Disability Insurance Lawyers for Lexington-Fayette Claimants
When you need to file a long-term disability (LTD) insurance claim, Dabdoub Law Firm has the expertise to help. The firm has always specialized only on disability insurance, representing people who become disabled. Our lawyers represent people across the United States.
Long-term disability insurance coverage is usually provided to people as part of their full-time employment through an employer-provided policy. This remains true in Lexington-Fayette, where most people with LTD insurance get it through their work. Some of the largest employers in the region who might employ you are the University of Kentucky, Fayette County Public Schools, KentuckyOne Health, and Xerox.
Insurance companies like to stake claims in growing and stable commercial marketplaces. Lexington-Fayette is one such market in Kentucky. As a result, you can usually expect to get an ERISA-governed LTD insurance benefits package from recognizable insurers, such as UNUM, MetLife, and Prudential.
People who work independently as contractors or self-employed entrepreneurs, such as nurses, surgeons, and more sometimes purchase their own individual disability insurance policy from major insurers like UNUM, AXA Equitable, The Standard, and Guardian.
Tactics Used to Deny LTD Insurance Claims
Because of our focus on disability insurance only, we have seen every tactic insurance companies use to delay or deny valid claims for disability benefits.
Your disability company may be requesting more and more information. It might seem that no matter how much you provide, the requests never end. Some of the requests may seem intrusive or irrelevant to whether you are disabled from working.
Insurance companies also like to rely heavily on their own doctors and give less weight to the disability claimant’s physicians. At a minimum, your medical records will be reviewed. Chances are your claim will be denied if the reviewing doctor gives an opinion that you are not disabled.
Another tactic used to deny a disability claim is sending the disability claimant to what is called an IME, or independent medical examination. This examination, however, is not truly independent since the doctor is paid by the insurance company.
Every lawyer are our disability insurance law firm practices exclusively in disability insurance claims. We know how to handle every tactic to delay or deny claims.
Disability Insurance Companies Have Lawyers — Shouldn’t You?
If you are facing a long-term disability claim denial, you should consult an experienced disability lawyer. Our lawyers specialize in disability claims with insurance companies.
Why choose our disability claim attorneys?
- Our law firm has expertise in disability insurance claims
- We built our firm to fight for people who were wrongly denied long term disability benefits
- We have fought every major disability insurance company and recovered millions of dollars in disability benefits for clients
- We have a proven track record of success and have major disability lawsuits that helped make new law.
Because federal law applies to most disability insurance claims, we do not have to be located in your state to help. All our lawyers commit every day to help people get disability benefits from insurance companies.
Call to get help with:
- Submitting a disability insurance claim
- Appealing a long-term disability denial
- Negotiating a lump-sum settlement
- Filing a lawsuit against your disability insurance company