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Non-contestability Clauses |
A non-contestability provision generally requires that the insurance provider must challenge any statements made in the application within a certain period of time. This provision prevents a company from denying coverage based on mistakes or misstatements made when the application was filled out if they don't contest them early on. |
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Waiver of Premium Clauses |
A waiver of premium clause usually provides that the policyholder will not be required to make the premium payments during any period in which disability benefits payments are being made. Sometimes the waiver goes into effect immediately. Sometimes the disability must last a certain period of time. |
Bad Faith Insurance Claims
You should also know that there is no guarantee that your insurance company will not try to avoid paying your claims or lowering your benefits.
Read more about bad faith insurance issues.
Disability Insurance Law Firm
However, having a well-versed disability insurance attorney review your policy before you have a claim could make all the difference in the world when you actually need to make a claim or file an appeal after the denial of your claim. Our attorneys at Edelstein, Martin, & Nelson have vast experience in representing disabled doctors and other professionals when they have been wrongfully denied a claim or underpaid on a claim.
Whether you are a professional in private practice or own your own business, contact our experienced disability insurance lawyers at Edelstein, Martin, & Nelson for questions about your policy or claims. You may also contact the experienced lawyers at Edelstein Martin & Nelson for a free consultation if you are in the initial process of filing a private or group disability claim.
Visit our home website at www.law-pa.com.
From our law offices, Edelstein, Martin, & Nelson, located in Philadelphia, we represent clients in legal matters regarding private and group disability insurance. We practice throughout the area, including the Pennsylvania counties: Philadelphia County, Delaware County, Chester County, Montgomery County, and Bucks County, and cities: Media, West Chester, Norristown, Doylestown, West Goshen, Lower Merion, Haverford, Cheltenham, Abington, Pottstown, and Montgomery, and Camden and Cherry Hill, New Jersey.
