Life and Disability Insurance Claims
Life and Disability insurance is just as important as your home and automobile insurance, yet a lot of people choose not to purchase it. Life and disability insurance isn’t required like auto insurance or home insurance is required by the lender. However, having insurance to protect your family in the event of a debilitating injury or death is just as important.
If someone asked you about the most important thing in your life, the chances are that you would respond with one thing at the top of your list: Your family.
People purchase life insurance to protect their family in the event of an untimely death, so that the family does not have to deal with an overwhelming financial burden. Life insurance claims seem like they should be easy with no hassle from your insurance company.
However, just like in a homeowner’s or business claim, insurance companies will seek reasons to delay payment of life insurance benefits, or may try to deny the claim altogether. These reasons may include:
- Assertion by the insurance company of unpaid premiums
- Insurance company asserting that there was a misrepresentation or false statement in the application
- Assertion that drug and/or alcohol use precludes coverage
- Assertion of an exclusion of a particular cause of death in the policy
- Assertion of an exclusion due to illness
If a loved one has passed away, the last thing you want to deal with is the life insurance company placing unnecessary hurdles in front of your claim for the benefits purchased. If you have a life insurance claim that is being unfairly denied or delayed, you need an attorney who is experienced in handling such claims on your side.
Douglas Dieker has nearly twenty years of experience handling life insurance claims and he is there to offer assistance to you in your time of need. Call Douglas F. Dieker, P.C. today.
Another form of insurance that most people don’t think about is disability insurance. Simply put, disability insurance is insurance that covers you in the event of a debilitating injury or illness that precludes you from working and making a living. It is designed to protect your family and your assets in the event you are unable to work due to injury or illness.
According to the U.S. Department of Social Security Administration, 1 in 4 workers aged 20 will become disabled prior to their retirement age. In addition, according to the U.S. Census Bureau, 37 million Americans are classified as disabled, with nearly 50% of those between the ages of 18 and 64.
Your Insurance Company May Try to Deny Your Claim
If you have purchased disability insurance and have become disabled and need to make a claim to your insurance company, you expect the coverage you have purchased. However, many insurance companies are especially skeptical of disability claims, even though they have charged a premium and issued a disability insurance policy.
Disability claims are often deliberately delayed by the insurance company, or denied outright with the hope the claimant will accept the insurance company’s “position” and not pursue the claim.
Don’t Fight Your Insurance Company Alone — Contact Douglas F. Dieker, P.C. Today
If you have suffered a disability and have attempted to make a claim, only to hit a stone wall in the insurance company’s response, your best option is to contact a qualified, knowledgeable attorney to pursue your claim for benefits, as well as extra-contractual benefits for the insurance company’s bad faith conduct.
At Douglas F. Dieker, P.C., we understand the trying times you are going through, especially when you have to deal with your insurance company’s unreasonable delay or denial of your disability claim. Because of this, Doug personally consults with each client and develops a case plan specifically with the client’s needs in mind. Contact Douglas F. Dieker, P. C. today if you are having problems with your disability claim, for a free, no-hassle consultation.