Discuss Common Insurance Company Tactics

Many insurance companies discourage their policyholders from seeking legal counsel when it comes to their disability¹ policies. The companies often try to settle claims as quickly and cheaply as possible. From “creative” interpretation of the policy language to blatant acts of bad faith, our attorneys have seen it all.

Disability insurance companies will try anything to limit their liability when a claim is filed.  Philadelphia UNUM disability lawyers at Edelstein Martin & Nelson, LLP will work to preserve your right to appeal a denial of your disability benefits.

Our Philadelphia disability insurance law firm can answer questions about your disability insurance policy and represent you in a coverage dispute with the insurance provider. We advise clients in Philadelphia’s Tri-State Area and across the United States.

Speak to a Legal Authority on Disability Insurance Claims And Surveillance Tactics

Unlike an easily observed disability, when someone becomes disabled due to a chronic condition, such as fibromyalgia² or mental illness³, it is important to seek the advice of a Philadelphia fibromyalgia lawyer who is considered an authority on disability insurance matters, whether it be long-term, group or individual disability issues.

Insurance lawyer profile, Keith Martin knows the tactics the insurance companies will use in order to discredit and deny your insurance claim, including:

• Using surveillance tactics to observe you during daily living activities
• Searching your Internet activities for possible “evidence”
• Minimizing your doctor’s opinions while maximizing their in-house doctor reports
• Using in-house vocational, medical and financial “experts” to put a negative spin on your case
• Hiring outside experts to carry out “independent exams”
• Asking you to submit to a “functional capacity” exam
• Misinterpreting or misapplying a policy provision
• Failing to seek a doctor’s opinion before denying your claim

Our disability lawyers will consult with a trusted network of medical specialists, actuaries, ex-insurance claims managers, forensics experts, longevity specialists, life care planning experts and vocational experts, to build your case and contradict the erroneous reports presented by the insurance companies.