Fort Lauderdale Disability Insurance Attorneys

Helping Clients with Disability Insurance Claims in Florida

Dabdoub Law Firm represents individuals in Fort Lauderdale, Florida, who need help securing disability insurance benefits after an injury or illness prevents them from being able to work. With more than 20 years of experience focused exclusively on disability insurance law, our attorneys have the knowledge and reputation to handle every stage of your case—from filing an initial claim and appealing a denial or termination to negotiating with the insurance company and pursuing litigation when necessary.

Throughout our extensive practice history, we have dealt with every major insurance company for our clients with claims where ERISA or state law applies. Perhaps best of all, our law firm is capable of handling your claim at every stage of the process, meaning you never need to search elsewhere for more legal guidance as your case progresses.

We can help you manage insurance claims and lawsuits in Ft. Lauderdale related to:

• Long-term disability insurance: Provided by your employer and used when you cannot work for an extended period due to a qualifying injury or illness.
• Individual disability insurance: Purchased directly by you and may replace a portion of your income while you cannot work due to a disability.
• Short-term disability insurance: Used when you cannot work for a temporary or definite period due to a condition that may improve.
• Long-term care insurance: Covers the cost of daily living expenses and extended care.
• Life insurance: Provides death benefits to beneficiaries when the covered party passes away.
• AD&D insurance: Provides certain benefits following an accidental death or dismemberment, including loss of sight or hearing.

Call (800) 969-0488 to request a free initial consultation with our disability insurance lawyers in Fort Lauderdale.

Leave Every Step of Your Disability Claim to Us

Our Fort Lauderdale disability insurance attorneys are ready to help with all parts of your insurance claim, such as:

• Submitting a disability insurance claim: If you haven’t submitted your disability insurance claim yet because you don’t know where to start, don’t worry. We’re here to help you take that important first step.
• Managing an existing claim: If your claim is already pending, we can take over communications with the insurance company, respond to requests for information, monitor deadlines, and protect your benefits throughout the review process.
• Appealing denied or terminated claims: We regularly appeal disability claim denials and benefit terminations with major insurance companies. Our attorneys work to identify weaknesses in the insurer’s decision and build the strongest possible administrative appeal.
• Negotiating a lump-sum settlement: When appropriate, we negotiate directly with the insurance company to pursue reinstated benefits, past-due payments, or a lump-sum settlement. In many of our success story cases, we have successfully secured benefits or favorable settlements for our clients without the need for litigation.
• Filing a lawsuit against your disability insurance company: If the insurance company refuses to approve or properly pay your claim, our attorneys are prepared to pursue litigation under ERISA or applicable Florida law.
• Protecting approved benefits: Even after a claim is approved, insurers may continue reviewing the claim or attempt to terminate benefits. We can help you respond to ongoing requests and protect your right to continued payments.

Why So Many People Trust Our Disability Insurance Attorneys

At Dabdoub Law Firm, we have spent more than 20 years specializing in one thing exclusively: fighting for the rights of disabled workers whose insurance companies have made the claims process harder than it should be. 

That singular focus has produced results that speak for themselves. We have recovered more than $500 million for wrongfully denied claimants nationwide; we carry a 99% overall success rate; and we have gone up against every major disability insurance company operating in the United States. Whether you are filing your first claim or preparing to take your insurance company to court, our team has been through it all before, and we know what it takes to stand up to insurers of any size.

We believe we rise to the top when it comes to disability insurance claim law firms because of our:

• Exclusive focus on disability law: Every attorney, every resource, and every strategy at our firm is built around disability insurance and ERISA claims.
• Proven track record: With over $500 million recovered and a 99% success rate built over more than two decades, our results are a pattern that shows what we can accomplish.
• Coast-to-coast experience with national insurers: We have challenged every major insurance company that sells disability policies in the U.S., giving us an incredible understanding of their tactics and arguments.
• Full-service representation at every stage: From the initial claim submission all the way through federal court litigation, we handle every step of the process, so you never have to start over with a new attorney as your case evolves.

What to Do After You Are Denied Disability Insurance Benefits

A denial letter from your insurance company can feel like a door slamming shut, but it is important to understand that a denial is not the end of your options. The most important thing you can do after receiving a denial is to contact a disability insurance attorney right away because strict deadlines govern the appeals process, and missing them can permanently affect your rights.

After receiving a denial, here is what you should do:

• Contact Dabdoub Law Firm immediately: Call us as soon as possible so we can review your denial letter, identify the deadlines that apply to your case, and begin preparing your appeal strategy.
• Do not ignore the denial or assume it is final: A denial from your insurance company is not the last word. Many denied claims are successfully overturned on appeal or in litigation.
• Gather and preserve all relevant documents: Hold onto everything, such as your policy, your denial letter, any correspondence with the insurance company, and your medical records.
• Avoid communicating directly with your insurance company: Statements you make to an insurance adjuster can be used against you. Let us handle that communication on your behalf.

One of the main reasons our Ft. Lauderdale disability insurance benefits attorneys are called upon is disability claim denials. Honest professionals and workers across Florida are surprised each day to find they are not being provided the benefits they need and deserve. We fight to correct that.

We Help Disabled Professionals & Workers from All Occupations in Fort Lauderdale

Fort Lauderdale is one of South Florida's most economically diverse cities, and its professionals and workers come from a wide range of industries. A serious illness or injury can prevent anyone from performing the essential duties of their occupation. No matter where you work or what you do, a disabling condition does not discriminate. Our Fort Lauderdale disability insurance attorneys represent policyholders from diverse professional backgrounds and understand that every occupation presents different physical, cognitive, and technical demands.

Whether you are a physician, business owner, executive, skilled tradesperson, educator, first responder, or other working professional, we evaluate how your medical condition affects your specific job duties and ability to work.

We use that understanding to build a disability insurance claim that accurately reflects the demands of your occupation and the full impact of your condition.

We help disabled workers from all types of occupations and industries, such as:

• Aerospace and logistics
• Bank tellers
• Civil engineers
• Dentist or dental assistant
• Accountant and finance professional services
• Hospitality and tourism
• Lawyers
• Marine and maritime
• NFL players
• Physicians or surgeons
• Teachers
• Technology and IT

Does Your Disability Qualify You to Get Paid Benefits?

Many of our clients are not sure they qualify for disability benefits due to the nature of their disability. Our lawyers are well-versed in ERISA and disability insurance laws that apply under Florida law, so we can clearly explain your options to you.

Many medical conditions may qualify you for benefits, including but not limited to:

• Back pain
• Carpal tunnel
• Cancer
• Clubfoot
• Cognitive impairment
• Migraines
• Muscular dystrophy

What surprises many of our clients is just how broad the range of qualifying conditions is. The truth is that disability benefits are not reserved for catastrophic or permanent injuries alone. Many conditions that people live with and manage day to day, like chronic pain, mental health disorders, autoimmune diseases, and more, can form the basis of a valid disability claim, depending on how they affect your ability to perform the duties of your occupation and what type of policy coverage you have. 

If you were told by your employer or insurer that your condition does not qualify, or if you are simply not sure whether it is worth pursuing a claim, we encourage you to call us at (800) 969-0488 before drawing any conclusions. A conversation with our team is free, confidential, and could reveal options you did not know you had.

We Are Ready to Take On Any Insurance Company

One of the most important things to understand about disability insurance claims in Ft. Lauderdale is that many of them, particularly those involving employer-sponsored plans, are governed by a federal law called ERISA, the Employee Retirement Income Security Act. When an insurance company wrongfully denies or terminates benefits under an ERISA-governed plan and an appeal is exhausted, the next step may be to file a lawsuit in federal court. That is a significant legal undertaking that requires a team with specific experience in federal ERISA litigation, a thorough understanding of how these cases are built, and the resources to see them through. 

At Dabdoub Law Firm, we have that experience and those resources in excess. We have gone to federal court on behalf of our clients against every major disability insurer in the country, and we are fully prepared to do the same for you, regardless of how large or powerful your insurance company may be.

Major disability insurance companies operating in the Fort Lauderdale area that we have experience challenging include:

• Aetna
• CIGNA LINA
• Guardian Life Insurance Company
• Lincoln Financial Group
• MetLife
• Mutual of Omaha
• New York Life
• Prudential
• Reliance
• Sun Life Financial
• Hartford
• UNUM

Contact Our Disability Insurance Lawyers in Ft. Lauderdale Today

For decades, our disability insurance claim attorneys have been at the forefront of legal battles for the rights of disabled workers and professionals in Florida. We take personal pride in being there for people who need legal support after an insurance company has delayed or denied paying their disability benefits. We’d like to be there for you, too.

Contact our firm for a no-cost case evaluation with our Fort Lauderdale disability insurance attorneys.