Bad Faith Insurance
If you are one of the millions of Americans who dutifully pays your insurance company every month or year, you should expect your insurance company to hold up its end of the bargain in helping you recover from any health issues that you may have. However, sometimes insurance companies may fail in their duty to you, resulting in insufficient care for you and those you love.
When insurance companies act dishonestly or not as contracted, this is called bad faith. This occurs if a company denies you previously promised benefits or refuses to pay your claim for no valid reason. Additionally, if the company processes your claim illegally or even fails to process it at all, this can count as bad faith insurance as well.
Appealing an Insurance Claim
Should you choose to appeal an insurance company’s decision, you should make sure that you have a specific reason why you think your claim should be paid. Also, if you think that you are owed more money than the company offered, you can appeal this decision as well. However, if you plan on filing a lawsuit, there is typically a specific period of time in which you can do so.
Sadly, insurance companies can be especially unwilling to cover people with long-term disabilities (LTDs). People with LTDs may need a large amount of care and rehabilitation, and if they suffer from bad faith on the part of an insurance provider, it can delay them necessary treatment and help for their condition.
Fighting your bad faith insurance company can be intimidating. If you or someone you know has been denied care due to LTDs, you should contact a lawyer who can help you gain what is rightfully yours.