Principal Financial Disability Claim Denial
Whether you have disability insurance through your employer or you purchased your disability insurance separately, you are entitled to rely on the protections you have been guaranteed. Unfortunately, disability insurance providers are often more worried about protecting their bottom line than they are about issuing the benefits that they have been paid to provide. Millions of people apply for short-term disability (STD) and long-term disability (LTD) benefits every year, and every year massive insurance providers like Principal Financial deny as many as half of those claims.
The seasoned California disability insurance denial attorneys at Gianelli & Morris have dedicated years to helping injured clients obtain the benefits they are owed. We stand toe-to-toe with the biggest insurance companies like Principal Financial and make sure that they are held accountable for the benefits guaranteed in their policies. We make sure that those companies do not get away with any wrongful or illegal conduct in the review, processing, or payment of our client’s claims.
Who is Principal Financial?
Principal Financial Group is one of the market leaders in investment management, insurance, and other financial products. It is a member of the Fortune 500, with over half a trillion dollars in assets globally. A subsidiary of Principal Financial Group, Principal Life Insurance Company issues and handles disability insurance policies. Principal Financial offers a few types of disability insurance policies, including individual disability income insurance, individual catastrophic disability benefit riders, and group disability, both short-term and long-term.
When Should You Bring a Disability Claim Lawsuit?
Policy beneficiaries who file disability claims on their own are more likely to face claim denial. Retaining a knowledgeable disability insurance lawyer to work with you from the outset is the best way of getting a claim approved in the first instance, but even then, big insurance providers like Principal Financial may try to find some reason to deny coverage.
Whether you filed your claim yourself or with the help of an attorney, if you are not getting the benefits that you are owed, you may have grounds for a disability claim lawsuit. A disability claims lawsuit is appropriate when you have filed your claims with the insurance provider, the claim has been denied, and you have already gone through the internal appeals process to challenge the denial. You may also have a claim if your provider has been engaging in bullying or other inappropriate conduct such as stalling, issuing burdensome and unnecessary document requests, refusing to explain their reasons for denial, or avoiding your efforts to contact them. At that point, your best recourse may be to file a lawsuit fighting the denial and identifying any wrongful conduct perpetrated by the insurance company or other involved parties.
We Can Help You Get the Disability Coverage You Deserve from Principal Financial
The disability claim denial attorneys at Gianelli & Morris are ready to help you at any stage of your disability claims process. We can help you fight back when:
- Principal Financial or another insurance provider has wrongfully denied your claim
- Your insurance provider has inappropriately delayed in reviewing and processing your claim
- Your insurance provider has delayed paying you the benefits you are owed
- Your insurance provider has inadequately explained its reasons for denial
- You have been offered an unreasonable and unfair settlement for your claims
- You would benefit from assistance with filing your initial application
- Your insurance provider has engaged in other underhanded and wrongful tactics to avoid paying you the full amount you are owed under your policy
Gianelli & Morris is Ready to Help You With Your Principal Financial Disability Insurance Denial
If your short-term or long-term disability claim has been rejected, you do not have to accept the rejection at face value. A compassionate and dedicated disability insurance claim denial attorney can help you fight back against the denial and will hold your insurance provider to task for any shady or wrongful tactics. We help injured Californians with both STD and LTD denial appeals, no matter what bogus reasons Principal Financial has offered to justify denial.
If you have become disabled and need help pursuing a claim with Principal Financial, or if you hope to appeal a disability claim denial from Principal Financial or another California disability insurance provider, reach out to the seasoned Los Angeles insurance denial lawyers Gianelli & Morris for a no-cost evaluation of your claim at 213-489-1600.