Disability Insurance Lawyers: How Eric Buchanan and Associates Can Help You Fight Wrongful Denials

If you’ve been denied benefits by an insurance company or the Social Security Administration, you may be facing a challenging and frustrating situation. Many people don’t realize that the insurance companies are not always on their side, and they often have an arsenal of attorneys working to protect their interests—sometimes at the expense of the policyholder. Fortunately, disability insurance lawyers like those at Eric Buchanan and Associates specialize in helping people fight back against these wrongful denials. In this article, we’ll explore how these legal professionals can support you, the reasons insurance companies deny claims, and the next steps to take if you find yourself in a similar situation.

Understanding Disability Insurance and Its Importance

Disability insurance is designed to provide financial support to individuals who are unable to work due to a physical or mental disability. This type of insurance can cover a variety of disabilities, ranging from injuries resulting from accidents to chronic medical conditions that prevent you from performing your daily work tasks. However, despite the importance of disability insurance in safeguarding a person’s financial future, the process of claiming benefits can be anything but straightforward.

Insurance companies, although legally obligated to pay benefits under the terms of their policies, often deny claims or offer only a small portion of the benefits promised. They have their own teams of lawyers who will use the law to their advantage to avoid paying out. This is where experienced disability insurance lawyers, such as those at Eric Buchanan and Associates, come in.

The Role of Disability Insurance Lawyers

Disability insurance lawyers are legal professionals who specialize in cases involving the wrongful denial of benefits from insurance companies. Their job is to ensure that the law is on your side and that you receive the benefits you are entitled to. These lawyers are experts in understanding the complex terms and conditions of disability insurance policies and have in-depth knowledge of the laws governing insurance companies and disability claims.

At Eric Buchanan and Associates, the legal team has helped thousands of people in similar situations. Their attorneys fight tirelessly to ensure that clients don’t have to navigate the complicated legal system on their own. From gathering medical evidence to filing appeals, disability insurance lawyers play a crucial role in making sure that people with disabilities can access the financial support they need.

Why Do Insurance Companies Deny Claims?

Insurance companies are in the business of making money, and paying out claims doesn’t always serve their interests. In many cases, they will deny claims or delay payouts to avoid the financial responsibility of honoring a disability policy. Understanding why your claim may be denied can help you prepare for the challenges ahead. Here are some common reasons insurance companies deny disability claims:

1. Lack of Sufficient Medical Evidence

One of the most common reasons claims are denied is the failure to provide sufficient medical evidence to prove the disability. Insurers often argue that the medical records don’t fully support the claim, or that the disability doesn’t meet the insurer’s specific criteria.

2. Pre-existing Conditions

Some insurance policies have clauses that exclude coverage for pre-existing conditions. If you had a medical condition before purchasing the policy, the insurance company may claim that your disability is related to this condition, thus denying your claim.

3. Failure to Meet the Policy’s Definition of Disability

Each insurance policy defines disability in specific terms, and insurers may argue that your condition doesn’t fit this definition. For example, the policy may require that you are unable to perform any job at all, not just your specific job.

4. Non-Compliance with the Policy’s Terms

Insurance policies often have strict terms and deadlines for filing claims, providing additional documentation, or attending medical evaluations. If you miss a deadline or fail to comply with the terms, your claim could be denied.

5. Fraud Suspicions

In some cases, insurance companies may deny a claim based on their suspicion of fraud, even when no fraud has occurred. They may argue that you are exaggerating your condition or that the disability is not as severe as you claim.

While these are common reasons, many denials are simply unjustified or based on technicalities that can be challenged in court.

The Disability Insurance Claims Process

The process of filing a disability insurance claim and appealing a denial can be long, complicated, and overwhelming for most individuals. Disability insurance lawyers like the team at Eric Buchanan and Associates specialize in guiding you through every stage of the process, ensuring that your rights are protected.

1. Filing the Initial Claim

The first step in the process is filing your claim. This can be a confusing and detailed process, as insurance companies often require specific forms, medical records, and supporting documentation. A disability insurance lawyer will help you gather the necessary information and ensure that the claim is submitted correctly.

2. Appealing a Denied Claim

If your claim is denied, the next step is to file an appeal. This is a critical stage of the process, as many claims are overturned during the appeal phase. However, filing an appeal requires legal expertise to address the reasons for the denial and present a strong case.

3. Litigating in Court

If your appeal is unsuccessful, your next option may be to take your case to court. Disability insurance lawyers who specialize in litigation are essential at this stage, as they have the knowledge and experience to fight your case in front of a judge.

Why Choose Eric Buchanan and Associates?

When dealing with a disability insurance claim denial, you need a team of experienced attorneys on your side. Eric Buchanan and Associates has a proven track record of helping clients successfully appeal denied claims and fight insurance companies. Their team works tirelessly to ensure that clients receive the benefits they deserve. Here’s why choosing Eric Buchanan and Associates makes sense:

1. Expert Knowledge

The attorneys at Eric Buchanan and Associates are experts in disability insurance law and have years of experience helping clients navigate the complex claims process.

2. Proven Success

With thousands of successful cases, Eric Buchanan and Associates has built a reputation for getting results. Their legal team has helped people fight against large insurance companies and the Social Security Administration to ensure they get the financial support they need.

3. Personalized Service

Every client’s situation is unique, and the team at Eric Buchanan and Associates provides personalized attention to each case. They understand that disability cases are often emotionally and financially taxing, and they work to make the process as stress-free as possible.

4. No Fees Unless You Win

The firm operates on a contingency fee basis, meaning they only get paid if you win your case. This ensures that their interests are aligned with yours and gives you peace of mind that they will fight for your best outcome.

Conclusion: Get the Legal Help You Need

Being denied disability insurance benefits can feel like a battle against a system that is supposed to be there to protect you. Insurance companies are well-equipped with lawyers who will do everything they can to deny your claim, but you don’t have to face them alone. Disability insurance lawyers at Eric Buchanan and Associates have the expertise and experience to help you challenge wrongful denials and fight for the benefits you deserve.

If you’re dealing with a disability claim denial, it’s important to act quickly and get legal assistance. Don’t let the insurance companies win—reach out to Eric Buchanan and Associates today and take the first step toward securing the financial support you need.

By working with dedicated disability insurance lawyers, you can ensure that your rights are protected and that you have the best chance of overcoming any obstacles in the claims process.