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Posted by on Jul 15, 2017 in Insurance Claims | 0 comments

Proving Disability in Disability Claims

Filling out disability forms is not the easiest task in the world. One of the hardest part in making a claim is proving your disability. After all, the insurance is called disability insurance. So, you should truly be disabled to be eligible for compensation.

According to the website of Fields Disability, insurance companies are out there to protect their profits and not your best interests. As a result, they may reject more claims than necessary. But this becomes a problem when they start to reject legitimate claims.

It is important to note that rejected claims are not always the result of insurance companies just maximizing their profits. Sometimes they are the result of the lack of evidence regarding your disability, which is a legitimate reason to reject a claim.

Do you really deserve coverage?

Yes, you are shelling out money to get insured, but it doesn’t mean that every claim you make deserve coverage. The insurance company will make its own investigation to determine whether you really deserve to be compensated or not, not just to save money, but to prevent unnecessary expenses on their part and unwarranted help on yours.

One of the strongest factors they consider is the legitimacy of your disability.

Are you really disabled?

To be disabled, the condition should partially or totally prevent you from going to work or doing specific tasks required for your job. Usually, there is an agreed upon number of weeks or months that you have this condition for it to be considered a disability.

However, being physically limited does not automatically mean that you are disabled. You also have to prove it in the most convincing way – medical science. You should be truly medically disabled, according to medical professionals. You should also have the proper medical records to back them up, such as clinical records to show that you are regularly getting treatment, X-rays and MRI’s to prove your condition, and written opinions from your physician to give a sense of authority to your claim.

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Posted by on Dec 12, 2016 in Insurance Claims | 0 comments

All You Need To Know About Bad Faith Insurance Claims

Insurance agents have a duty of loyalty and honesty to their clients. It is their job to ensure that their clients receive the amount indicated on their policy when making a claim. Unfortunately, this is not happening and customers are denied of the proceeds that they ought to receive. This is what is called bad faith insurance claims or “insurance fraud.” This happens when an insurance company refused to pay out the amount stipulated in the insurance policy.

The website of Williams Kherkher reveals that insurance bad faith happens because insurance companies want to minimize the payments they will make to the insured. Even if the insured is fully entitled to receive money from the insurance provider based on the policy, the insurer will do everything to save money by not paying everything they owed to the insured.

There are many instances when an insurance company is acting in bad faith. A common example is when the insurance company unreasonably delays the payment of insurance to the insured.

Every insurance policy has a stated or implied “covenant of good faith and fair dealing.” Part of acting in good faith on the part of the insurance company is paying the policy holder promptly. Their failure to do so is a violation of the “implied covenant of good faith and fair dealing.”

Should you push through with an insurance bad faith claim against your insurer, you can be entitled to receive compensation from your insurance company. You may be awarded with compensatory damages so you can return to the same position that you have been in had you been paid promptly and correctly. Likewise, the court may order the insurance company to pay you punitive damages. The amount of damages may vary from one state to another. In some states, there will be a limit on the punitive damages while in others there is no limit.

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