Your Access To Disability Insurance Support
The onset of a disabling condition, whether from trauma or disease, leaves many people and families financially burdened. Employees often believe that their disability insurance company and policies will mitigate some of the losses that result from a disability. Oftentimes, however, insurers will refuse to make a payment on a claim by stating that the policyholder is not “totally disabled” under the terms of the insurance policy. The terms of insurance policies vary from being disabled from “Any Occupation” to being disabled from one’s “Own Occupation” and even one’s own “Specialty.” These terms will often dictate whether an insured is entitled to benefits under their policy. It is important to have an advocate who is well-versed in the distinctions in these definitions of disability.
If your health, life, or disability insurance claim was rejected, the insurance lawyers at Jachimowicz Law Group will assist you with disputing your insurance company’s decision. Whether your insurance company canceled your policy, rejected your claim, or offered you a payment that only partially covers your medical costs or losses, our attorneys will strive to ensure you receive the payments you are owed.
Types Of Insurance Claims We Assist With
Insurance claims can be made for various situations and reasons. Whether you are filing a homeowner insurance claim, disability, or life insurance claim, our attorneys will make sure your insurance company adheres to its policy and provides you with the benefits and payments you are entitled to. Some of the insurance claims we assist our clients in pursuing include:
- Short-term disability
- Long-term disability
- Health Insurance disputes
- Life Insurance denials
- Theft from your business
- A home fire that results in property damage or injuries
- The defense of civil action such as a personal injury lawsuit
Federal Laws That Protect Policyholders
A couple of federal laws that protect individuals with insurance include the Employee Retirement Income Security Act of 1974 (ERISA) and the 2010 Affordable Care Act (ACA). ERISA is a federal law that governs employee benefits, including benefits such as health insurance, disability insurance, retirement plans, and life insurance. ERISA contains standards and regulations that protect individuals who participate in employer-sponsored pension and insurance plans. ERISA mandates that insurers provide policyholders with certain information on their plans, particularly when they deny a claim for benefits. In addition, ERISA requires those who have control over plan assets to fulfill their fiduciary duties. This means that plan administrators and insurance companies must hold and distribute plan assets in the interest of policyholders.
A more recent law, the ACA, generally prohibits health insurance companies from refusing coverage to policyholders because of their preexisting conditions. In addition, the ACA prohibits insurers from increasing an individual’s cost of coverage because of a preexisting condition.
If you believe your insurance company may be in violation of these laws, contact our insurance law attorneys today.
Contacting Our Firm
For over 30 years, the insurance law attorneys at Jachimowicz Law Group have helped clients who are insured with pursuing insurance claims and settlements. Our skilled, quality legal services and representation is what keeps us a trusted name in the legal field.
If your insurer denied your claim or is unreasonably delaying payment, call us at 408-246-5500 or contact us online. You will not be required to pay our fees until we reach a settlement for you. We serve clients in Santa Clara County, San Jose, and across California.