Fighting Insurers That Deny Long-Term Disability Claims
Many professionals and business owners purchase expensive long-term disability insurance early in their careers in order to receive monthly benefits should they become ill or sustain injuries that keep them from working in their chosen specialties. Unfortunately, many discover that their disability insurance companies are quick to deny their legitimate claims.
Why Choose Us To Help You With Your Denied Claim
Scout Law Group represents skilled professionals whose long-term disability (LTD) claims are wrongfully denied. Since the 1990s, our lead attorneys have been handling denied long-term disability claims for professionals throughout the Phoenix metro area and across the state, including:
- Doctors and surgeons
- Dentists and orthodontists
- Professional athletes
- Other medical, financial, and specially trained professionals and business owners
If your insurance carrier has denied your claim, is needlessly delaying payments, or is acting in bad faith, we will fight for your rights. We will demand nothing less than a fair, thorough, and prompt investigation and payment of your claim, and help ensure that your disability insurance company is held accountable for the harm it has caused to you and your career.
Your Rights When Your Claim Is Denied In 'Bad Faith'
When an insurance carrier has acted in bad faith, it is not enough to simply pay you the benefits you are owed. You may have suffered financial ruin and emotional and mental anguish.
Reimbursement of your benefits is insufficient to make you whole again. This is why the law in Arizona recognizes a separate cause of action against disability insurance companies that treat their insureds unfairly or in bad faith.
You may be entitled to recover extra-contractual damages for pain, suffering, and loss of enjoyment of life, damage to credit reputation, and other injuries and damages caused by a wrongful refusal to honor your claim. In addition, a court can order the insurance company to pay your attorney costs and punitive damages in certain circumstances.
Do Not Be Deterred From Pursuing Your Claim
If you cannot perform the duties of your occupation due to illness or injury, do not let your insurance company intimidate you or make you compromise your entitlement to benefits.
At Scout Law Group, we have handled dozens of disability insurance claims. We have collected tens of millions of dollars in benefits and damages from insurance companies that refused to pay our clients.
Do I Have A Disability Claim?
At Scout Law Group, we are ready to help you determine what benefits you are owed and do everything reasonably possible to secure them for you.
There are several important factors to consider, including whether benefits pay to age 65 or for life, the true start date of a claim, when and how to complete your application for benefits correctly, how to identify acts of bad faith, and whether your policy is "own occupation" or "any occupation." Our goal is to help you understand all of these variables, and to aggressively pursue all possible remedies to get the maximum benefits to which you are entitled.
There are many issues involved in assessing and applying for benefits. If you are having difficulty working, please reach out and begin the process as soon as possible.
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Disability Insurance Frequently Asked Questions
What can a law firm do to help me if my long-term disability claim has been denied?
If you have been denied a long-term disability claim and believe it was done unfairly, a law firm may be able to help you by:
- Filing an appeal on your behalf
- Gathering and organizing evidence to support your claim
- Negotiating with the insurance company to try to resolve the dispute
- Representing you in court if necessary
How do I know if I have a strong case for a denied long-term disability claim?
Several factors can affect the strength of your case for a denied long-term disability claim. These may include:
- The specific terms of your disability insurance policy
- The amount and quality of evidence supporting your claim
- The credibility of your treating doctors and other professionals
- Whether the insurance company acted in bad faith by denying your claim
What can I expect if I hire a law firm to represent me in a denied long-term disability claim?
If you hire a law firm to represent you in a denied long-term disability claim, you can expect the following:
- A thorough review of your case
- A legal strategy tailored to your specific needs
- Representation in court, if necessary
- Regular updates on the progress of your case
- Advocacy for your rights and interests throughout the legal process