Health, Life & Disability Claims
Arizona Health, Life, and Disability Insurance Claim Lawyers
People count on health, life, and disability insurance to protect themselves and their families when they need it the most.
However, when it comes time to file a claim, many find that their relationship with their insurance company becomes adversarial.
If your insurance company is seeking to undermine the credibility of your claim, deny it, or claim an exclusion, you need a
lawyer on your side to represent your interests.
At The Voightmann Law Firm in Phoenix, Arizona, our attorneys have experience with all types of health, life, and disability
policies. We also understand the tactics and strategies insurance companies use to challenge claims:
- In a medical plan, the insurance company may claim fraud or misrepresentation due to a preexisting medical condition that was not disclosed on the application.
- In a disability plan, in addition to misrepresentation of a preexisting medical condition, the insurance company may claim you are not disabled or not disabled enough to prevent you from working.
- In a life insurance plan, the insurance company may claim fraud or misrepresentation in not disclosing a health condition, or fail to pay benefits due to competing beneficiaries.
If an insurance company claims fraud or misrepresentation due to failure to disclose a medical condition, the insurance company
has to prove they would have not written the policy had the person filled out the form differently. In addition, courts distinguish
between actual fraud and legal fraud. Actual fraud is an attempt to deceive the insurance company. Legal fraud would be an act of
omission and does not mean there was an attempt at misrepresentation. It is often up to a jury to decide what is reasonable when an
insurance company denies a claim based on fraud or misrepresentation of an existing condition.
Insurance companies have years of legal experience litigating the terms of their health, life and disability insurance policies. However,
as an insured person, you also have laws on your side. When an insurance company refuses to deal with you fairly, they may be forced to
pay attorney fees and other damages in addition to the amount of your claim. For more information, see Damages
in insurance bad faith cases.
Contact Us For a Free Consultation
Contact an insurance fraud attorney
at The Voightmann Law Firm for a free case evaluation. We handle cases on a contingency fee basis, which
means you never pay attorney fees unless we are successful in obtaining compensation for you.