Disability Insurance Policyholders Bill of Rights

The Right to Review Your Policy and Data

Disability insurance policyholders have the right to receive and examine all data and materials that the insurance company will use to evaluate your claim.
In fact, under ERISA regulations policyholders must receive a copy of their policy and claim file within 30 days of requesting it.

Information and Records Pertaining to Your Claim Must Remain Confidential

Policyholders have the right to know what type of records are being requested by the insurance company to evaluate their claim. The insurance company has a responsibility to treat all sensitive information with respect and to keep it private.

The Right to a Timely Claim Decision

Disability insurance providers have a responsibility to render a decision about your claim in a timely manner. If your claim falls under ERISA the insurance company must typically issue a decision within 30 days, unless otherwise stated in your policy. If you claim is denied the insurance company must notify you in writing within 30 days stating the reason why your claim was denied.

The Right to Good Faith Evaluations

Policyholders have the right to expect their disability provider to act in “good faith” when evaluating their claims. This means that the company and their employees should be objective and not have any quota or prejudice when evaluating a claim.

The Right to Appeal and Legal Action

Policyholders covered under ERISA have the right to appeal a denied claim, and to have an independent review of the claim. Non-ERISA disability policyholders have the right to report bad faith denied to state regulators and to hire and attorney to file suit against their insurance provider.

Protecting Your Legal Rights. No Upfront Legal Fees

If you have been disabled and are unable to work you are entitled to collect disability benefits from your insurance provider. If your claims denied, contact Mark & Associates, P.C. today to have an attorney examine your claim for absolutely free.

Mark & Associates, P.C. represents disability insurance clients on a contigency basis, This means we don't require and up front money and we only get compensated if we recover money for you.

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State Choose State ALABAMA ALASKA ARIZONA ARKANSAS CALIFORNIA COLORADO CONNECTICUT DELAWARE DISTRICT OF COLUMBIA FLORIDA GEORGIA HAWAII IDAHO ILLINOIS INDIANA IOWA KANSAS KENTUCKY LOUISIANA MAINE MARYLAND MASSACHUSETTS MICHIGAN MINNESOTA MISSISSIPPI MISSOURI MONTANA NEBRASKA NEVADA NEW HAMPSHIRE NEW JERSEY NEW MEXICO NEW YORK NORTH CAROLINA NORTH DAKOTA OHIO OKLAHOMA OREGON PENNSYLVANIA RHODE ISLAND SOUTH CAROLINA SOUTH DAKOTA TENNESSEE TEXAS UTAH VERMONT VIRGINIA WASHINGTON WEST VIRGINIA WISCONSIN WYOMING

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