Disability Insurance Lawyers for Claimants in Corpus Christi

Assisting Clients With Disability Insurance Claims in Texas

Dabdoub Law Firm is proud to represent claimants throughout Corpus Christi with their long-term disability benefits cases. We have built our law firm to do one thing: help people get long-term disability benefits from insurance companies that do not want to approve valid claims. All our attorneys are experts in disability insurance claims.

Call Dabdoub Law Firm today at (800) 969-0488 or contact us online to schedule a consultation with our disability insurance attorneys for claimants in Corpus Christi.

Corpus Christi Disability Insurance Claims

Most people living in Corpus Christi get their LTD insurance from their employers. The odds are high that this is true for you, too.

Corpus Christi is one of the largest marketplaces and economies along the Gulf of Mexico in the United States. As a result, big names in the insurance world often try to sell their policies to companies there. Your employment-provided LTD insurance could come from UNUM, CIGNA, Hartford, Aetna, Liberty, Lincoln, Reliance or Prudential, for example.

Many entrepreneurs have established growing businesses in Corpus Christi as well. If you fit into this employment category, then you might have individual disability insurance or a policy for the self-employed. UNUM, MetLife, AXA Equitable, and Guardian issue individual disability policies to professionals and self-employed individuals.

Tactics Used by Disability Insurance Companies to Deny Claims

Insurance companies make a profit insuring thousands of employees, business owners, doctors, lawyers and other professionals in Corpus Christi. If a sickness or injury prevents you from working, your disability insurance policy should protect your income. But that’s not always the case. Thousands of short-term and long-term disability insurance claims are denied every year.

Insurance companies have different ways to deny disability claims. For example, you could be sent for an examination by a doctor the insurance company hired.

Some of the more common examinations are:

• IME, an independent medical examination
• FCE, functional capacity evaluation
• Neuropsychological evaluation
• Psychiatric evaluation

As a law firm that specializes in disability insurance claims, we see many claims denied based on reports prepared by doctors hired by the insurance company. Because of our experience, we know how to handle requests from insurance companies for an examination.

Why Was My Claim Denied?

Some common reasons why your LTD benefits claim may have been denied include:

• Insufficient Medical Evidence: One of the most common reasons for LTD benefits denial is the lack of sufficient medical evidence. Insurance companies require comprehensive documentation that clearly demonstrates the severity and impact of your disability. The insurer may deny your claim if your medical records, test results, or doctor's statements do not provide compelling evidence of your condition.
• Pre-existing Conditions: Insurance policies often have clauses that exclude coverage for pre-existing conditions. If the insurer determines that your disability is related to a condition you had before receiving coverage, your claim might be denied. It's important to carefully review your policy's terms and conditions to understand how pre-existing conditions are defined and handled.
• Failure to Meet Policy Definitions: LTD insurance policies have specific definitions of disability. If your condition does not meet the policy's criteria, your claim may be denied. The insurer could argue that your disability is not severe enough to stop you from performing your job or any job for which you are reasonably qualified.
• Lack of Treatment Compliance: Insurance companies expect you to follow prescribed treatments and seek appropriate medical care for your condition. If there is evidence that you did not comply with your treatment plan or failed to seek necessary medical care, the insurer may use this as a basis for denial. Demonstrating a consistent and proactive approach to your treatment is crucial for supporting your claim.
• Inconsistencies in Documentation: Discrepancies or inconsistencies in your documentation can raise red flags for insurance companies. This includes inconsistencies between your medical records, personal statements, and other evidence submitted. Ensuring all your documentation is accurate, consistent, and thoroughly supporting your claim is essential.
• Surveillance and Investigation: Insurance companies may conduct surveillance or investigations to verify the legitimacy of your claim. If they gather evidence suggesting that your condition is not as severe as claimed or that you are engaging in activities that contradict your disability, your claim could be denied. It is important to be mindful of how your activities might be perceived and ensure that they align with your claimed limitations.

Disability Insurance Companies Have Lawyers. Shouldn’t You?

Because Dabdoub Law Firm was created to focus on disability insurance, we have developed expertise in this complex area of the law.

Our expertise in long-term disability claims means our clients have the backing of a law firm that has attorneys who:

1. Are experts in disability claims
2. Fought all major disability insurance companies and know their tactics
3. Have a track record of success
4. Won major disability lawsuits that created good law
5. Recovered millions of dollars in disability benefits

All our lawyers commit every day of their legal career to helping people get disability benefits from UNUM, MetLife, Prudential, Northwestern Mutual, Hartford, CIGNA, and others. Because federal law applies to most disability insurance claims, we do not have to be located in your state to help. We help clients nationwide.

Call to get experienced disability lawyers on your side 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

Call (800) 969-0488 for a free consultation with our Corpus Christi LTD benefits attorney.