Insurance companies refer to the Diagnostic and Statistical Manual of Mental Disorder, Forth Edition, better referred to DSM-IV, to check if the stated mental and/or nervous disorder as diagnosed by your doctors is listed in this manual. If not, insurance companies will deny your disability claim based on this finding.
The Law Firm of J.P. Gonzalez-Sirgo, P.A. represents individuals that have had their valid long term disability benefits denied, delayed or terminated irrespective of whether the policy was purchased individually or issued through an employer group policy. The firm is available to assist individuals with the initial application process, during the administrative appeals process, handling denials of claims or termination of benefits, litigation in state or federal court, and negotiating a one-time lump sum settlement or buy-out. Please contact our office to discuss your case in more detail.