Inland Empire Disability Insurance Claim Denial Lawyer – Serving California
You will be plunged into a difficult financial situation when you are unable to work, and the insurance company refuses to pay your disability insurance benefits. You can and should take strong legal action and get your day in court.
At Quincey Law, we see and hear the reasons why insurance companies will not pay your claim, and our Inland Empire disability insurance claim denial attorneys can help you build your case that could force them to pay. Attorney Nicholas Quincey routinely goes toe-to-toe with the biggest insurance companies, delivering results that his clients want and need.
Quincey Law is located at 9302 Pittsburgh Ave 230 Rancho Cucamonga, CA 91730 – our office is near the corner of 6th Street and Milliken and we serve clients throughout San Bernardino & Riverside. Call us today at 909-330-3523, and we will review your case and discuss your legal options.
Recent Review:
“Nick fights hard for his clients. Guided by a strong moral compass, he provides fair and honest insight as to what is in your best interest. He is incredibly diligent, and a straight shooter. You feel like he is always in the trenches with you, and guiding you through tough times. I am so grateful to have worked with him on matters over the last few years. I cannot recommend him highly enough.”
Verified Review from Anthony on Avvo
Why Disability Insurance Companies Deny Disability Insurance Claims
The insurance company knows that they have a potentially large financial obligation to you, so they almost always take a narrow view of your claim. Even though your doctor has reached their own conclusion about your condition, the insurance company will have their own medical experts (who have never treated or seen you) reach their own conclusions The insurance company may deny your claim for the following reasons:
- You had a pre-existing condition before you purchased or received the disability insurance policy
- You are still able to perform the duties of your job
- There is insufficient medical evidence to support your claim
- The insurance company claims that they have surveillance footage that shows you are not disabled
- Your condition does not meet the definition of disability
- Your claim is not properly documented
Regardless of why the insurance company has denied your claim, they do not get the final say in the process, and you can always take legal action against them to attempt to force them to pay.
Appealing a Disability Insurance Claim Denial
The process for appealing a disability insurance claim denial depends on how you ended up with your policy. If your policy was provided to you as an employee benefit, the Employee Retirement Income Security Act (ERISA) governs how you appeal. You must take your appeal to the insurance company first before you can go to federal court, where a judge would determine whether the insurance company made an error.
If you have purchased your policy on your own, it is a private contract between you and the insurance company. If they will not pay your claim as you expect and deserve, they may have breached the contract. Then, you would file a breach of contract lawsuit in state court. Not only could you force them to pay, but you may also seek bad faith damages if they unreasonably denied your claim or have failed to uphold their obligations under California law.
The Insurance Company May Wrongfully Terminate Your Benefits
Your policy provides that insurance companies may tighten the rules of your coverage after 24 months. In the first two years of your benefits, you may be paid when you are unable to perform the duties of your job. Once two years pass, the insurance company will compel you to attend an independent medical examination to assess your condition.
At that point, they may attempt to terminate your benefits if they conclude that you are able to work in any type of job suitable for your medical condition. You can appeal a termination of benefits the same way that you would an initial claim denial.
How a Disability Insurance Claim Denial Attorney Can Help
The insurance company generally does not give in when they deal with you directly. They know that you may not have the experience or knowledge to take them on in any forum. When you come to the table with a disability insurance claim denial attorney, you have a better chance of success (although it is never guaranteed).
A disability insurance claim denial lawyer can do the following for your case:
- Build an appeal file to contest your denial
- Help you strengthen your case in response to the reason for the insurance company’s denial
- File an appeal on your behalf in the appropriate forum
- Negotiate a potential settlement with the disability insurance company
- File a lawsuit
Contact Our Disability Insurance Claim Denial Law Firm Today
Quincey Law handles disability insurance claim denial claims throughout the state of California including: San Bernardino, Ontario, Victorville, Riverside, Moreno Valley and Corona from our office in Rancho Cucamonga,. Call 909-330-3523 or fill out our confidential contact form to speak to someone at our office. Together, we can seek justice.