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DISABILITY MORTGAGE DENIALS

Insurance Claim Denials / Disability Mortgage Denials

Mortgage Disability Insurance is linked to your Mortgage. Most lending institutions require you to have this coverage. The plan pays the bank if the insured becomes disabled and is unable to work.

These are ‘peace of mind’ contracts. The contract or policy will set out several definitions and terms. Contractual definitions and terms are almost always open to interpretation.

Most of these denials involve coverage disputes over allegations of misrepresentation, non-payment of premiums, definitions of disability and exclusion clauses.

Our mortgage disability claim lawyers have successfully resolved denied claims by bringing forth the medical and collateral evidence required to resolve disputes over disability mortgage coverage.

Even in circumstances where the insurance company permits you to appeal the decision, it is still important to seek legal advice from a disability mortgage claim lawyer for the following reason:

YOU ONLY HAVE A LIMITED TIME WITHIN WHICH TO TAKE LEGAL ACTION. THIS IS CALLED A LIMITATION PERIOD. WHEN THE TIME LIMIT BEGINS TO RUN WILL DEPEND ON THE FACTS OF YOUR CASE.

Time limits are not the same for every policy and every circumstance and that is why it is essential to get legal advice to know what time limits apply in your particular circumstance.

If an insurer has wrongfully denied you benefits, you may have no alternative but to take legal action.

6 WAYS INSURANCE COMPANIES DENY CLAIMS

Some of the most common reasons for insurance companies to deny coverage include:

  1. No Proof of Disability
  2. Changes in Medical or Functional Status
  3. Denial of Short Term Disability Benefits

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6 DISABILITY CLAIMS COMMONLY DENIED

Disability claims commonly denied include:

  1. Chronic Fatigue Syndrome (CFS)
  2. Depression
  3. Anxiety

Learn more

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