Typically people become disabled and unable to work and then make an application for disability benefits.
The forms are filed out by the insured and then sent to the insurance company. The insurance then reviews the claim to make sure that;
- The application is complete,
- The terms of the policy have been complied with e.g. waiting periods,
- Any medical evidence has been submitted, and
- Is there an opportunity for the insurance to deny the claim.
Upon receiving the application for insurance benefits the insurance company will be looking for issues in your application.
As the insurance is a for profit business if they can deny or reduce the amount paid out for your claim, they will look for reasons to do so.
Many people looking to represent themselves will find that the application process for a critical injury or disability becomes very frustrating as the insurance will be looking to dispute the claim where ever possible.
As skilled and experienced lawyers at can offer you representation at an affordable rate.
Our patience, skill, insight and experience can serve you moving forward when the insurance company denies a claim.
Insurance companies look to save money and reduce insurance claims given that critical illness insurance tend to require substantial payouts to the insurance company.
The critically ill insured person cannot easily help with the investigation precisely because of his or her condition, and you need legal help.
If you or a member of your family has become critically ill, you probably cannot afford to have your claim denied. If your insurance company denies your claim, you will need expert, empathetic advice and representation, call Disability Legal.
Critical illness claims are subject to time limits and deadlines.
It’s important that you retain a lawyer as soon as possible to avoid the expiration of any benefits, and to maximize your chances of success.
We get you the maximum critical illness benefits that you are entitled to.
We offer a no obligation consultation with one of our critical illness insurance lawyers who can explain the process and how we can help you.