McKinney Disability Lawyers

Handling Disability Claims, Appeals, and Lawsuits for McKinney Claimants

People in McKinney, Texas don’t have anything against hard work, but with injuries and illnesses, putting in the work is not always possible. For this reason, the smart people in McKinney buy disability insurance to protect their income if they can no longer work. Disability insurance companies proudly sell these policies, but they do not always pay up when the time comes.

If you are suffering from a qualifying medical condition that is preventing you from fulfilling the duties of your occupation, and you have a disability insurance policy, you are entitled to recover short-term or long-term disability benefits.

Insurance companies make a lot of excuses for denying disability claims, delaying them, or finding other ways not to pay, but Dabdoub Law Firm cuts through the noise. We have been helping claimants like you get disability benefits in McKinney, throughout Texas, and nationwide for more than 20 years.

Call us at (800) 969-0488 for help with your disability claim, any appeals you need to file, and even suing an insurance company that simply won’t cooperate. We don’t collect any fees unless we win.

Disability Claims in McKinney, TX

McKinney, Texas is characterized by the pioneer spirit and is one of the fastest-growing cities in the United States. Located about 30 miles north of Dallas, McKinney is the county seat of Collin County, Texas and home to approximately 195,308 people.

Due to its diverse and thriving economy, Money magazine named McKinney the “Best Place to Live” in America in 2014. Historically, the city made its money off railroads, agriculture, and cotton.

Today, McKinney’s top employers include:

• Raytheon Space & Airborne Systems
• Globe Life (Torchmark Corporation)
• SRS Distribution
• Banks Group (Independent Bank)
• Encore Wire
• ScienceSoft
• Pogue Construction
• MYCON General Contractors
• Bob Tomes Ford
• McKinney Buick GMC
• Emerson Process Management Regulator Technologies
• Wistron GreenTech (Texas) Corporation

To stay competitive, many of these employers offer group disability insurance to their employees. Employers buy group policies from insurance providers like MetLife, Northwestern Mutual, and Mutual of Omaha. These same insurance companies sell private policies to the city’s doctors, lawyers, artists, entrepreneurs, and other self-employed professionals.

Most disability insurance policies are regulated by the Employee Retirement Income Security Act of 1974 (ERISA), so if providers fail to act in their policyholders’ best interests, they can face legal trouble in federal court.

At Dabdoub Law Firm, we try to resolve our cases outside of court because it is usually the best solution for everyone, but when insurance companies do not honor valid claims, we are not afraid to take cases to the United States Court of Appeals for the Fifth Circuit in New Orleans, LA.

Why Do Insurance Companies Deny Disability Claims?

Insurance companies may deny, delay, or not pay disability claims for various reasons, some of which are more common than others. Here are some of the typical reasons for these actions:

• Insufficient Medical Evidence: Insurance companies often require thorough documentation and evidence of the disability from medical professionals. If the medical evidence provided is deemed insufficient or does not support the claimant's disability according to the policy terms, the claim may be denied.
• Pre-existing Conditions: Many disability insurance policies have pre-existing condition clauses, which exclude coverage for disabilities resulting from conditions that existed before the policy was purchased. If the insurance company determines that the disability is related to a pre-existing condition, they may deny the claim.
• Failure to Meet Definition of Disability: Disability insurance policies typically have specific definitions of disability, such as the inability to perform the duties of one's own occupation or any occupation. If the claimant's disability does not meet the definition outlined in the policy, the claim may be denied.
• Misrepresentation or Fraud: If the insurance company discovers that the claimant provided false information or misrepresented facts when applying for coverage, they may deny the claim. Similarly, if the insurance company suspects fraud in the submission of the claim, they may deny coverage.
• Failure to Provide Necessary Documentation: Claimants are often required to submit various forms and documents to support their disability claim. If the claimant fails to provide the required documentation or information within the specified timeframe, the claim may be delayed or denied.
• Policy Exclusions: Disability insurance policies typically have exclusions for certain types of disabilities or circumstances. If the claim falls under one of these exclusions, the insurance company may deny coverage.
• Disagreement Over Disability Severity: There may be disagreements between the claimant's healthcare provider and the insurance company's medical professionals regarding the severity or extent of the disability. In such cases, the insurance company may deny or delay the claim while conducting further assessments or reviews.
• Procedural Errors: Sometimes, claims are denied due to procedural errors or omissions, such as missed deadlines or incomplete forms. These issues can result in delays or denials, but they are often correctable with proper documentation and communication.
• Lack of Cooperation: Insurance companies may require claimants to undergo medical examinations or participate in rehabilitation programs as part of the claims process. Failure to cooperate with these requirements can result in claim denial or delay.
• Policy Cancellation or Lapse: If the policyholder fails to pay premiums or if the policy is canceled or lapsed for any reason, coverage may be terminated, and disability claims may be denied.

Attorneys That Specialize in Handling Your Disability Insurance Claims

As a law firm that specializes in helping people get disability benefits from insurance companies, Dabdoub Law Firm has a team of attorneys who are experts in disability insurance.

Why Us?

• Every lawyer at our firm focuses on disability insurance claims, appeals, and lawsuits.
• We have a proven track record of success – we have won major disability lawsuits in federal court.
• We have recovered millions of dollars in disability benefits for clients across the country.
• Our disability lawyers have challenged every major insurance company and know their tactics.

You worked hard. You paid your premiums. Now, the insurance company doesn’t want to give you the money you deserve. With so much at stake, shouldn’t you have experienced disability lawyers on your side?

Because federal law applies to most disability insurance claims, your disability lawyer does not have to be located in your state to help. We help claimants in McKinney, across Texas, and throughout the United States.

Call us at (800) 969-0488 or contact us online to schedule a free consultation and speak with a disability insurance lawyer about getting the disability benefits you paid for.