Illness or injury may prevent a person from working even when it did not result from another party’s negligence. In those circumstances, short-term disability, long-term disability, life, health or other insurance coverage may be central to financial stability.
Valiant Law reviews policy wording, medical evidence, occupational requirements and the insurer’s reasons for denying or terminating benefits. We help clients respond to requests, appeals, limitations issues and litigation when necessary.
Common disputed issues include the medical evidence, the policy’s disability definition, pre-existing-condition provisions, treatment requirements and whether the claimant can perform relevant work.
An internal appeal may be useful in some cases, but it can also affect timing and strategy. Obtain advice about the denial and applicable deadline.
Medical records and opinions are important, along with evidence explaining the claimant’s duties, functional restrictions and the real demands of the occupation.
