What are the remedies if my insurance company denies my claim?
Many disability income policies have an internal appeals process when an adverse decision has been made on your claim. Thus, you must appeal directly to your insurance carriers prior to filing a lawsuit for breach of contract. If this is the case, it is imperative that you submit an appeal, with the appropriate information. If you do not, you may be in breach of contract. Also, be very careful in what information you provide and how you answer your insurance company’s questions during both the application and appeals process. Many insurance companies spend a great deal of money training their claims examiners and investigators on how ask questions that illicit certain information. Many truly disabled claims have been denied simply due to statements taken out of context that are difficult to reconcile once a lawsuit is filed. Do not take any requests for information lightly, no matter how harmless the question may seem. In the event that your appeal is also denied, you may proceed to th
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