FAQ: Long-Term Disability, AD&D

Why do I need a Disability Attorney? An attorney can help you from start to finish in the process of obtaining disability benefits. From the initial application to appeals and, if necessary, litigation, an experienced disability attorney can help you navigate the minefield of loopholes, exclusions and excuses used to deny valid claims for benefits. The application processes for SSDI and private disability insurance benefits are similar in many ways. The main difference between the two, however, is that insurance companies are motivated by profits. Of course, they make money by charging premiums, but they also add to their bottom line by denying claims. Edward Doskey is familiar with the fine print in disability insurance policies and the tactics the insurance companies use to deny valid claims. He can aid with the application process by showing you how to avoid common mistakes thereby increasing the chances of having your disability claim being approved at the outset. Even if your claim is denied, Mr. Doskey has the experience needed to handle the appeal process, and, if necessary, to sue the insurance company to obtain benefits on behalf of disabled clients. What is LTD (Long Term Disability)? LTD insurance and SSDI are similar to each other in many ways. Both disability plans require claimants to make a written application for benefits and, if denied, the insurance company, like the Social Security Administration, issues a written reason for the denial and explains the claimant’s appeal options. While the claim evaluation processes may be similar, insurance policies or plans do not necessarily define “disability” the same way the Social Security Administration does. It is...

Denied Homeowner’s Insurance Claims

Attorney Edward Doskey in New Orleans, Louisiana represents clients with denied homeowner’s insurance claims. If your insurance company has denied a claim you have made with your homeowner’s insurer, contact...

Denied Life Insurance Claims

Attorney Ed Doskey in New Orleans, Louisiana represents clients with denied life insurance claims.   Rather than ongoing, monthly benefits, these insurance policies pay a lump sum of money in the event of an accidental death or loss of a limb (and sometimes an eye). The amount of the benefit depends on how much insurance is purchased and the nature of the accidental injury, dismemberment or death. However, as with Long Term Disability insurance (LTD), the AD&D insurance carriers do not always stand behind their customers. Sometimes insurance companies, relying on weak evidence, will deny a valid claim for benefits by accusing the claimant or the deceased of being negligent (e.g., operating a motor vehicle while under the influence of alcohol or drugs), or even of having committed suicide. As with LTD insurance, your AD&D coverage will be governed by ERISA if the insurance is provided in a private employer-sponsored plan. Otherwise, state insurance law will govern your claim. If your insurance company has denied your claim for benefits under an Accidental Death and Dismemberment (AD&D) policy, contact...

Denied Accidental Death & Dismemberment (AD&D) Claims

Rather than ongoing, monthly benefits, these insurance policies pay a lump sum of money in the event of an accidental death or loss of a limb (and sometimes an eye). The amount of the benefit depends on how much insurance is purchased and the nature of the accidental injury, dismemberment or death. However, as with Long Term Disability insurance (LTD), Accidental Death and Dismemberment (AD&D) insurance carriers do not always stand behind their customers. Sometimes insurance companies, relying on weak evidence, will deny a valid claim for benefits by accusing the claimant or the deceased of being negligent (e.g., operating a motor vehicle while under the influence of alcohol or drugs) at the time of accidental death, or even of having committed suicide. As with Long Term Disability (LTD) insurance, your AD&D coverage will be governed by ERISA if the insurance is provided in a private employer-sponsored plan. Otherwise, state insurance law will govern your claim. If your insurance company has denied your claim for benefits under an Accidental Death and Dismemberment (AD&D) policy, contact...

Denied Insurance Claims

AD&D – Accidental Death and Dismemberment Insurance Claims Life Insurance Claims Homeowner’s Insurance Has your claim been denied? Do you have questions about your case? Contact us. We can help. Last updated by Edward Doskey on November 2nd, 2014. Last updated by Edward Doskey on November 2nd,...