Houston Bad Faith LTD Claims Attorney

Disability insurance is one of the most important assets a person with a disability can have, as it ensures a practical, secured income necessary for medical expenses, rehabilitation costs, and any lost wages associated with being disabled. As such, the thousands of people with long-term disability (LTD) insurance in Houston, who experience significant challenges participating in the local labor force, sorely rely on their benefits and protections promised by their insurance companies. They expect their insurance companies to promptly provide full benefits for a covered claim.

Unfortunately, for a myriad of reasons, some insurance providers act in bad faith. If you or someone you know has been denied settlement for a legitimate claim, or if the insurance company has acted in bad faith, it is essential to contact a Houston bad faith LTD claims attorney immediately.

Types of Bad Faith Insurance Claim Settlement Practices

As described by the the Unfair Claim Settlement Practices Act in Texas (Insurance Code Sec. 542.002), “an insurer engaging in business in this state may not engage in an unfair claim settlement practice.” The statute goes on to describe acts of bad faith as the following:

  • Knowingly misrepresenting facts or policy provisions relating to coverage
  • Failing to acknowledge a claim with reasonable promptness
  • Failing to adopt and implement reasonable standards for prompt investigation of a claim
  • Not attempting to effect a fair, equitable settlement of a claim submitted
  • Offering substantially less than the amount ultimately recovered in a suit

There are many other examples in which an insurance company can act in bad faith, and at times, insurance companies knowingly and maliciously disguise acts of bad faith. Some examples could include altering, without notice, the basis of an application or compelling insured individuals to institute litigation to recover amounts that are otherwise due under an insurance policy. With the help of Attorney William Herren, we’ll investigate every aspect of a LTD claim to determine where insurers are possibly acting in bad faith, and we’ll aggressively represent your interests to ensure full compensation according to your LTD policy.

How to Avoid Bad Faith LTD Claims

In most cases, bad faith LTD claims occur right under the noses of insured individuals, and it’s important to remember that, if acting in bad faith, the insurer will expertly hide any notion of wrongdoing. To avoid becoming a victim of malicious practices, there are a few precautions that you can take, some of which include:

  • Thoroughly researching the LTD insurance company for past instances of bad faith
  • Understanding (and possessing in writing) exactly what the company has said it will provide
  • Asking detailed questions about when disability benefits start and how long they are expected to last
  • Asking how much of your salary will be paid out as part of the disability benefits
  • Understanding the precise wording in documentation regarding total disability and waiting period
  • Diligently reviewing the policy, including all fine print
  • Consulting outside help from an experienced disability attorney or another insurance expert to learn standard practices

Filing a Complaint in Houston

If either you or your attorney has uncovered acts of bad faith LTD claim settlement practices, the next step is to file a complaint. There are, essentially, three potential recipients for a complaint, including the insurance company, the Texas insurance commissioner, or the court in the form of a lawsuit. Having a disability attorney during this stage is important, as precise wording and evidence presented in your complaint helps the process move quicker (allowing you to receive your benefits in full without further delay).

Insurance companies will sometimes prefer to deal with the situation immediately, without the possibility for further state or court action. For this step, Attorney William Herren will make sure that you have the right information showing, beyond a reasonable doubt, that your claim was denied in bad faith.

As of January 21, 2015, the Texas Commissioner of Insurance is David Mattax; the state office is located on 333 Guadalupe Street, Austin, Texas. One of the commissioner’s roles is to monitor and regulate claims handling, and so this is another option to recover your damages fairly quickly. The last option is to file a lawsuit and take the case to court, in which Herren Law will rigorously defend your rights and hold the insurance company accountable for its actions.

Contact Herren Law in Houston Today

According to state law, you are entitled to the benefits from an LTD insurance policy, and when an insurance company acts in bad faith, it could have serious ramifications on your finances as well as your physical health. With over 20 years of experience helping over 4,000 people with disability claims, Attorney William Herren provides unsurpassed commitment to ensure that you receive the benefits you deserve. Feel free to visit our Houston office at 6363 Woodway Drive, or you can contact us for a free consultation at (713) 682-8194. Don’t hesitate, these are your LTD benefits that you deserve today!

If you believe your LTD insurer has acted in bad faith, contact the Herren Law Firm today.

Call (713) 682-8194 today or visit our Houston office.