Did The Insurance Company Decide You Were Not Really Disabled?
In our experience, people do not want to acknowledge that they are disabled. Most people prefer to believe that they can keep working in the same jobs and living the same lives they are accustomed to. But disability does happen — and that's why many cautious people buy disability insurance.
To have the disability insurance company deny what you know to be true is an attack on one of our most fundamental abilities - our belief that we can provide for ourselves and our family. At the Girardi | Keese law firm, our attorneys represent clients who have been denied the disability insurance they paid for and that they now need.
When doctors and patients agree, why does the insurance company disagree?
It costs money to pay benefits, but that's the business of insurance. Disability insurance companies are there to provide peace of mind. They assure potential policyholders that if the worst happens, if they are disabled, the insurance company will be there with promised benefits.
When they collect premiums, they know and accept the risks.
Insurance is all about dealing with risks. Disability insurance companies, if they are good at what they do, understand the risks. They agree in the policy to accept the risks on behalf of the policyholder.
They have another obligation, too: Insurance companies are in an unequal relationship with the person who bought the disability insurance policy. The law recognizes that inequality. The insurance company needs to clearly explain the meanings hidden in the fine print and the complex wording of the policy.
The trial lawyers at Girardi | Keese have handled insurance disputes for more than 40 years. We handle all litigation on a contingency basis. Contact us for a consultation about disability insurance benefits denial. We represent clients throughout California.
