Insurance companies want to take advantage. Always. Even now. We have not stopped working since COVID hit our shores and we will not stop now. We Continue the Fight Our offices remain open and our staff continues to work on helping our clients. We have safeguards in place to make sure we can protect your...
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You just received a letter from your long-term disability insurance company because they heard about the past-due disability benefits you were awarded from another source. Perhaps it was an award of past-due Social Security Disability (SSDI) benefits or it was from another disability policy you purchased. The insurance company now wants you to pay them!...
This firm’s philosophy is simple. We serve our client’s needs. Here at Sinclair Law Firm, every team member understands our clients outrank us. You are the reason we’re here. As part of that process, we stand ready at every step to guide you through your decision-making. We advise you on the law and the facts...
When we talk about individual disability insurance, we also have to talk about how the insurance companies fight the case. They’re going to fight these claims. Some of the claims are worth hundreds of thousands or millions of dollars over the course of life that they’re supposed to pay you. Honestly, the insurance companies will...
If you have a disability claim, you don’t want to walk around telling people that you’re retiring. That kind of phrase will come back to haunt you. The insurance company will dig it up and use it against you. You need to be careful with the way you interact with your physician. When you tell...
You thought you had insurance coverage and filed a claim, and instead of them paying your claim, what you got back was a check. In your most desperate hours, when you needed them the most, the insurance company has just refunded your premiums. Stop before you cash it. The reason is simple. If you cash...
Preemption is a legal term that essentially says goodbye to state law when it comes to ERISA. Unless state law is specific to insurance products, ERISA applies to your case. Forget about bad faith laws in your state. Forget about jury trials. ERISA applies. The preemption of federal law over state law is ERISA. That...
A lot of people have heard the cost of a lawyer being described as a contingency fee. That’s when the lawyer only gets paid if they recover on your behalf. Some people actually prefer to hire a lawyer by the hour. If that’s your preference, that’s also available here at Sinclair Law Firm. We have...