Health, Life, & Disability Bad Faith
Insurance Claims Under a Personal Health, Life, or Disability Policy
Purchasing your own health, life, or disability policy is a substantial investment. Unfortunately, many people insured under private, individual policies have valid claims for benefits disputed by insurance companies.
If you obtained your own personal policy on your own and without going through your employer, and if your claim does not arise under Medicare, Medicaid, Social Security, or another form of government benefit, you still expect yourself and your family to be protected in the event the unexpected occurs. Often, however, insurance companies deny or delay payments—hoping that claimants will simply give up or settle for far less than they are entitled to.
If your insurer has wrongfully denied benefits on individual health, life, or disability policy, you or your family may be able to recover lost benefits, lost wages, pain and suffering, and other damages.
Types of Personal Health, Life or Disability Insurance Claims
We have represented families and policyholders in many types of claims, including:
- Denial of cancer claims
- Refusal to pay expensive hospitalizations
- Denials of catastrophic health claims
- Rejection of disability insurance claims following life changing illness or injury
- Refusal to honor life insurance claims
Making a Claim for Benefits Under a Personal Policy
Insurance companies must have a reasonable basis to deny a claim, but they often do not. If you have purchased and maintained an individual health or disability insurance policy for yourself or a family member, or if you are the beneficiary of a life insurance policy that a loved one individually purchased, your insurance company has a duty to fairly investigate your claim and not to deny a valid claim.
Representing Individuals in Complex Benefits Disputes
If your valid health, life, or disability claim has been disputed under your own personal insurance policy, contact an attorney at Doyle Raizner today to obtain a free consultation on your claim.