The hurdles faced by individuals with disabilities in Arizona are overwhelming. In the complex and frustrating world of disability claims, it can tempting to just give up. Trying to secure the benefits you rightfully deserve can feel like an uphill battle.
At the heart of any disability claims process, there is a key question: can the applicant truly be considered disabled? This question often leads to the need for an Independent Medical Evaluation (IME).
When it comes to the world of business insurance, understanding the fine print is crucial. One such term that often leaves business owners scratching their heads is "Employers Liability Exclusion".
When you enter into an insurance contract, it's more than just a business transaction; it's a promise. A promise that when disaster strikes, you won't be left in the lurch. That's why the principle of good faith and fair dealing is at the heart of every insurance policy.
Insurance are for-profit enterprises. As such, their first goal is to protect the bottom line—their profitability. If they have shareholders or investors, their goal is to keep the value of the company as high as possible. On top of this, it is estimated that fraud costs insurers billions of dollars a year. Given these realities, it is no shock that insurers may revert to many tactics to deny or rescind a claim made against a policy, even to the level of surveilling a policyholder with a disability claim.
A home is usually the largest investment any individual or family will make in their lifetimes in the United States. Buying a home involves several processes. For example, you will need a downpayment and qualify for a mortgage.
We buy life insurance as a cushion for our loved ones should we pass away before our time and even for the day when we have reached our anticipated ripe old age. We assume and expect that the insurance provider will honor their commitment and make the agreed-upon payout when the claim is made. However, what happens if the claim is denied? Do insurance companies really have legitimate reasons to deny a life insurance policy claim?
If you’ve been denied benefits from your Long-Term Disability (LTD) insurer either when you file your claim or after you've been receiving benefits, the insurer will try to cite reasons saying you are not disabled or are not disabled enough.
Businesses face liabilities on several different fronts depending on the nature of their business. If you operate a retail establishment, customers can injure themselves while shopping in your store, for instance, by slipping and falling.
The insurance industry heavily relies on contracts to set the ground rules for policy coverage and liability. Disputes related to a breach of contract can quickly become a serious concern. In such cases, reaching out to legal support may be the best way to clarify matters.
