Areas of Practice
Disability Insurance Claims
When your disability benefits coverage has been refused or cut off, this can have devastating consequences for you and your family.
The reason this disability claim coverage is purchased is so that, in your time of need, you have an income. Dealing with a personal injury, illness or disease is stressful enough. The last thing you need is a problem with your insurance disability claim.
Unfortunately, in many cases, the insurance company will deny disability benefits coverage in circumstances where it is simply not appropriate. You need to speak to a lawyer.
If you believe you have been wrongly denied disability benefits under your claim policy, please contact us.
You need to speak to one of our lawyers for the following reasons:
Time limits apply:
When an insurance company has refused to pay, there is a time limit on your ability to make a claim for your disability benefits. If you have not settled your benefits claim within that time limit or if you have not started a lawsuit to preserve your right to make a benefits claim beyond the time limit, you may be forever barred from getting your benefits paid. Time limits are not the same for every policy and that is why it is essential to get legal advice to know what time limits apply in your circumstances.
A lawyer at Hanson Wirsig Matheos can legally interpret the policy:
Every policy of insurance is a contract that must be read and reviewed to determine what it covers. Some aspects of a disability claim policy include the terms of disability; waiting or elimination periods; the definitions, including disability, claim, sickness, pre-existing condition, etc.; and subrogation rights to list a few.
A lawyer Hanson Wirsig Matheos can legally interpret the medical evidence:
We have years of experience in reading and reviewing medical reports and can use these reports to prove to the insurance company that you are entitled to disability benefits under the policy.
A lawyer Hanson Wirsig Matheos can help you get your benefits:
When you make a claim for benefits under the disability policy, it is your assertion that you are disabled within the meaning of the policy. The claim may relate to total disability or partial disability. The claim may relate to disability to perform your "own occupation," or to perform "any occupation." All of these terms, "total disability," "partial disability," "own occupation" and "any occupation," are governed by the precise words of the policy.