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 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 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 a greater 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.
|
