Las Vegas Long-Term Disability Insurance Attorneys
Fighting for You When Your Claim is Denied
Purchasing long-term disability insurance is a smart thing to do, whether it is through your employer or privately with an insurer. You never know if an injury or illness could leave you unable to work in the future. When you diligently pay your premiums on time, you expect the insurance protection to be there when needed.
Unfortunately, long-term disability insurance claim denials happen frequently, leaving people without the money to pay their bills and take care of their families. If you believe your long-term disability claim was unfairly denied by the insurance company, you should not give up on having your claim approved without a fight.
Our skilled attorneys at Leverty & Associates will help you understand your rights and advocate for your interests with the insurance company.
Turn to Us for Help with Your Long-Term Disability Insurance Claim Denial
Our Las Vegas long-term disability insurance attorneys are seasoned professionals with extensive experience taking on insurance companies on behalf of consumers. We will get to the bottom of why your disability claim was denied.
If the denial was in error, we will work to resolve the issue and get you on the path to obtaining long-term disability coverage. If our investigation indicates insurance bad faith, we will counsel you about your legal options.
Call our law firm to schedule a free consultation at (702) 507-0201.
Why Work with Leverty & Associates?
Our Legal Focus is Getting Insurance Policyholders Paid
Insurance and the laws governing it are very complicated. When your long-term disability insurance claim has been denied, you stand a much better chance of achieving a positive outcome when you work with a firm made up of attorneys whose main focus is insurance law.
We truly understand how insurers operate, how some take advantage of policyholders, and how to get results for clients in cases of unreasonable claim denials and underpayments. We are proud to have won over $150 million for clients in insurance claims cases. Here is more about us:
- Firm founder Gene Leverty was a Chief Deputy Insurance Commissioner for the State of Nevada, providing him with exceptional insight into how the big insurance system works.
- With a Master of Laws in Insurance and over 20 years of experience representing clients in bad faith cases, Attorney Patrick Leverty has the knowledge needed to resolve even the most complex long-term disability insurance claim disputes.
- Our insurance lawyers have over 100 years of combined experience practicing law.
- We have been an integral part of the legal community in Nevada since 1979.
- We have many satisfied clients—you can read what our customers say about us.
Our law firm provides free consultations and offers contingency payment arrangements, which means you do not pay us until and unless we get you a settlement or award.
How We Help with Denials of Long-Term Disability Claims
Our Law Firm Will Guide You Throughout the Claims Process
No matter where you are in the long-term disability claims process, we can help you if you are running into difficulty getting coverage for a legitimate claim.
We can help you build a strong appeal when you have received a denial letter. Knowing what to include in your appeal to get the insurer to pay up is not often clear-cut. However, as attorneys who have handled numerous disability insurance denial cases, we understand the evidence necessary to prove long-term disability. We can gather the evidence and fill out all the necessary paperwork, saving you the stress of undergoing the confusing process while you are injured or ill.
If you have not heard anything after filing a claim or appeal, we will contact the insurer to find out the reason. Sometimes insurers use stalling tactics to avoid paying claims. You may feel you have sent your claim or appeal into a void, as the insurer may not even respond to your requests for status. Getting an attorney involved can show the insurance company that you will not go away quietly, and they may resolve your claim more quickly.
Low-Ball Offers and Bad Faith
If your claim was not denied but you were made an unfair payment offer, we will work to negotiate a higher settlement. If there are signs of Insurance Bad Faith, we will investigate and, if that is the case, hold the insurer accountable through potential legal action.
In short, we will guide you from beginning to end in order to get you the best possible insurance recovery outcome. We know that when you are ill or in pain from a serious injury, the last thing you need to worry about is battling a big and impersonal insurance company that does not have your best interests in mind.
Was your long-term disability denied? To arrange a free consultation with our long-term disability insurance attorneys, call (702) 507-0201.
FAQs Answered by Our Long-Term Disability Insurance Attorneys
Here are common questions we receive from people who have experienced long-term disability insurance claim denials.
What are the Reasons Long-Term Disability Claims are Denied?
Denials can happen simply because the claim form was filled out incorrectly. Sometimes denials happen because insurers do not believe there is enough evidence of disablement from injury or illness. Or the insurer may claim that a condition was preexisting and so not eligible for coverage or that the specific condition is not covered by the long-term policy. These are a few examples—your company may have a different excuse for denying coverage.
How Do I Appeal a Disability Insurance Claim Denial?
When your claim is denied, you have the right to appeal. Your insurer should have included the reason for the denial and information about the appeals process in your denial letter. Once you understand why you were denied, you will know what additional medical records or other information to provide. One of our Las Vegas long-term disability insurance attorneys can help you develop a strong appeal.
What is Insurance Bad Faith?
Insurance bad faith is when insurers use unfair practices to deny, delay or underpay legitimate claims in order to save themselves money. They may not adequately investigate a claim or not process a claim in a timely way. Or they may flat-out deny a valid claim by intentionally misinterpreting policy language and coverage. Their actions must be intentional—an honest mistake by an insurance company that results in an initial denial is not bad faith.
How Will You Prove My Disability Claim Denial Was Due to Bad Faith?
We will carefully investigate your policy coverage, the reason for the denial, and your insurer’s actions in processing your claim. You can help by providing us with copies of medical reports, your policy, the denial letter, any appeals you’ve filed and the response to those appeals, and any other written communications between you and the insurance company. If you spoke to an insurance company representative on the phone, make written notes about what was said.
What Damages Can I Get if My Claim Denial Was Due to Bad Faith?
If bad faith is proven in your lawsuit, you could get payment for your original disability, as well as other possible economic damages caused by the insurer’s not paying your claim. You could be awarded damages for the emotional distress that you suffered because of the long-term disability insurance claim denial. If the insurer’s actions were especially bad, you might get punitive damages.
How Long Will It Take to Receive the Money I Need?
Every case is different. All the unique aspects of your claim will factor into how long it takes. The amount of money involved and the strength of the evidence of illness and injury leading to disability play a strong role. If your claim can be settled directly with the insurer, which is the case in many instances, you will receive money faster. If your case must be resolved in court, it could take a year or more. We will do everything we can to get you paid in as timely a way as possible based on the facts of your case.
These are broad questions and answers. For answers specific to your case, reach out to us directly.
Contact an Effective Long-Term Disability Insurance Claim Denials Attorney for Assistance
You made a wise decision to purchase long-term disability insurance to protect you financially should serious illness or injury prevent you from working. Now that you need it and it is being denied, you probably feel stressed and frustrated.
The good news is that insurance companies cannot simply deny coverage to policyholders without a valid reason. We will get to the bottom of why you are being denied, being offered inadequate coverage, or having your claim delayed. If you are owed coverage under your policy, we will fight for your right to get it.
Call (702) 507-0201 today to arrange a free consultation with one of our experienced Las Vegas long-term disability insurance attorneys.