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Insurance companies deny benefits to company employees for a variety of reasons. Excuses range from failing to receive documentation on time, failing to receive medical reports, arguing that the ailment is not a covered disability, etc. Bad faith claims are basically a breach of the insurance contract, or an excuse for insurers to use non-legitimate reasons to deny claims. Insurers have a duty to the insured to examine claims in good faith and use fair dealing when evaluating those claims.
Insurers have been found liable for denying coverage on claims brought by disabled professionals for decades. Beginning in the 1970s, some insurers oversold disability policies to younger professionals, anticipating that few claims would mount from this low risk population. However as the policyholders aged and professionals became disabled, the claims mounted steadily. As a result, some of the companies decided to cope by unfairly denying claims to employees in order to cut their losses.
Those who have adhered to their companies codes of conduct and practice should not be penalized for situations and events that are out of their control. Companies and insurance carriers who deny employees access to a benefits compensation package must have irrefutable proof that the employee is seeking undue compensation. Aggressive and experienced attorneys will use all available resources to refute those allegations, and work tirelessly to help you collect the compensation you deserve.
