Individual Disability Claim

An individual disability insurance policy is one that was purchased privately (typically from your insurance agent) and was not obtained in connection with employment (see ERISA). The insurance policy is a contract between you and the insurance company that gives you definite legal rights. If your claim for disability benefits has been delayed, denied, cut off, or if you simply need guidance on filing a claim, we can help.

Not every dispute requires the filing of a lawsuit. In many cases we can use our knowledge of the inner workings of the insurance company to have the claim re-evaluated. For example, we can prepare a detailed written response to the company's denial letter providing medical, occupational, and legal arguments supporting your claim, thereby giving the insurance company a final opportunity to pay disability benefits and avoid litigation.

The filing of a lawsuit should always be the last resort because of the time, expense, and stress involved in litigation. However, if this is your only option, we have the knowledge and experience to effectively present your case. Our firm has litigated disability cases against most major disability insurance companies in both state and federal courts. The related legal fees and out-of-pocket costs are customized to fit the needs of the client.

Contact us for a free initial consultation and evaluation of your individual disability claim.

Call 602-264-6400 for a free telephone consultation or e-mail rmw@waughlaw.com