Life and Disability Insurance
Life Insurance Life insurance is essentially a promise by the insurance company
to pay a certain amount of money when the policyholder dies. You
pay premiums relying on the insurance company to keep its promise.
When the insurance company uses its team of lawyers and adjusters
to try to get out of keeping its commitment, you need someone who
is on your side. If your insurance company tries to escape its
obligations based on its claim that there is a problem with the
policy, application, premium payment, or other reason, you need
an attorney who represents consumers and not insurance companies.
Nierman Law, P.L.C. is experienced in successfully representing
policyholders and beneficiaries in life insurance disputes both
before and after death.
Insurance companies often try to increase their profits by limiting
the benefits paid to their policyholders. Reversing a life insurance
denial is an issue that requires the expertise of an insurance
law attorney. Nierman Law, P.L.C. can help you through this process.
We understand that the passing of a loved one is difficult and
will serve as your representative to pursue the benefits for
which your loved one paid.
Disability Insurance
There are two general types of disability insurance, private disability
and Social Security Disability.
Private disability insurance is obtained through an employer or
insurance agent. Benefits are intended to provide you with a percentage
of your income should you become disabled due to sickness or injury
and cannot work for an extended period of time. Most disability
insurance policies
require a waiting period beginning at the date of disability before
you can apply for benefits. As with most insurance policies, insurance
companies intentionally craft disability insurance policies with
vague and confusing
terms and conditions, thus allowing multiple reasons for delaying
and denying disability income benefits.
Social Security Disability is available
regardless of whether you have private insurance, if you meet
the legal definition of disability. A large number of people are
denied coverage, but those represented
by a qualified attorney have an increased chance of obtaining
benefits. Successful claimants can also obtain governmental health
insurance and other
benefits.
In order to obtain your disability benefits you need the knowledge and
experience of an insurance lawyer. Nierman Law, P.L.C. can assist
you through this
process and preserve your rights to the benefits you are entitled
to.
What can I do if my insurance company wrongfully denies my claim?
Contact us today for
your free initial telephone consultation. |
