Are You Covered for Long-Term Disability?

Disability Policy Underwriters

Trustworthy Insurance Claim Attorneys

When you want to make sure you are covered for a severe injury or health condition that may cause long-term financial obstacles, having disability insurance can be crucial. However, applying for disability insurance is often challenging, with many steps and procedures that must be followed. At the end of the day, your coverage will rest in the hands of a disability policy underwriter. Once they have all your information, they must decide on the policy you will be offered—if one at all. Disability policy underwriters have the power to reduce the amount of coverage you applied for, to place individual exclusion riders on your policy, or even increase the rate as they see fit. If you believe your application has been mishandled, would like counsel, or need help with any other similar matters, our Houston insurance claim lawyers are the solution.

While laws vary state to state, we have compiled a general list of the 10 Commandments for an Insurer:

  • Insurers must conduct a reasonable (i.e., full and comprehensive) investigation.
  • Insurers must conduct a prompt investigation (usually within two weeks or so).
  • Insurers must provide a fair settlement in good faith when coverage is “reasonably clear.”
  • Insurers must not deny a claim because other coverage is available or a third party is responsible.
  • Insurers must not misrepresent the policy terms or available benefits to the client.
  • Insurers must not seek to close a claim when only a partial payment is made.
  • Insurers must provide a reasonable explanation for claim denial or compromise offer.
  • Insurers must not deny claims in bad faith.
  • Insurers must not deny claims in bad faith.
  • Insurers must act in good faith with claimants (or risk attorneys’ fees in every state other than Mississippi).
  • Insurers must pay claims when coverage is reasonably clear.

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If an insurance company does not comply with these rules, this is referred to as bad faith insurance practices.

Some examples of an insurance company acting in bad faith include:

  • Delaying or denying compensation without a justifiable reason
  • Failing to acknowledge and reply to a claim promptly
  • Failing to perform a proper and thorough investigation into the claim
  • Attempting to settle a claim for a less than reasonable amount
  • Failing to inform the insured of an appeals process
  • Failing to provide a reasonable explanation for a denied or underpaid claim
  • Requiring unnecessarily burdensome documentation to process a claim
  • Using harassing investigative methods to intimidate the claimant

At Hurt In Mississauga, we have represented victims of hurricanes, tropical storms, wildfires, and other natural disasters since 2004. When it comes to filing an insurance claim and successfully obtaining the monies owed to you, there is no better team to trust than ours. We are qualified to handle matters of insurance claim disputes in all 50 states, and we are available seven days a week for you. You can rely on our firm when disaster hits.

If you believe that your insurance company is not obeying all 10 of these commandments, contact the insurance claim attorneys at Hurt In Mississauga at 800.793.3903. We offer completely free, confidential consultations.

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