Colorado Disability Insurance Lawyer

One of the worst things that can happen after you become disabled is to have your private disability insurance claim denied. You purchased this policy to help you in just this type of situation and now you are trying to battle for the benefits you rightly deserve. You do not have to fight alone. The Colorado disability insurance lawyers of Cannon Law are here to help. Contact us today for a free case evaluation where we can review your legal rights and options.

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What Is Disability Insurance Bad Faith?

Insurance companies are for-profit entities that make money by bringing in more money in premiums than they pay out for claims. However, their actions are heavily regulated. Insurance bad faith occurs when an insurer does not fulfill its contractual obligation to pay a policyholder’s valid claim or fails to process the claim in good faith. Disability insurance bad faith occurs when an insured’s disability claim under their policy is wrongfully denied or delayed.

Awards and memberships

Some examples of insurance bad faith include:

• Refusing to return phone calls or other communications from the insured
• Failing to properly investigate claims
• Causing unnecessary delays
• Paying too little based on the value of the claim
• Misrepresenting policy language or terms
• Denying valid claims without a valid basis
• Making unreasonable settlement offers
• Failing to provide a reason for denial
• Citing non-existing policy language as a reason for denial

Common Reasons for Disability Claim Denial

There are many reasons why a disability claim can be denied, such as:

• Pre-existing condition – Claims can be denied if the insured enrolls in disability insurance through their employer and becomes disabled within 12 months of their coverage effective date due to the pre-existing condition exclusion. Disability plan administrators can investigate whether the claimant received medical treatment or medication for such conditions. These exclusions are usually associated with long-term disability benefits instead of short-term disability benefits.
• Not actively at work – Another reason why the disability claim is denied is because the employee was not “actively at work” at the time the disability arose. Most disability insurance policies require the claimant be “actively at work” in order to receive disability benefits. If the claimant was on a leave of absence or to take care of a loved one when they make their claim, it may be denied.

Client Reviews

What Our Clients Are Saying About Us

My Case Was Taken Care Of

“Sam and his team worked to make sure every aspect of my case was taken care of and that I was informed the whole way through. I know nothing about law or how the process works, so he explained everything to me in a way that was easy for us non-lawyers to understand. I can’t recommend them enough and everything they helped me with over the course of my 15 month case. I’d highly recommend!”

– Megan Neeley, Google Review

Attentive and Always Quick to Respond

“Sam was a great attorney to work with. The firm was attentive and always quick to respond to my questions and right away, from the first impression, I felt I was working with an intelligent and capable attorney who would look out for my best interest.” – Q.C., Google Review

Congenial and Easy to Work With

“The office staff was very congenial and easy to work with. Mr. Cannon was helpful for the details of the case and informative, It was my first experience with an accident case and I will recommend others to their office.”

– L.G., Google Review

Communication Was Great

“Sam was a great help with my situation. I’m glad I took the time to call him. He explained everything up front and pretty much everything went just as he explained. The communication was great through the whole process. I would certainly recommend him and would certainly use him again.”

– M.M., Google Review

They Really Set the Standard For Legal Help

“Sam Cannon is what you want in a lawyer. I’ve used them a couple of times now and each time I call, Sam’s always shown a level of dedication that’s beyond impressive. In fact, he often seems to be more passionate about my case than I was, which was refreshing because it’s rare to see that kind of care these days.

More than just a good person, Sam and company are excellent at what they do. Professional and, more importantly, timely. I’ve never not had a call or message returned within 24 hours. They really set the standard for legal help. If you find yourself in a bind, this is the firm to call.”

– K.G., Google Review

The Best

“Sam was my attorney when I got into my car accident and he was the best! He made it very comfortable and told and explained everything that was going on and what will happen! He was very sympathetic and showed that he really cared about me and was concerned about my health issues! I am very thankful for everything he has done for me and for my family. If anyone that I know needed help and needed an attorney, Sam would be the first person I would recommend! ”

– T.C., Google Review

Knowledgeable and Efficient

“Sam Cannon is very knowledgeable and efficient. He really cares about the little guy. When a landlord tried to take advantage of my naivety and swindle me out of my deposit, Sam was able to quickly get me my entire deposit back and gave me the information I needed to protect myself from such scams in the future.”

– Kayla, Google Review

Genuinely Concerned With My Well-being

“Sam and his group were very good to me! Sam always treated me and my time with respect and I always felt welcomed when I walked into the office! Thank you, Sam, for treating me as a person and genuinely concerned with my well-being as well as the rest of my family!!!”

– C.C., Google Review

Excellent Attorney

“Sam Cannon is an excellent attorney. He truly cares about what he is doing and about the people he represents, which I found very rarely when looking for legal representation for my father-in-law. Sam did the very best he could for us and I would recommend him to anyone seeking an excellent medical malpractice attorney.”

– Tilia, Google Review

Best Attorney I Have Dealt With

“Sam Cannon is dedicated, empathetic, efficient and trustworthy. Sam is the best attorney I have dealt with and there have been more than a few. Not only a skilled attorney and good human being he is probably the only attorney you will ever meet that returns phone calls and e-mails very quickly. I hope I never need another attorney but if I do, it will be Sam Cannon.”

– Ron, Google Review

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• Not continuously disabled – A similar reason for denial is that the claimant was not continuously disabled through the elimination period. Claimants must generally be continuously disabled throughout the elimination period to be eligible for disability benefits. If the claimant’s condition improves during the elimination period, the disability plan administrator may state that the claimant is no longer disabled.
• Failure to provide required documentation – Claimants must cooperate with their insurance company. They may be required to submit proof that they are under the regular care of a physician. The claimant may need to provide objective evidence, such as laboratory test results, imaging results, clinical findings, doctor’s notes, and similar information. The claimant may also need to provide documentation from their treating doctor that clearly explains why they cannot work. Claimants may also be required to submit proof of loss. If the claimant fails to provide the requested information within the allotted time, their claim may be denied.

While these reasons can be valid for denying a claim, they are not always. Every case is individual and must be individually investigated and processed.

Our Results Speak For Themselves

Product Defect

$1.46 Million

Confidential Product Defect Settlement

Carbon Monoxide Poisoning

$1.45 Million

Confidential Carbon Monoxide Poisoning Settlement

Premises Liability

$1.4 Million

Confidential Premises Liability Settlement

Commercial Vehicle Accident

$1.275 Million

Sam represented a man injured in a crash with a commercial truck.

Car Accident / Wrongful Death

$1.25 Million

Sam represented the mother of a young man who died in a car accident. We recovered substantial damages in a tragic case.

Car Accident / Traumatic Brain Injury

$1.2 Million+

Our client suffered injuries to her brain and back when she was rear ended by a person looking at his phone.

Commercial Vehicle Accident

$1.2 Million

Confidential Commercial Vehicle Accident Settlement

Motorcycle Accident

$1.1 Million

This case involved a motorcycle accident where two different vehicles were at fault for our client’s injuries. We were successful on both claims and received policy limits offer from both defendants.

Motorcycle Accident

$1 Million+

Sam represented a client who was injured in a motorcycle wreck. After pursuing claims against three separate insurance companies, Sam secured a settlement in excess of $1 million for his client without even having to file a lawsuit.

Commercial Vehicle Accident

$1 Million

Confidential Commercial Vehicle Accident Settlement

Construction Defect Wrongful Death

$660K

Sam represented the family of a woman who died after she fell on a dangerous condition. Through this case, the family received significant compensation.

Disclaimer: Each case is unique and previous results are not a guarantee of future results and that clients may be responsible for costs
• Fee comparisons must be factually substantiated (25% vs. 33-40% industry standard)

Get a free consultation Call us (970) 471-7170

How a Colorado Disability Insurance Lawyer Can Help

Disability lawyers have experience with Colorado Public Employees’ Retirement Association and ERISA plans. A Colorado disability insurance attorney can assist you with your disability claim by:

• Reviewing applicable policy language
• Identifying additional evidence is necessary to support the claim
• Supplementing the claim file to better develop it
• Requesting necessary medical opinions
• Making timely appeals
• Handling communications with the insurance company on your behalf

Our team will fight diligently to prove your eligibility and that you are entitled to benefits.

Injured in a Crash? Ask About Our 25% Fee Offer

Get a free consultation Call us (970) 471-7170

Contact Our Colorado Disability Insurance Lawyers

If your disability provider has wrongly denied your claim or otherwise acted in bad faith,  Cannon Law wants to help. Our Colorado disability lawyers can investigate the circumstances and the insurance company’s tactics for evidence of bad faith. Contact us at (970) 512-1678 for your free and confidential consultation.

Sam Cannon

Sam Cannon is a dedicated personal injury attorney representing individuals against large corporations and insurance companies. As the founder of Cannon Law, he has helped clients recover over $10 million in settlements and verdicts, focusing on traumatic brain injury and insurance bad faith cases.

Years of Experience: 10+ years
Colorado Registration Status: Active and authorized to practice law
Get in touch: Justia ; Yelp 

Get a free consultation Call us (970) 471-7170