We represent highly compensated individuals (Professionals, Executives and Businesspeople) that purchased private IDI (Individual Disability Income) Policies; as well as those who have coverage obtained from an Association (Professional, Executive or other type of nationally aligned affinity group).  We also undertake representations if you were a member/insured under an employer Group LTD (Long Term Disability) ERISA benefit plan, instances where individuals are typically referred to as a plan participant.  Whether your coverage was obtained through an insurance broker, agent, employer or other insurance resource there is a possibility we can assist or guide you in some manner.

Through the years numerous different insurance companies have marketed and sold IDI (Individual Disability Income) policies, one company alone in mid-2005 having admitted to having in force at that time approximately 668,000 policies, virtually all of which were issued pre-1996. Base upon the reported actuarial attrition rates that number would almost certainly have exceeded 750,000 in force policies at the time the company stopped offering/withdrew those exceptionally liberal products from the market, but it was already too late since the damage was done because these were non-cancellable and guaranteed renewable contracts.

With that may policies having been sold and knowing that each company had endless choices to select from in devising the contract language (provisions, definitions, terms and conditions) to be utilized within their respective policies, it is understandable why there numerous different types and characterizations of disability, of course the most common referenced to as Totally Disabled/Total Disability, Residually Disabled/Residual Disability are definitions  that are regularly found in prior generation coverage’s as well as today’s IDI coverage.

The problem rapidly becomes how to figure out what the policy really says versus how the contract language has been and will be interpreted by the companies claims representatives.  The possibilities are dizzying and can make one think they are trying to solve a jigsaw puzzle that has an endless number of pieces.

So, if your insurance carrier refuses to pay some or all of the benefits your policy definitively states or seems to indicate you are entitled to receive, you may have a valid claim which could provide an meaningful entitlement for past and ongoing disability benefits.   Our in-depth knowledge, experience and resources enables us to effectively review and evaluate your claim, our team relies upon methodical and diligent reviews and analysis by skilled and experienced professionals to determine if your insurance company has been improperly denying or miscalculating your benefits.   It is not at all uncommon to find the insurance company has wrongly asserted that you are not entitled to current benefits nor are you entitled to benefits. 

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