Salt Lake Personal Injury Attorney
Head Law specializes in Insurance Denial cases.
Typically, when an insurance company has wrongfully denied your insurance claim, you have experienced a traumatic change in your life, such as a serious illness, disability, or death.
At Head Law, we help individuals through the complicated and generally hostile insurance claims process, including administrative appeals, and appeals to the federal courts. We perform work on claims covered under the Employee Retirement Income Security Act (“ERISA”), private plans, and public plans, including the Public Employees Health Program (“PEHP”).
Health Insurance
If an individual has a health insurance policy, he or she expects her medical bills to be paid. However, sometimes insurance companies and other employee healthcare plans will deny valid claims, and refuse to pay for medical treatment.
Many times when insurance companies make that decision, they are wrong, and should not be denying the claim.
At Head Law, our goal is to help victims of health insurance denials to receive fairness, and maximum compensation.
Long-Term Disability
Injury or illness that prohibits work is stressful. Worse, being denied long-term disability (LTD) by an insurance company can cause a myriad of problems.
Unlike a disability claim with the federal government (Social Security disability), long-term disability insurance companies are not impartial. Long-term disability insurers have a vested interest in the outcome of LTD claims, because the more disability claims they approve and pay out, the less financially healthy their bottom line is.
Insurance companies are aware that the fewer long-term disability cases they approve, the greater their profit margins will be.
At Head Law, our goal is to help victims of long-term disability denials to receive fairness, and maximum compensation.
Short-Term Disability
Injury or illness that prohibits work is stressful. Worse, being denied short-term disability by an insurance company can cause a myriad of problems.
Short-term disability insurers have a vested interest in the outcome of related claims, because the more disability claims they approve and pay out, the less financially healthy their bottom line is.
Insurance companies are aware that the fewer long-term disability cases they approve, the greater their profit margins will be.
At Head Law, our goal is to help victims of short-term disability denials to receive fairness, and maximum compensation.
Life Insurance
It’s not easy to accept a denied life insurance claim, especially when you’ve likely paid thousands to your insurance company over the years.
Even when you’re diligent about understanding the details of your policy, your insurance company may turn down your claim. Their goal is to minimize their financial obligations, which often results in unfairly denied claims.
At Head Law, our goal is to help victims of life insurance denials to receive fairness, and maximum compensation.
Residential Treatment Facilities
Residential treatment facilities assist individuals struggling with behavioral, chemical, and other issues.
Millions of people have entrusted residential treatment facilities to provide top-quality service and to take care of loved ones.
The unfortunate truth is, residential treatment facilities have a long history of abuse and other wrongful, inappropriate conduct.
Residents sometime suffer physically, mentally, and emotionally, and the facilities involved are rarely held accountable.
At Head Law, our goal is to help victims of residential treatment facilities to receive fairness, and maximum compensation.
Fire Damage Insurance
The tumultuous aftershock that a fire can cause is a significant burden. All of your clothing, appliances, and irreplaceable memories can potentially be lost in a fire.
The stress only increases when a valid insurance claim is denied. As a policyholder who has diligently paid costly insurance premiums with the expectation of coverage, this can be life-altering.
At Head Law, our goal is to help victims of fire damage insurance denials to receive fairness, and maximum compensation.
Business Income Insurance
Natural disasters can wreak havoc on stores, offices, factories, warehouses and other types of business. Damages are often not limited to the physical structure of a property.
Businesses may also suffer from lost revenue and additional expenses incurred while trying to get profitable and running again.
Businesses damaged by catastrophic events will undoubtedly face major obstacles, but receiving appropriate and timely business interruption claim payment should not be one.
At Head Law, our goal is to help victims with business income insurance denials to receive fairness, and maximum compensation.
Bad Faith Claims
Unreasonable conduct by an insurance company in denying or failing to adequately investigate a claim may constitute a bad faith dealing.
When the insurance company searches for, and/or relies solely upon evidence which serves to support a denial, it holds its own interest above that of its insured and may be deemed to violate the implied promise to deal with it’s insured in fairly and in good faith.
At Head Law, our goal is to help victims of bad faith insurance claims to receive fairness, and maximum compensation.