Disability Insurance and VA Disability Law Firm Counseling Nationwide
The Centers for Disease Control and Prevention (CDC) estimates that one in four Americans live with a disability. For some of these individuals, they may have limitations that keep them from being able to get and retain gainful employment. Without assistance from VA disability compensation or from disability insurance policies, it would be very difficult for individuals with chronic illnesses or injuries to maintain an acceptable standard of living.
Unfortunately, it can sometimes be very difficult to get benefits from disability insurance providers or the government. Insurance companies are in business to make money – not to ensure policyholders receive the funds they need to recover. You may be unable to recover benefits after an injury and resulting disability if your employer’s disability insurance provider refuses to cover your claim. The same is true if you lost a loved one and cannot access your life insurance benefits. To recover your benefits, you may need to appeal the provider’s decision or even file a lawsuit.
Tucker Law Group is a nationally recognized disability law firm with extensive experience helping insurance policyholders and veterans with illnesses and injuries. We are one of the few national law firms that has the expertise and resources to help disability insurance policyholders, life insurance claimants, and veterans recover the benefits that they rightfully deserve. No matter where you live, our attorneys are ready to help you.
Disability Insurance Claims
Disability insurance is supposed to help cover expenses in the event you suffer an illness or injury that keeps you from working – either in the short-term or for a long period of time. Unfortunately, you may be unable to recover benefits from your policy if your insurance company unfairly denies your claim.
Insurance companies are in business to make money, not to ensure policyholders recover the benefits they need to survive. In some cases, insurance companies may reduce the value of a claim or deny it outright – even if the policyholder did nothing wrong. Insurance bad faith occurs when an insurance provider refuses to cover a valid claim.
You may be able to take legal action against an insurance company to recover these benefits. An experienced disability attorney at Tucker Law Group can help improve your odds of recovering benefits from your disability insurance provider.
ERISA Claims (Employee Benefits)
The Employee Retirement Income Security Act of 1974, abbreviated as ERISA, is the federal law responsible for regulating certain benefit programs offered by private employers. As a broad and encompassing law, ERISA covers the following employer benefits:
- Short-term and Long-Term Disability insurance
- Life insurance
- Health insurance
- 401k plans
- Pension plans
Private employers do not have to offer these benefits, but if they do, ERISA will regulate those benefits. If you have disability insurance, your employer’s insurance plan determines which types of illnesses and injuries will be covered. This means that your employer can choose or not choose to cover certain types of disabilities when selecting a group plan for the company.
If your employer or your employer’s insurance carrier does not comply with ERISA or unlawfully denies a claim, then you may have rights to recover your denied benefits. Tucker Law Group can help with ERISA claims in Florida and across the country.
Veterans Disability Claims
The U.S. Department of Veterans Affairs offers disability benefits to disabled veterans and their families. Access to benefits depends upon how the veteran suffered a disability and the degree of the disability.
Veterans may be able to obtain benefits after doing the following:
- Receiving a diagnosis for a disability from a medical professional
- Demonstrating the disability or condition that brought about the disability
- Obtaining medical evidence that connects service to the disability
Veterans, ideally, would have easy access to disability benefits. Among all of the different types of people in our society, veterans are among the most honorable. Unfortunately, it can be very difficult for veterans to obtain benefits from the VA. The process is time-consuming, confusing and likely to result in a lengthy appeals process. For these reasons, veterans should strongly consider hiring a disability attorney to help file claims. The VA disability lawyers at Tucker Law Group have experience helping veterans with VA claims nationwide.
Life Insurance Claims
Life insurance is extremely important for families across the U.S. After the death of a loved one, benefits from a life insurance policy can help pay for cumbersome expenses.
Unfortunately, life insurance claims are commonly denied by insurance carriers. For instance, a carrier may claim that your loved one’s death was not an accident. However, like with other types of insurance, you may have legal options to recover your benefits if an insurance carrier unlawfully denies your claim.
Our lawyers have successfully fought various denials on behalf of our clients, including:
- Problems with the beneficiary designation form;
- Disputes about which beneficiary should get paid;
- Insurance company claims that a death was not an accident;
- Conversion of life insurance from group to individual coverage;
- Premium waiver for disability—if you have been seriously injured, your insurance policy may require the insurance company to waive your premium payments;
- Employer mistakes in enrolling employees in group/ERISA insurance plans; and
- Credit life insurance on mortgages or other loans.
Call Our Disability Attorneys for More Information
Tucker Law Group helps insurance policyholders and VA clients with their cases nationwide. If you have questions about recovering disability benefits, obtaining life insurance benefits, your rights to benefits under ERISA, or filing an appeal with the VA, then we encourage you to contact us for a free consultation.