Insurance Law: Disability Insurance

Private disability income insurance is sold as protection in the event of long-term injury or illness. But when the time comes to file a claim, you may find your insurance company is not as cooperative as you'd expect. Or, you might find your benefits cut without adquate justification. Contact Fayetteville North Carolina insurance lawyer Thomas Pleasant if your disability insurance benefits have been denied or terminated.

Long-term disability insurance is offered in group plans through employers (ERISA), or through private policies purchased directly by individuals. Many choose private plans because they typically offer better benefits than an employer-sponsored plan, or because they are self-employed.

Disability income insurance replaces all or part of your earnings if you become unable to work because of a disabling injury or long-term illness (regardless of whether it is work-related). However, the secret of the industry is a tendency to deny a large number of initial claims, particularly larger long term claims.

To prevail in a disability income claim, the claimant must:

• Prove the disability
• Demonstrate that it prevents the claimant from performing claimant’s job

Benefits under your policy may differ if you are disabled from your “own occupation” (Occupation-specific disability) or if you are unable to perform “any occupation”.

Contact Fayetteville North Carolina disability insurance lawyer Thomas Pleasant to discuss your claim. Thomas Pleasant is dedicated to responsive and thorough legal representation.

The Law Offices of Thomas Waitt Pleasant, PLLC
427 Franklin Street
Fayetteville, NC 28301

Toll Free: 888-HELP-156
Phone: (910) 323-3250