Disability insurance is supposed to provide financial security when injury or illness prevents you from working. When insurance companies wrongfully deny or terminate disability benefits, they leave policyholders in a desperate situation. GroverLawKC fights for disability claimants whose benefits have been denied or underpaid.
Short-Term and Long-Term Disability Insurance
Both short-term and long-term disability insurance policies can be sources of disputes. Insurance companies frequently deny claims based on technicalities, alleged pre-existing conditions, conflicting medical opinions, or surveillance. They may approve benefits initially and then terminate them prematurely based on an alleged "change in condition" they claim demonstrates you can return to work.
Disability insurance policies — particularly employer-sponsored policies governed by ERISA — are complex legal documents. Understanding your rights under your specific policy requires careful analysis by an attorney familiar with disability insurance law.
Social Security Disability Insurance
In addition to private disability insurance, many seriously injured or ill individuals may qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). The application and appeals process for these federal benefits is notoriously complicated, and the majority of initial claims are denied. Having an attorney advocate for you from the beginning can significantly improve your chances of approval.
Our firm helps clients navigate both private disability insurance claims and Social Security disability applications and appeals.
Do Not Accept a Denial Without Fighting
An insurance company denial is not the final word on your disability claim. Call GroverLawKC at (816) 533-3969 to discuss your options. We offer free consultations and work on a contingency basis for disability insurance cases.
Ready to Discuss Your Case?
If you or a loved one was injured in Kansas City or Overland Park, contact GroverLawKC today. The consultation is free, and there are no fees unless we win.