Why Insurance Companies Refuse To Pay Valid LTD Claims

If you are a legal, dental, medical or other high-level professional who has bought a private disability insurance policy and your claim has been denied, it's important to understand why.

You may have a valid course of action and may have been denied benefits unfairly. These policies are different from group policies and are either own occupation (own occ) or any occupation (any occ) insurance plans, and each type has its own coverage parameters.

Many insurance companies actively deny claims because interest rates have gone down while their pool of insurance carriers has aged. A common tactic is to concede that a policyholder has been injured, do the math on the average recovery time and then cut off benefits at the end of the specified time without taking into account the actual status of the injury.

If a refusal to pay a valid claim has represented a direct threat to your lifestyle and needs, it's critical to reach out to an experienced attorney as soon as possible. We encourage you to call Adelman German, PLC, at 602-635-1401 to discuss your legal options.

Helping You Recover ~ Proven Results

We have obtained tens of millions of dollars for policyholders who have private disability claims, and we are ready to work toward a best possible resolution in your case.

When you partner with us, we will get an understanding of your situation and get involved with the insurance company immediately. Because of our skill at investigation, we can provide the insurance company with all relevant information so it can immediately evaluate and pay the claim. We can even solicit a medical professional's expert testimony to demonstrate how your injury makes normal practice impossible.

We want to give the insurance company every opportunity to do right by your claim while you readjust your life. If the insurance company isn't willing to compensate you fairly, we are ready to take your claim to the courtroom. We know the insurance companies and their practices, and we are not intimidated. Because these companies are often very aware of what we're capable of, they are usually more than willing to settle.

To discuss any aspect of denial of disability insurance benefits with one of our Arizona lawyers, call 602-635-1401 or send us an email.