Los Angeles and Orange County Disability Insurance and ERISA Claim Attorneys Fight Ameritas Claim Denials
At McKennon Law Group PC, we aggressively fight insurers to pursue your right to receive benefits from life and long-term and short-term disability insurers like Ameritas, in part, because we know insurers like Ameritas. McKennon Law Group PC’s founder, Robert J. McKennon, and other attorneys at McKennon Law Group PC previously represented insurance companies for many years. We know how insurers operate. There is no law firm better situated to litigate your life, disability, medical or long-term care insurance claim denial than McKennon Law Group PC.
Ameritas Life Insurance Corporation is a mutual insurance company established in 1887. Like New York Life, Mass Mutual and Northwestern Mutual, Ameritas does not have shareholders, but is instead owned by policyholders. Ameritas provides several types of insurance coverage, including life insurance and employee benefits coverage for life insurance, disability insurance, and others. In 2005, Ameritas merged with The Union Central Life Insurance Company of Cincinnati and now focuses on group and individual disability insurance.
How does Ameritas Deny Life and Disability Insurance Claims?
Ameritas denies claims based on many reasons including, but not limited to, the following:
- Ameritas asserts the medical evidence does not support the life or disability claim
- Ameritas asserts the claimant did not provide adequate medical support for the life or disability claim
- Ameritas asserts the claimant did not provide documentation or proof of loss evidence in a timely manner
- Ameritas asserts the medical condition which is the subject of the claim is a pre-existing condition
- Ameritas asserts the insurance application contained materially false information, and thus the policy can be rescinded
- Ameritas asserts surveillance of the claimant suggests that the claimant is not totally disabled
- Ameritas asserts the claimant’s policy has lapsed for failure to pay premiums
- Ameritas asserts an exclusion in the life or disability policy precludes coverage for the claim
What Should Disability or Life Insurance Claimants Look for When Ameritas Denies a Claim?
- Ameritas improperly investigating the claim
- Ameritas improperly obtaining opinions from unqualified persons/supposed experts
- Ameritas improperly misreading or misinterpreting medical records
- Ameritas improperly hiring and using biased “independent” medical reviewers and examiners
- Ameritas improperly denying a claim without any medical examination
- Ameritas improperly refusing to acknowledge subjective disabling conditions such as mental disorders, autoimmune disorders, fibromyalgia, and chronic fatigue syndrome because there is no objective evidence of the condition
- Ameritas improperly asserting a pre-existing condition
- Ameritas improperly attempting to rescind the policy
- Ameritas improperly denying a claim with the intent to wear the claimant down to a lower settlement
- Ameritas improperly over-relying on surveillance evidence to conclude a claimant can work
- Ameritas improperly over-relying on social media evidence to conclude a claimant can work
- Ameritas improperly failing to have a meaningful dialogue with the claimant
- Ameritas improperly failing to use findings by the Social Security Administration to support a disability claim
If you feel you have a wrongfully denied claim for disability, life or other insurance involving Ameritas, the McKennon Law Group PC will fight for your life, disability and long-term benefits.
Having an aggressive and experienced disability, health and life insurance attorney is the most important decision you can make for the success of your insurance claim. If your claim for health, life, accidental death or dismemberment, short-term disability or long-term disability insurance has been wrongfully denied or suddenly terminated, fill out a free consultation form or call (949) 387-9595 to schedule a free consultation with the attorneys of the McKennon Law Group PC, several of whom previously represented insurance companies and are exceptionally experienced in handling ERISA and non-ERISA, bad faith insurance claims.