The case studies discussed on our website illustrate that insurance companies will use every tactic and game to improve their chance of winning a denial of benefits. A disabled person (claimant) needs to understand that at the very beginning that this is not a search for truth, but a search for justification of saving the insurance company and its stock holder’s dollars.
In both the disability resources pages, where we identify numerous cases that we have handled and the many different legal papers that are required to properly present your case, and the case studies discussed is in the following web pages, it is clear that a person who is fighting for what they deserve needs help. A claimant is going through undoubtedly the toughest medical time of their lives and is not equipped for a fair fight with an insurance company. Research must be done and a claimants doctors must be attuned to the cold business reality that their medical opinions regarding their patient’s difficulty and possibly even tragedy is not the end of the conversation.
These few examples in our case studies are meant to show how technical and aggressive protection of an insured’s rights at every step of the claims process can prevent a defendant/insurance company from taking advantage; whether it be by misconstruing and twisting a worker’s job description versus what the actual job duties are, or by using the medical evaluation that they refer to as independent to bolster a wrongful denial of a claim.
From Miami to Jacksonville, Orlando to Tallahassee or Tampa to Ft. Lauderdale, the routine is the same. Insurers asking injured or sick people to provide useless information multiple times, travel extensively for unwarranted exams by inappropriate medical providers. There is never a need for a psychological exam in an injured back or a cardiac case unless the patient/claimant puts a mental or nervous condition in dispute. There should not be an unchallenged examination by a physical therapist or technician when the Plan or Policy specifies medical doctors. Do not give the insurance company any unfair and inappropriate advantage.
Wagar Law, P.A. prides itself at fighting at every turn for its clients and being well versed in all the different tricks that the insurance company may use to unsuspecting people. It is our hope that these examples will serve as cautionary tales to anyone who believes that they are simply following a procedure based on determination of actual disability versus what really is occurring, dealing with an insurance company whose primary responsibility is to its bottom line and its stock holders.