Life, Health and Disability Insurance Defense
SC attorneys offering quality defense to frivolous claims and allegations for bad faith
At Montgomery Willard, LLC, our attorneys provide ethical representation to insurers in disputes with claimants. By applying rigorous scrutiny to questionable life, health and disability insurance claims, we hope to reduce incidents of fraud, thereby strengthening our clients to meet their obligations to honest policyholders.
Our Columbia, SC attorneys draw on more than 70 years of combined insurance litigation experience to construct your best defense, based on an in-depth evaluation of the facts, sound interpretation of the policy and strict application of current statutes and case law.
Columbia life, health and disability insurance defense attorneys fight fraud
The attorneys at Montgomery Willard defend life, health and disability insurance class actions. Our trial attorneys take decisive steps to prevent class certification, obtain declaratory judgments and arbitrate cost-effective resolutions. We defend against bad faith by asserting the company’s conformity with industry standards for processing claims and, when applicable, by identifying policyholder misconduct sufficient to void the contract, including:
- Policy lapse due to unpaid premiums
- Lack of insurable interest
- Misrepresentation
- Concealment
- Fraud
Disability lawyers guard against suspect claims
Insurance companies in Columbia, SC are rightly leery of disability claims that medical professionals cannot objectively verify. Claims of disability due to unprovable symptoms, such as chronic pain or fibromyalgia, deserve rigorous scrutiny. Since most disability insurance coverage offered by employers is subject to the Employee Retirement Income Security Act (ERISA), any denial or reduction of a claim must pass muster with the ERISA regulations. Montgomery Willard’s ERISA attorneys have vast experience litigating critical issues such as:
Calculations of disability benefits - Co-morbid conditions
- Definitions of disability
- ERISA preemptions
- Lump-sum buyouts
- Mental and nervous conditions
- Workers’ compensation or Social Security
- Offset for private coverage
- Preexisting conditions
- Professional employee issues
Our quality representation has protected our clients from losses due to illegitimate claims as well as civil damages.
Contact a knowledgeable health, life insurance and disability attorney in South Carolina
For quality representation for your life insurance and disability disputes, consult Montgomery Willard. Call us today at 803-470-0722 or contact us online.
