonies in a trial, and increase the benefits you receive, the team at CJ Henry Law are standing by to provide you with practical, actionable legal solutions.

Call For A Free Consultation(352) 577-7746

CJ Henry Law Firm: Advocating On Behalf Of Clients In Lake City, FL

Are you struggling to receive the support that you need from your private disability insurance? CJ Henry Law Firm is waiting to take your case!

Are you in need of a private disability insurance attorney in Lake City, FL who will fight on your behalf to win you the compensation you deserve for your disability? Attorney Claudeth Henry and the dedicated team at CJ Henry Law Firm are standing by to take your call and guide you toward maximizing your settlement. Don’t allow yourself to be sold short by your insurance company, contact us to get started today at (352) 577-7746.