The Law

Insurance companies are required to act honestly and fairly. This duty is in effect every time an insurance contract is signed.

If an insurance company violates this duty, policyholders and their lawyers have a right to sue the provider in court to earn the money to which they are entitled, as well as additional compensation and attorney fees.

Don’t find yourself grasping to make ends meet to pay for the care you need. If Unum, Cigna, Standard or any other provider has unfairly denied your claim, our lawyers can help right that wrong.

Examples of Unfair Practices

Here are some of the most common examples of insurance actions that can violate the law:

• Failing to promptly and completely investigate a claim
• Delaying payment unreasonably
• Denying benefits on a legitimate claim
• Unreasonably interpreting policy terms and language
• Refusing to reimburse you for your entire loss under a legitimate claim
• Failing to provide a clear explanation for denying a claim
• Failing to tell policyholders of all benefits available to them
• Making it too difficult or exhaustive to provide adequate documentation

These are among several reasons that can be successfully challenged in court by our experienced lawyers.

You Could Help Others

Filing a lawsuit against an insurance company that unfairly denies benefits to protect its bottom line sends a clear message that policyholders will not stand for such behavior.

In 2004, Unum reached a settlement in court that required the company to re-haul the way it went about handling claims and reassess more than 215,000 claims it had closed or denied.

If a lawsuit forces your insurance provider to abandon its fraudulent practices, many others who would likely be harmed will be spared the indignity of losing their home or working an extra job to pay expenses their insurance company should have covered.

To determine your best course of action if you’ve been victimized by your insurance company, contact us for a free consultation with our one of lawyers. They understand the law and will fight for your rights.