Life, Health, & Disability Insurance

Contact Galine, Frye & Fitting to schedule a free initial consultation if you have been frustrated in your attempts to collect benefits that you are entitled to through life, health, long-term care or disability insurance.

We Sue Life Insurance, Health Insurance, and Long-Term Care Disability Insurance Companies

Whether you had a private disability insurance policy, or your insurance was provided through your employer as part of your total compensation and benefits package, you may have been shocked by an insurer's failure to pay a legitimate claim. Or your insurer may be dragging out processing your claim unreasonably. You may be stymied in getting the health care that you need because of your disability insurer's or health insurance company's neglect as they delay or refuse to pay. A life insurance company may be using technicalities to avoid making good on a valid life insurance claim.

Has Your Insurer Denied or Delayed a Claim in Bad Faith?

Our attorneys are experienced at bringing back to the table insurance claims adjusters who have denied or delayed claims in bad faith. We force their hands when they are plainly reneging on policies which they issued and collected premiums on. If necessary, we sue under ERISA to help our clients obtain the insurance benefits that are rightfully theirs.

According to the U.S. Department of Labor, ERISA (the federal Employee Retirement Income Security Act of 1974), "is a federal law that sets minimum standards for most voluntarily established pension and health plans in private industry to provide protection for individuals in these plans. ERISA requires plans to provide participants with plan information including important information about plan features and funding; provides fiduciary responsibilities for those who manage and control plan assets; requires plans to establish a grievance and appeals process for participants to get benefits from their plans; and gives participants the right to sue for benefits and breaches of fiduciary duty." http://www.dol.gov/dol/topic/health-plans/erisa.htm

Private insurance which you have bought on your own, not through your employer, is not subject to ERISA (Employee Retirement Income Security Act). This means that you are not restricted to recovery of benefits owed plus attorneys' fees when you win in an insurance dispute with a private insurer. You may in fact be entitled to punitive damages after a private insurer, in bad faith, has withheld benefits that you are rightfully entitled to.

There is no need to face insurance disputes on your own. Galine, Frye & Fitting offers free initial consultations. Learn how we can help you recover payment needed for medical bills and other expenses that are supposed to be included in your insurance benefits according to your insurance policy.

Contact us to schedule a free initial consultation.