Disability Insurance Attorneys Helping Claimants in Jacksonville

Dabdoub Law Firm has constructed our firm with one purpose in mind: empowering claimants who need to obtain disability benefits from insurance companies. This is all we do and all we have done for years and years.

Our focus on disability insurance cases has brought us into contact with every major insurance company in the country. No matter who is on the other side of your claim, you can bet we have dealt with them successfully in the past. You can count on us from the very beginning of your case to its end.

Different Types of Disability Insurance

Disability insurance is a type of insurance that provides financial protection to people who cannot continue working or earning an income due to a disability or injury. This insurance is usually designed to replace a portion of the policyholder's income when they are unable to earn a living because of a covered disability, but it can also provide income based on the type and severity of the policyholder’s disability. Dabdoub Law Firm can help workers across Jacksonville understand their insurance coverage and utilize it after being too injured to keep working.

If you have disability insurance, it might include one or more of the following types:

• Short-Term Disability Insurance (STD): Short-term disability insurance provides benefits for a limited period, typically ranging from a few weeks to a few months. It is designed to cover temporary disabilities or illnesses that prevent an individual from working for a short duration. It often has a shorter waiting period before benefits start, too.
• Long-Term Disability Insurance (LTD): Long-term disability insurance offers coverage for an extended period, potentially up to several years or until the policyholder reaches retirement age. It is intended for more serious disabilities that last for an extended period. LTD policies typically have longer waiting periods compared to STD policies, though.
• Individual Disability Insurance: Individual disability insurance policies are purchased by individuals, rather than provided through some sort of employment benefit or similar coverage. They are customizable to meet the specific needs of the policyholder and can provide income protection for both short-term and long-term disabilities.
• Group Disability Insurance: Group disability insurance is typically offered by employers as part of their employee benefits package. It covers a group of employees and is often more affordable than individual policies. Group policies may have certain limitations and may not be as customizable as individual policies.

Other insurance policies can include coverage for disabilities, too, like accidental death and dismemberment (AD&D) insurance, long-term care insurance, and life insurance. No matter what type of policy you have, you can depend on our disability attorneys to explain your options and provide complete legal guidance.

Jacksonville Employers & Insurance Providers

In Jacksonville, some of the largest employers are related to the government, such as:

• Naval Air Station Jacksonville
• Duval County Public Schools
• Naval Station Mayport
• Jacksonville City Hall

UNUM, CIGNA or LINA, Prudential, MetLife, MassMutual, and Hartford are among the largest disability insurance providers that sell policies to employers and individuals in Jacksonville, Florida. If you have disability insurance, one of these companies is likely responsible for your policy and benefits. However, if a different insurance company controls your disability insurance policy, our LTD claim attorneys will be ready to deal with them all the same. Furthermore, group insurance policies are generally governed by ERISA, a federal statute, which allows you to depend on our attorneys for counsel, no matter where you live.

Any lawsuits regarding long-term disability insurance in Jacksonville will likely need to be filed with the United States District Court Middle District of Florida Bryan Simpson United States Courthouse. Dabdoub Law Firm can help you with initial filings at this court, as well as appeals to higher courts if necessary.

Why Was My Claim Denied?

Disability insurance claims can be denied for several reasons. Insurance companies have specific criteria and requirements that policyholders must meet to qualify for benefits. Problems arise when an insurance company falsifies, ignores, or otherwise mishandles information in a disability claim, so an unjustified claim denial occurs. If your claim was denied for any reason, don’t assume it is a fair outcome. Instead, let Dabdoub Law Firm review it and see if you have a case.

Common reasons why insurance claims are denied include:

• Failure to meet the definition of disability
• Disqualifying pre-existing conditions
• Insufficient medical evidence
• Inaccurate or incomplete information
• Issues with the waiting or filing period
• Failure to follow treatment requirements
• Policy exclusions

If your disability insurance claim is denied, you might have the right to appeal the decision. Let our LTD claim appeals attorneys carefully review the denial letter to uncover the reason for the denial. If something is incorrect with it, we can discuss the next steps needed to pursue the insurance benefits that are owed to you.

Having an Experienced Disability Attorney Matters

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

We represent clients everywhere 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