A critical or catastrophic illness can happen at any time to anyone.  A serious illness can cause a financial strain on the life of the person affected by the illness ("the patient") as well as that person's family.  As a result of a serious illness a patient may struggle to pay everyday living expenses while out of work. Critical illness insurance provides a lump-sum cash benefit to an insured who has suffered a qualifying serious illness as defined by the insurance policy.  The payout from a critical illness policy will serve as an emergency fund to cover financial obligations during recovery.

What types of illnesses are typically covered under a critical illness policy?

  • Heart Attack
  • Cancer
  • Organ Transplant
  • Paralysis
  • Coma
  • Stroke

However, the type of illness covered will be defined by your critical illness policy.

Insurance companies routinely deny critical illness insurance claims.  Often these claims are denied based on the insurance company's assertion that the illness claimed by the insured does not qualify as a "critical illness" under the terms of the insurance policy.

It is important for you to understand that when an insurance company denies a claim, it does not mean that the claim is over.  In the face of a denial, always obtain a consultation with an experienced critical illness insurance claims attorney.

Attorney Gonzalez-Sirgo offers a free consultation and confidential case review. You will be able to discuss your case in detail and review the possible options. There are no fees for the consultation and, in fact, no legal fees at all unless your case is settled or resolved in court.

You can reach Miami Critical Illness Insurance Claims Lawyer 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.