Professionals like doctors, lawyers, and self-employed individuals often purchase privately purchased disability insurance to protect their income if they cannot work due to illness or injury. Unlike group policies, these policies are tailored to individual needs but can be more complex, and insurers often scrutinize claims closely.
At Randy Ai Law Office, we specialize in helping professionals navigate the disability claims process and fight back against unfair denials or delays. Whether you're applying for benefits or dealing with a denial, we offer expert guidance throughout.
How We Help with Privately Purchased Disability Claims
- Filing and Submitting Claims: We ensure that your claim is filed correctly, avoiding the common mistakes insurers look for. Our legal team will guide you through the application process and help you submit a strong claim.
- Denial of Benefits: If your claim is denied, we can appeal the decision and represent you in court if necessary. Insurance companies often deny claims on the basis of unclear policy terms or insufficient evidence, but we’ll fight for the benefits you’re entitled to.
- “Own Occupation” Clauses: Many policies include an “own occupation” clause, which provides benefits if you can’t perform your specific profession. We help you understand your policy’s terms and advocate for your rights when insurers attempt to limit your coverage.
- Handling Ongoing Claims: Once benefits are approved, insurers may continue to review your eligibility, sometimes unfairly stopping payments. We manage all communication with the insurer, ensuring you continue receiving the support you deserve.
- Partial Disability Benefits and Offsets: If you’re able to work in a reduced capacity, you may be entitled to residual or partial disability benefits. We’ll also help you navigate any offsets, like deductions from CPP or severance pay.
- Lump-Sum Buyouts: If the insurer offers a lump-sum buyout of your benefits, we’ll help you evaluate the offer to ensure it’s fair and in your best interest.
Why Choose Randy Ai Law Office?
- Specialized Expertise: We focus on privately purchased disability claims for professionals.
- No Upfront Fees: We work on a contingency basis, meaning you only pay if we win your case.
- Personalized Service: Every case is unique, and we tailor our approach to meet your specific needs.
Get the Disability Benefits You Deserve
If your privately purchased disability claim has been denied or you need help navigating the process, contact Randy Ai Law Office for a free consultation. We’ll fight to secure the financial support you need.
Call us now or fill out our online form to schedule your consultation.
