LTD Disability Attorneys Helping Claimants in Phoenix, AZ

Dabdoub Law Firm assists disability claimants in Phoenix, Arizona seek and secure the disability benefits they need from insurance companies. We have intentionally directed our full focus on long-term disability benefits claims and cases.

Our Phoenix disability attorneys are no strangers to any part of the disability claims process. Starting with disability claims filings, we can help you with each step along the way, including appealing disability denials, negotiating lump sum settlements, and filing disability benefit lawsuits. Throughout our many years of practice experience, we have taken on every major insurance company with success.

What is Disability Insurance?

Disability insurance is a type of insurance coverage that provides financial benefits to people who can no longer earn an income due to a disability or disabling condition. One important benefit of disability insurance is wage replacement, which provides income to the policyholder for the duration of their disability or coverage period. For some, the finances provided will be equal to a portion of their previous income, but for others, it will be based on their type and severity of disability. Disability insurance can also cover various expenses like medical bills and essential living costs, depending on the disability insurance policy in question.

Different types of disability insurance include:

• Short-Term Disability Insurance (STD): Provides coverage for a short period, usually a few weeks to several months. Typically covers a percentage of the individual's salary during the disability period.
• Long-Term Disability Insurance (LTD): Offers coverage for an extended period, ranging from several months to several years, or even until retirement age. Payments are often a percentage of the individual's salary.
• Employer-Sponsored Disability Insurance: Offered by many employers as part of their employee benefits package. Coverage may be short-term, long-term, or a combination of both, depending on the employer's offerings.
• Individual Disability Insurance: Purchased by individuals directly from insurance providers. Offers personalized coverage based on the individual's needs and can supplement employer-sponsored or government disability benefits.
• Long-Term Care Insurance: Provides specific benefits to people who need assistance with everyday tasks like bathing, toileting, and eating, due to a disability or medical condition.
• Accidental Death & Dismemberment Insurance (AD&D): Applies when the insured either suffers a dismemberment in an accident or passes away.
• Life Insurance: Gives specific insurance benefits to surviving loved ones after the insured passes away.

At Dabdoub Law Firm, our disability claim attorneys can help you understand the type and extent of disability insurance coverage you should have. We have the experience, knowledge, and resources needed to work on cases involving all types of disability insurance claims and situations.

Employers & Disability Insurance Providers in Phoenix

If you work in Phoenix in a regular occupation, then you most likely get your disability insurance coverage from your employer. Some of the largest employers in Phoenix include Arizona State University, Wells Fargo Bank, Walmart, and Apollo Group, Inc., and each offers long-term disability insurance to their employees as part of their employee benefits packages. If you work for these employers or another corporation in Phoenix, your disability insurance is likely provided by Prudential, UNUM, MetLife, Mutual of Omaha, or another major insurer. Most employment-provided disability insurance policies fall under the federal Employee Retirement Income Security Act (ERISA).

Dabdoub Law Firm and our long-term disability insurance attorneys have encountered pretty much any complication that can arise in your disability claim. Insurance companies tend to try to use unfair tactics to deny disability benefits, undervalue claims, and otherwise make it difficult for you to get the benefits that you deserve. With our help, you can stand up for yourself and seek the benefits you deserve in Phoenix and the surrounding area.

Common Reasons Why a Disability Insurance Claim is Denied

Common reasons for disability insurance claim denials in Phoenix include:

• Insufficient Medical Evidence: Inadequate or unclear medical documentation supporting the claimant's disability can lead to a denial.
• Pre-existing Conditions: Some policies have exclusions for pre-existing conditions. If the disability is related to a condition that existed before the insurance coverage started, the claim may be denied.
• Failure to Meet the Definition of Disability: Policies often have specific definitions of disability. If the claimant's condition does not meet the criteria outlined in the policy, the claim may be denied.
• Waiting Period Not Met: Disability insurance policies usually have a waiting or elimination period before benefits are payable. If the claim is submitted before this waiting period is satisfied, it may be denied.
• Incomplete or Inaccurate Information: Failing to provide all required information or providing inaccurate information on the claim form can lead to denial.
• Failure to Follow Treatment Plans: If the claimant does not adhere to prescribed medical treatments or fails to attend medical appointments, the insurance company may argue that the disability could have been mitigated or resolved with proper care.
• Occupational Exclusions: Some policies exclude certain occupations or activities.
• Alcohol or Substance Abuse: Disability insurance policies may exclude disabilities resulting from alcohol or substance abuse
• Inconsistencies in the Claimant's Statements: Discrepancies between the claimant's statements, medical records, and other evidence can raise red flags and result in denial.
• Independent Medical Examination (IME) Findings: Some insurance policies reserve the right to request an independent medical examination. However, as our attorneys can tell you, some insurance companies only use IMEs as an excuse to find a reason to deny a claim, no matter how unreasonable that reason might be. 

Having an Experienced Disability Attorney Matters

Disability insurance law is complicated. If your claim for long term disability benefits was denied or being delayed by an insurance company, it is important to get legal help from a lawyer who focuses on disability law.

As a law firm built to focus disability insurance, all our lawyers spend every day working to get our clients disability benefits from insurance companies.

Because federal law applies to most disability insurance claims, we do not have to be located in your state to help.

Dabdoub Law Firm represents clients nationwide with:

• Submitting a disability insurance claim
• Appealing a long-term disability denial
• Negotiating a lump-sum settlement
• Filing a lawsuit against your disability insurance company

Our disability insurance attorneys have limited their practice to federal court matters involving disability insurance claims. Most disability insurance claims are governed by federal law.

Call (800) 969-0488 to speak with a Phoenix disability insurance attorney.