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Presumptive Disability

Phoenix Area Presumptive Disability Claim Lawyers

Under most private disability income insurance policies, certain serious injuries or conditions presumptively entitle the policyholder to full benefit payout without a protracted investigation. These ailments generally include:

  • Loss of sight
  • Loss of speech
  • Loss of hearing
  • Loss of two or more limbs

Policyholders disabled by one of these ailments are usually not obligated to satisfy the conditions normally required in order to be considered totally disabled. Many policies allow presumptive long-term disability benefits to begin immediately and remain in place even if the policyholder is able to return to work.

At Surrano Law Offices, we regularly work with clients whose insurance carriers mishandle and delay presumptive disability claims by requiring policyholders to produce exorbitant medical documentation for claims that are presumptively valid. Some of these situations involve honest mistakes on the part of insurers, but others represent systematic attempts to deny legitimate claims in bad faith.

Our experienced lawyers will evaluate your rights and legal options based on the language of your individual policy, the particulars of your disability and the laws that are applicable to your case. We will work intelligently and tirelessly to get you the benefits you deserve.

Contact Our Scottsdale Disability Insurance Attorneys Today

Contact us to discuss your claim with a Phoenix area presumptive disability claim attorney. Our law firm serves clients throughout Arizona and, in some cases, California, Nevada, and Kentucky. We welcome inquiries and referrals from individuals and other attorneys.