Boca Raton Private Disability Insurance Lawyer

Private Disability and Accident Insurance Claims in Florida

If you’ve become disabled and unable to work, and your disability insurance provider denies payment of your benefits, we can help you. Disability and accident insurance companies sometimes use unfair, deceptive practices in attempts to deny payment. When this happens, you need and attorney who can investigate your claim. The Law Firm of Joseph J. Rosen, P.A. is an experienced Florida disability lawyer with years of experience in helping people get the most out of their disability benefits.

Do I have a disability claim?

If you have questions about whether or not you have a valid Florida disability claim, it’s best to get help from an attorney. In general, you might be considered disabled if able to prove the following:

• You have a severe mental or physical illness or injury that impedes your ability to work or maintain employment.
• Your condition is found on a list of approved disabling conditions.
• You are unable to move to a different line of work.

Insurers will do everything they can to deny payment, and they often rely on the fact that most don’t know the law and procedures, so are limited in their ability to fight and win disability benefits.

If you have a claim against your insurance carrier for unpaid disability benefits, please contact us at 561-638-8593 for further assistance. If we cannot help you, we can refer you to someone who can.

What types disability claims are there?

There are several types of disability insurance, and the laws vary accordingly. We offer a range of help and experience for the various kinds of disability cases. Our Firm generally handles the following types of Florida disability claims:

• Short Term Disability
• Long Term Disability
• Life Insurance – Critical Illness
• Accidental Injury
• Accidental Death

What is the Governing Law in disability claims?

Disability claims can either be governed by state law or federal law via the Employee Retirement Income Security Act (ERISA). A group disability policy which derives from an employee benefit plan is generally governed by ERISA law. An individual disability policy or a non-employer based group policy will not be governed by ERISA and will be governed by state law.

Did you exhaust your administrative remedies?

If your disability claim is governed by ERISA, you will be required to first exhaust all administrative remedies, such as internal appeals, before legal action can be taken against the disability carrier. If your policy is through an employer, check the Summary Plan Description brochure received from your employer. This document should describe the procedure for filing claims and appeals of your disability benefits claim.

Contact us today to start receiving your disability benefits

If you want to pursue a disability or accident claim against your carrier, contact our Florida disability lawyer today. Please give us a call at 561-638- 8593 for a FREE consultation.