Yes. At Aaron Waxman and Associates, we offer you a free, no obligation initial consultation where you can ask us about your disability claim, an insurance denial you have experienced/are experiencing or tell us about a personal injury that has happened to you. We will meet with you at a time that is convenient with you, in person, by phone or via Skype, depending on your location.

If your disability insurer has denied your claim, you should consider consulting a lawyer. Insurance policies are complex and contain many clauses (stipulations) that may be hard to understand or unclear. You may have applied for short-term or long-term disability benefits through your employer or you may have purchased an individual policy and made a claim under the policy that has been denied. There could be a number of reasons as to why your insurance claim is denied from an incomplete application to “lack of medical evidence” or failing to be under the regular care of an appropriate physician.

You can dispute an insurer’s decision to deny your claim (for short-term disability benefits, long-term disability benefits, critical illness insurance & life insurance). If your disability benefits have been denied, don’t be discouraged. You can dispute the denial by appealing the insurance company’s decision or you have the option of commencing a lawsuit (court action) against the insurance company. It is important to consult a lawyer as soon as you receive a denial letter from your disability insurer as limitation periods exist and you do not want to run out of time to sue your insurer. If you start a court action against your insurer as soon as possible, your case is in the court system faster and this will help to expedite matters.

A disability lawyer will help you to comprehend your insurance policy. A lawyer can help you to understand why your claim was denied and interpret the denial letter. A lawyer can help you to determine the best course of action after your claim has been denied by advising you of your options. By hiring a lawyer, you will be provided with information as to what type of medical evidence insurance companies are looking for, what your rights and obligations are as an insured person. If you have commenced a lawsuit against your insurance company, you will want to know what to expect during the course of legal proceedings. Your lawyer will guide you through the process and make sure you are kept apprised of all developments during your case.