You buy insurance policies to protect yourself and your family. When a disaster hits you and or your family, when you are diagnosed with an illness, need long-term care, you start to heavily depend on the insurance company to be there. Unfortunately it doesn’t always work out this way. Sometimes insurance companies fail to live up to their own terms of their policies and your claims start to be denied, hitting you with enormous expenses, not to mention the cost of your premiums over your insurance policies lifetime.
When events such as these happen, an insurance lawyer can help you the individual policy holder fight the insurance companies and try to help you in getting back on your feet.
An Experienced Insurance Lawyer Stew Karlin
Over the years Stew Karlin has represented numerous individual insurance policy holders against large companies. Contact Stew today and see how he can be of help.
DENIAL OF INSURANCE CLAIMS
If a person is represented by a qualified attorney there is a greater chance of success than if the person does not hire an attorney. Here, we can be able to get your claims approved, stop your disability claim from being terminated, negotiate your disability policy settlement or handle your law suit or appeal. We also help professionals and clients that have been unfairly denied long or short term disability benefits.
Disability Insurance: Is a purchased coverage to protect an employee from lost pay while he/she is unable to work i.e. “disabled”. The disabled income is paid to the employee in the form of disability insurance weekly or monthly.
General-Disability Insurance: Are benefits to an individual who is not able to perform any job that he/she is qualified for due to an injury or sickness. If the policyholder can perform certain job position the he/she are qualified for or cannot recover.
Occupational-Disability Insurance: This benefit is for a person that cannot do his/her regular job duties due to an injury or a sickness.
The Employee Retirement Income Security Act (“ERISA”) typically dictates long term disability claims. Many individuals purchase long-term disabilities policies through their employer and therefore are subject to restrictive ERISA regulations. An ERISA disability lawyer such as Stewart Karlin has the experience to handle long term ERISA disability claims. Since ERISA is incredibly complicated and complex only an attorney with experience in all aspects of ERISA disabilities claims can assure your needs are met.
Medical and Property Claims
Here, we can be able to get your claims approved, stop your claim from being terminated, negotiate a policy settlement or handle your law suit or appeal. We also help professionals and clients that have been unfairly denied insurance benefits.