Disability Insurance Attorneys in Philadelphia

Free Consultations Available – Call (215) 278-4449

High-income professionals such as physicians, attorneys, and business owners often purchase individual disability insurance to cover loss of income and other expenses, should they become unable to work for an extended period due to a debilitating illness or injury. When you purchase individual disability insurance, you enter into a contract with the insurance company. As long as you pay your premiums on time, the insurance company promises to cover specified expenses after an injury.

Unfortunately, insurance providers don’t always honor their end of the agreement. They often draft policies with ambiguous and confusing contractual terms that allow them to interpret their responsibilities in a way that is best suited to their bottom line. In addition, many insurance providers use deceptive tactics to delay and deny legitimate claims, thus thrusting the burden back onto the policyholder.

Insurance providers make every effort to keep their costs down and their profits up, sometimes at the expense of policyholders with legitimate claims. Our Philadelphia disability insurance attorneys at Golomb & Honik, P.C. have extensive experience challenging insurance companies and recovering the financial compensation to which disability insurance policyholders are entitled and need. If your claim has been unfairly denied, call us at (215) 278-4449. We would be happy to evaluate your case free of charge.

What is Disability Insurance?

Disability insurance is generally intended to cover any injury or ailment that renders you unable to perform your occupational duties. This may include permanent physical injuries, neurological disorders, degenerative diseases, chronic illnesses, or cognitive impairments. The more benefits a policy offers, the higher the premiums usually are, and individuals pay these premiums to ensure that they are taken care of if a serious injury or illness occurs.

An important distinction between group disability insurance and private disability insurance is that while group disability insurance will replace your lost income, private disability insurance plans will usually provide payout when you lose your ability to work in your specific occupation.

Insurance companies market these individual disability insurance policies to high-income professionals who stand to lose the most if an injury or illness suddenly prevents them from working. At Golomb & Honik, P.C., we have represented a variety of professionals whose disability insurance claims were inexplicably denied, including:

  • Doctors
  • Dentists
  • Mental health professionals
  • Lawyers
  • Executives
  • Accountants
  • Business owners
  • Architects
  • And more

When Insurance Companies Refuse to Pay

Insurance companies will do anything to avoid paying a claim. They will begin by examining your application and looking for any reason to deny your claim. They may claim that you had a preexisting condition related to your disability, or they may attempt to retroactively cancel your policy. They may make unreasonable requests that you submit to specific medical testing, see their own personal doctors, or submit tax records from years past. They may even resort to hiring a private investigator to follow you around in order to claim fraud or deny your claim on unsubstantiated grounds. Why do they do this? To avoid paying claims-even legitimate ones.

Suffering a disabling injury or illness can be stressful enough for you and your family, forcing you to cope with rapidly mounting medical expenses and other challenges. If your disability insurance provider denies or delays your claim, you may be left feeling even more helpless and confused about what to do next. When a disability insurance provider delays or denies your claim based on a technicality or the questionable interpretation of its own policies, our dedicated disability insurance attorneys may be able to help you recover the compensation you rightfully deserve.

Contact our legal team today at (215) 278-4449 to schedule a free and confidential consultation at our office.