According to the Texas Department of Insurance, more than 2,000 insurance companies sell insurance products in the state. While you may presume that most act in good faith when it comes to upholding their end of an insurance policy, the unfortunate truth is that not all of them do.
In fact, many insured claimants are turned down for ERISA short-term disability benefits in Texas. Although the rationales can vary, Texas disability insurance companies often do this to save themselves money. When they are not paying on a claim, they are watching out for their bottom line.
In many cases, these companies are acting on bad faith and jeopardizing the financial future of insured parties. Fortunately, an experienced ERISA attorney may be able to help you with such a scenario. If you were denied a claim for disability, a Texas ERISA short-term disability insurance lawyer could work with you to examine your provider’s reasons for rejecting their claim and advocate for your best interests and benefits.
Texas courts cannot decide whether an insured person should receive ERISA disability payments or not. However, they can decide whether an insurance company was abiding by other laws when they denied a claim for such benefits.
There are actually no laws encoded in the Texas statutes that specifically address short-term disability insurance. Even still, under general Texas insurance laws, insurance companies are legally required to act in good faith and to honor their own contracts. When an ERISA short-term disability insurance carrier denies a claim, it is possible that they are acting in bad faith or breaching the policy contract with the insured.
A short-term disability insurance attorney in Texas could examine an ERISA claims denial to determine if the insurance carrier might be breaking any federal or state laws. If so, the rejected policyholder has the right to seek compensation for their claim in a court of law.
According to Texas case law—in particular, Hallmark v. Hand, 885 S.W.2d 471, 476—a contract must have the following elements present whether a Texas ERISA short-term disability insurance lawyer is involved or not:
Insurance companies in Texas that deny claims should be held accountable for their decision. By contacting a dedicated Texas short-term disability insurance lawyer, you could be treated with compassion and respect by a legal professional who knows how much of a financial burden and uncertain future you may be facing if your claim for short-term disability insurance is denied. Call today to get started reviewing your disability claim and get professional help with the next steps in the process.
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