Dirty Tactics Used by Insurance Companies

Insurance companies can deny your appeal on a whim. Don't let them get the best of your health. Contact our LTD Lawyers and disability lawyers today.

As a seasoned short-term disability, long-term disability and worker’s compensation firm, TSF Law has seen a plethora of bullying tactics and means of intimidation used by insurance companies to:

  • Deny submitted claims and legally obligated coverage
  • Have clients withdraw insurance claim appeals
  • Block worker’s compensation complaints
  • Deny full payouts of claims
  • Coerce claimants to settle for less than what they are entitled to

Insurance companies deny coverage and used bullying strategies when assessing claims because it is not in their interest to provide coverage; this is a financial loss to their company even though this is why their company exists – to provide financial security in times of need. By instilling doubt, creating even more stressful and demanding scenarios for those seeking coverage, insurance companies often succeed in not having to do their job.

Possibility for Court Case

This is not right, this is not legal, and TSF Law wants you to know that you have legal rights that the insurance company wants to convince you are not entitled to, but you are. They are relying on submissive and tired claimants to withdraw or not pursue a claim; TSF Law is there to fight for your rights.

Denied Insurance Claim

If you are facing a denied insurance claim, here are some key things you should know:

  1. If your insurance company is requesting that you be reevaluated by one of their allocated Medical Examiners (IME/EI), make sure to first speak with a disability lawyer. If you already have sufficient medical records supporting your claim, it is important that you understand that this “medical expert”, preferred by the insurance company, is employed by the insurance company to provide a professional opinion that is in the interest of the insurance company – to save them money and therefore deny your medical legitimacy.
  2. If you have sufficient evidence for your claim and have provided your insurance company with such, but are still facing a prolonged and tumultuous claim process, speak with a disability attorney. Insurance companies look to make the claim process stressful, in hopes that you will withdraw your pursuit for coverage. You may face:
    • Long wait periods that can last 1-6 months before you hear any feedback regarding a claim or recent inquiry
    • Be told one thing (like your claim has been approved) and then contradicting material later (be sent a bill without any coverage imposed by your insurance company
    • Are assured that you have provided enough evidence for your claim and then have your claim denied or questioned by another insurance employe
    • Constantly trying to reach your insurance provider, leaving messages and emails, only to be told that they have never received any contact from yo
  3. If you are being harassed, facing an aggressive investigation, and subjected to ongoing interrogations, contact a disability claims lawyer. Claims adjusters often get bonus incentives for the money they save their employers by not accepting legitimate claims. This often leaves many claimants as victims of intense bullying displays put on by insurance company representatives. You may have grounds for an illegal intimidation case against your insurance company if you you have been:
    • Subjected to harsh and even obscene language
    • Are accused of completely false claims
    • Asked for or confronted with embarrassing information that was not disclosed by you during the claims process
    • Aggressively surveillance by your insurance company (even by means of a private investigator)

Our Advocacy for Denied Claims

If you feel that your insurance company has been treating you unfairly, are finding additional stress has entered your life due to the way an insurance company has been handling your claim, contact a disability insurance lawyer immediately. By speaking with an attorney you can have stress elevated from your life and feel confident in your claim process.

Insurance Claim Processes

TSF Law knows how to navigate through a wide verity of insurance claim processes and will not subject our clients to any more negativity brought on by any insurance company. All further conversations and handling of documents will be taken care of by our legal and administrative team, and we will fight for your legal rights to a peace of mind and full access to the coverage you are legally entitled to. Furthermore, we help our clients identify and achieve full financial gain from their insurance claim and will seek damages if the insurance company is identified as acting in bad faith.