Most policyholders recognize that insurance companies are in business to make money. Unfortunately, the path to profits is often paved with denials, delays and challenges to legitimate claims. Despite the financial incentives that motivate insurance companies to fight disability benefits, most people presume an insurance carrier will act reasonably in processing a claim if the policyholder has fulfilled his or her obligations to make premium payments. No matter how reasonable this expectation, it is just plain wrong much of the time.
This year 3,000,000 people will submit claims for disability benefits, half of these claimants will have their claim denied. As a Miami disability claims attorney, I have successfully obtained disability benefits for claimants throughout Florida. Our law firm relies on careful strategic planning to secure disability benefits and to protect ongoing disability benefits. Once you file your disability claim, your insurance company begins calculating a predetermined statistical period within which you should be back at work based on your injury or illness. This formula is a standard response to terminate payments as soon as possible.
I employ my expertise and experience litigating cases involving the denial of disability benefits, which often entails carefully scrutinizing and analyzing the insurance company’s internal claims process. My experience allows me to anticipate the carrier’s strategies based on first-hand knowledge handling claims as a former insurance claims adjuster. We identify potential weaknesses in a claim and develop a plan to acquire evidence that will satisfy the deficiencies or issues raised by the insurance company.
My law firm also works with your treating physician, so your medical records are complete. A disability claim will not be successful without appropriate findings and support from at least one treating doctor. The medical records must document and certify that you have limitations and restrictions that prevent you from continuing in your current job or any job. Because physicians are extremely busy, they often create medical records that are not sufficiently detailed to support a patient’s claim. We evaluate your medical records and coordinate with your treating physician to ensure that the records are sufficient to satisfy potential objections by the insurance disability carrier.
At our Florida disability claims law firm, we not only help applicants obtain disability benefits, but we also help our clients keep their benefits. Even if your disability claim has been approved, insurance companies carefully monitor claims on a monthly basis. These reviews often lead to requests for a broad range of evidence including tax returns, medical records, financial documents and more. The insurance company will have employees pour over this information looking for contradictions or missing information to justify terminating your disability benefits. Some claimants have their disability benefits terminated simply because they are confused about what they must do or abstain from doing. My law firm represents disability claimants who have had their claim wrongfully denied, terminated or delayed.
Because the most critical aspect of a disability claim involves the information provided when an initial application for disability is submitted. I can guide you through the process of completing and submitting this documentation. The application must be accompanied by medically supported information. This information needs to be accurate and complete, or the insurance company may use it to justify denying your claim for disability benefits.
If your claim for disability benefits has been denied, we invite you to contact us so that we can assess your situation and start fighting for the benefits you are entitled to under your disability policy. I am an experienced Miami disability claims attorney who handles disputed claims in Miami and throughout Florida. The Law Firm of J.P. Gonzalez-Sirgo, P.A. offers free consultations and case evaluations. No Recovery, No Lawyer Fees. Call 305-461-1095 or Toll Free 1-866-71-CLAIM.