Many people have and rely upon disability insurance to cover their expenses in the event that they are somehow injured or become ill and become unable to earn a living (either temporarily or permanently). Despite paying the premiums on such disability insurance policies, however, in some cases policyholders may be left high and dry when they try to make claims against such policies
Insurance companies may act in bad faith and try to deny payment on legitimate claims. Some specific ways in which insurance companies can practice disability insurance bad faith include attempts to claim that:
- The policyholder’s injuries do not prevent him from being able to work in his current job.
- The policyholder’s injuries do not prevent him from getting another job and earning a living (even if that job pays significantly less than the policyholder’s previous job).
- The policyholder’s injuries existed prior to the disability insurance policy being opened. In these cases, the insurance company may attempt to cancel the disability insurance policy after the claim has been filed, and this unethical, illegal practice is known as post-claim underwriting.
Should an insurance company practice bad faith in any of these ways, it’s critical that policyholders remember that:
- Their disability insurance policy is a contract.
- They can sue their insurance company for breach of contract and insurance bad faith.
- The insurance bad faith lawyers at Brown & Brown Attorneys at Law are here to aggressively defend their rights and help them secure the maximum possible compensation they deserve.
Schedule a free consultation with Brown & Brown, LLP today to begin pursuing the disability benefits to which you are entitled. Our experienced insurance dispute lawyers try claims in St. Louis, Missouri (dial the 3s: 314-333-3333 or 573-333-3333) as well as Fairview Heights, Illinois (dial the 8s: 618-888-8888).