Life insurance is designed so that if an individual pays premiums throughout a course of years, in the event he or she passes away unexpectedly, then his or her family and loved ones receive some financial security and support. However, when these benefits are wrongfully denied, litigation may be necessary to resolve the dispute. If your policy was provided through your employment, it may be subject to the Employee Retirement Income Security Act (ERISA). If so, there may be significant hurdles and pitfalls preventing you for successfully disputing a denial of benefits. We have the experience and knowledge to guide you through these obstacles. We represent clients with ERISA and private life insurance claims and disputes.
Representing Clients in Rhode Island, Massachusetts and Nationwide
At the law firm of Chisholm Chisholm & Kilpatrick LTD, our Rhode Island private disability insurance attorneys represent people whose long-term disability claims have been denied. Regardless of what stage you are at in seeking disability income benefits, our lawyers will fight to help you receive all of the benefits to which you are entitled.
Contact us today to schedule an initial consultation. We have law offices in Providence, Rhode Island, and Washington, D.C.
Seeking Denied Disability Benefits
At our firm, we help those people who may have bought a private disability policy and are now facing a denial of coverage. After paying monthly premiums for years and years, they become disabled after suffering an injury or illness (cancer, broken bones, back injury, fibromyalgia, multiple sclerosis) and are unable to work or perform their job. They make a claim for benefits and are denied because the insurance company claims they are not disabled, despite what a doctor states. They are left unable to work and without income. The insurance company can now be held liable for improperly withholding benefits.
Consequential and Punitive Damages
In addition to seeking unpaid disability benefits, an individual can also sue for any consequential or punitive damages. Consequential damages are those that an insured individual incurs in addition to not receiving benefits. For example, as a "consequence" of not receiving benefits, a person will lose their home since they no longer can make mortgage payments. They no longer can pay bills, pay for prescriptions, pay child support and then may lose custody of their children.
Punitive damages are those that are court-ordered to punish the insurance company for their wrongdoing in order to create a disincentive for other insurance companies in the future from acting in a similar fashion.
Denied Long-term Disability Benefits? Rhode Island and Massachusetts Disability Insurance Attorneys Can Help
Have you been denied long-term disability benefits? Discuss your case with one of our experienced private disability insurance lawyers today. Call 800-544-9144 / 800-250-7286 or complete the contact form on this website.
