Success Stories

 

Question the Obvious

Why shouldn't and insurance company be entitled to apply its deductible?  Well, wait a minute.  What if it really isn't a deductible after all?

All of the disability insurance companies have provisions in their long term disability policies that require a disability to last a certain period of time before the claim actually becomes "long term".  After that time has passed, the payment obligation begins, but the insurers always consider the initial time period like a deductible, with no money to be paid for that initial time frame.  In challenging this practice in a class action, Quadrino Schwartz has already won a preliminary ruling in which the court refused to dismiss the case, allowing it to proceed.  The case could ultimately reap rewards for thousands of disabled Americans who have been denied the first few months of payments under their insurance policies.