Disability Insurance Attorneys Helping Claimants in Philadelphia

If your employer or an insurance company in Philadelphia is not providing you with a fair amount of disability insurance benefits, then you can come to Dabdoub Law Firm. Our long term disability insurance lawyers focus 100% of their practice on disability claims and litigation on behalf of clients in need. This is the entirety of our law firm’s mission.

Our deliberate focus on long term disability benefits claims, as well as short term disability benefits claims, has brought us head-to-head with just about every major disability insurance company in the country. We are pleased to report we have built a long history of success. You can count on Dabdoub Law Firm for filing, appealing, negotiating, and litigating your disability claim.

Disability Insurance Claims in Philadelphia

People who live in Philadelphia usually receive disability insurance coverage from their employers, as is the norm in most major cities across the United States. Based on information from the Pennsylvania Department of Labor and Industry, some of the largest employers in Philadelphia County are the city of Philadelphia itself, the federal government, collective school districts, several universities, and The Children’s Hospital of Philadelphia. Even in rocky global economics, Philadelphia attracts new and growing corporations.

Insurance companies that may offer employer-based insurance policies to employers in Philadelphia may include Lincoln Financial, UNUM, CIGNA/LINA, and many more. Thanks to ERISA law and the federal regulations it creates, most group insurance policies offered to employees in Philadelphia fall under this umbrella category. Dabdoub Law Firm is therefore able to represent you, no matter where you live in Philadelphia, and even if our law office is headquartered outside of Pennsylvania.

Philadelphia is also a bustling center for private businesses and individual contractors. The Children’s Hospital of Philadelphia, for example, is highly regarded among medical communities and attracts medical doctors seeking a role in a well-established hospital. Attorneys are also drawn to the city for its geolocation and growing population. People who work in these such career fields probably do not have employer-provided disability coverage, but instead use individual policies provided by companies like UNUM, Mass Mutual, and others.

The United States District Courts in Pennsylvania are in the Third Circuit Court of Appeals. This circuit is known to issue mixed results with respect to disability insurance decisions, but it goes without saying, legal experience in very important in disability law.

As a law firm with a sole focus on disability insurance claims, Dabdoub Law Firm is equipped to handle your claim. Our Philadelphia long term disability attorneys are always ready to take on a case for a client from start to finish. Years of experience has made us battle-hardened against the tactics used by insurance companies who try to duck away from their responsibilities to their policyholders.

Whether your claim for disability benefits was denied or delayed by the insurance company, this law firm can help you fight back for the benefits you deserve!

Why Was My Disability Claim Denied?

Disability insurance claims can be denied for various reasons, and while specific reasons might vary based on the policy and individual circumstances, here are some common reasons why disability insurance claims might be denied in Philadelphia or elsewhere:

• Insufficient Medical Evidence: Inadequate documentation or medical evidence supporting the disability can lead to claim denials. Lack of detailed medical records, test results, or documentation from healthcare providers can cause a denial.
• Pre-existing Conditions: Some policies have clauses that exclude coverage for pre-existing conditions. If the disability is related to a condition that existed before the policy was purchased or during the exclusionary period, the claim might be denied.
• Failure to Meet Definition of Disability: Policies often have specific definitions of what qualifies as a disability. If the disability doesn't meet the policy's criteria or doesn't prevent the insured from performing their job or related tasks, the claim could be denied.
• Incomplete or Inaccurate Forms: Incorrectly filled-out claim forms or missing information can result in a denial. It's crucial to accurately complete all required paperwork and provide necessary supporting documentation.
• Disability Not Severe Enough: If the insurance company determines that the disability isn't severe enough to prevent the insured from working in their occupation or any occupation (depending on the policy terms), the claim might be denied.
• Failure to Follow Treatment Plans: If the insured fails to follow prescribed treatments or therapies that could potentially improve the condition or facilitate a return to work, the claim might be denied. Insurance companies often expect claimants to comply with recommended treatments.
• Disputes Over the Cause of Disability: If there's a disagreement between the insurer and the claimant's healthcare providers regarding the cause or extent of the disability, it might lead to a denial.
• Late Filing or Missed Deadlines: Missing deadlines for filing claims or providing requested information can result in claim denial. Adhering to the specified timelines is crucial.
• Fraud or Misrepresentation: Providing false information or misrepresenting facts when filing a claim can lead to denial. It's essential to be honest and accurate throughout the claim process.
• Policy Exclusions: Some policies have specific exclusions for certain types of disabilities, such as self-inflicted injuries, substance abuse-related issues, or injuries sustained during illegal activities.

If a disability claim is denied, it's essential to review the denial letter carefully, understand the reason(s) for denial, and, if appropriate, consider appealing the decision. Seeking legal advice or assistance from professionals experienced in disability insurance claims can often be beneficial in such situations.

Hiring an Experienced Disability Insurance Lawyer is Important

Dabdoub Law Firm has always focused only on disability insurance law. As a result, we have significant experience fighting all major disability insurance companies and have won several major disability lawsuits. Our wins have even created new law that protects disabled workers.

We can help with:

• Submitting a Disability Insurance Claim: Our team can guide you through the initial process of filing a disability insurance claim. We ensure that all necessary paperwork is accurately completed, and relevant medical evidence supporting your disability is gathered and presented effectively to the insurance company. This helps increase the likelihood of a successful initial claim.
• Appealing a Long-Term Disability Denial: If your disability claim has been denied, we can help you appeal the decision. We thoroughly review the denial letter and assess the reasons behind the denial. We then gather additional evidence, medical opinions, and other documentation to strengthen your appeal. Our goal is to present a compelling case that addresses the insurer's reasons for denial and increases your chances of a successful appeal.
• Negotiating a Lump-Sum Settlement: In cases where a lump-sum settlement is a viable option, we can negotiate with the insurance company on your behalf. Our team has experience in negotiating fair settlements that adequately compensate you for your disability, ensuring that you receive the maximum benefits you're entitled to under your policy.
• Filing a Lawsuit Against Your Disability Insurance Company: If necessary, we're prepared to take legal action against the insurance company. We can file a lawsuit to challenge unjust denials, delays, or wrongful termination of benefits. Our attorneys are experienced in litigating disability insurance cases, and we'll advocate fiercely for your rights in court.

We can represent clients nationwide with disability claims governed by federal law, even if we are not located in your state.

Call (800) 969-0488 to speak with an experienced disability attorney in Philadelphia.