According to the National Association of Insurance Commissioners (NAIC), the number one complaint logged by state insurance regulators is policyholder's dissatisfaction with their insurance companies' handling of their claim payments.  This includes claims delays, claim denials and low ball settlement offers.  Disability insurance ranked highest in the type of insurance category, while life insurance ranked in the lowest insurance type category.

Because of this, it's important for those searching to buy any insurance, especially long term disability insurance, to check out the insurance company's complaint record with their state insurance regulator's office.  This is especially true if the company you are considering is small or lacks in the reputation arena.  In Florida, you can go here to check the complaint history of the insurance company you are considering. 

In addition, it is important for policyholders to have a mechanism to file complaints against their insurance company.  Filing a complaint against your insurer may result in your state's insurance regulator applying additional pressure to the insurance company regarding your claim.  In Florida, if you find yourself in the unfortunate situation where you must file a complaint against your insurer, you can go here.

Filing a complaint didn't work? Then get a lawyer. 

You can reach Miami Insurance Claims Attorney J.P. Gonzalez-Sirgo by dialing his direct number at (786) 272-5841, calling the main office at (305) 461-1095, or Toll Free at 1 (866) 71-CLAIM or email J.P. directly at [email protected].

J.P. Gonzalez-Sirgo
J.P. Gonzalez-Sirgo, P.A.
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