Insurance and Disability Lawyer Miami FL

Insurance and Disability Lawyer Miami FL

When you have an insurance policy with an insurance company, that policy is your contract. You live up to your end of the contract by paying your premium on time and the insurance company lives up to their end of the contact by quickly and fairly paying any claims you file with them. If you fail to live up to your end of the contract, the insurance company will cancel your policy. But what recourse does a client have if the insurance company does not live up to their end?

If you believe your insurance company is acting in bad faith and denying a legitimate claim or they are not willing to pay what the claim is worth, contact Needle & Ellenberg, P.A. to speak with an insurance and disability lawyer in Miami, Florida to find out how we can help you get the settlement amount you deserve. In the meantime, the following are some FAQs.

Can a client file a bad faith insurance claim against their own insurance company?

Yes, if the client’s insurance company has engaged in any bad-faith practice, Florida law allows the client to file a “first party” insurance dispute.

Can a victim file a bad faith claim against the other party’s insurance company?

Yes, if the at-fault party’s insurance company fails to process the claim that a victim has filed, the victim can file a “third party” bad faith claim against that company.

Do insurance companies actually try to lowball victims of accidents to try to pay the victim what they are entitled to?

Yes, insurance companies utilize all kinds of tactics to avoid paying a victim what their claim is actually worth. Lowballing is one of the most common tactics. An insurance policy is a contract between the policyholder and the company. This contract specifies the condition for which the client can file a claim and what the insurance company’s obligation is for paying that claim. Unfortunately, many insurance companies do not meet that obligation and do try to pay the client much less than what they are entitled to.

Does a victim need a Miami FL insurance and disability lawyer to pursue a bad faith claim against an insurance company?

Although there is nothing legally that requires retaining an insurance and disability lawyer in order to pursue a bad faith claim, having an attorney advocating for you lets the insurance company know that you are not putting up with the unfair way they are treating you. When a client hires an attorney, the attorney will deal directly with the company, negotiating effectively, and rebuffing any bad faith delays or their claim denials.

Contact a Miami FL Insurance and Disability Lawyer

If you are an accident victim, it is crucial to your case to find an attorney who is willing to negotiate in your best interest, however, will not settle the case for an amount that does not match the amount you may be entitled to just to avoid litigation. You want an attorney who is not only a skilled negotiator, but also one who is just as skillful as a litigator.

The litigation attorneys from Needle & Ellenberg, P.A. have represented numerous accident victims in insurance company lawsuits and will work diligently to get you the best possible outcome based on the circumstances of your case. Call our office today to set up a free and confidential consultation with an insurance and disability lawyer Miami FL clients trust to find out what legal recourse you may have.

Many people find that trying to get Social Security benefits can be frustrating and time-consuming. But with our Miami, FL insurance and disability lawyer by your side, you have the highest chances of a favorable outcome. The Social Security Administration (SSA) uses a sequential process to assess if you qualify for disability benefits. If you have questions about applying for benefits, contact our team at Needle & Ellenberg, P.A. for advice you can depend on. Unfortunately, the Social Security system can be difficult to deal with and attempting to obtain benefits can be challenging, especially without a legal team. 

Social Security Assessment

There are many variables and steps that the Social Security Administration (SSA) will consider before approving an applicant for benefits. Firstly, the SSA will need to know if you are working. If you are making more than $1,550 per month, then you are viewed as engaging in “substantial gainful activity” and are not deemed disabled. If you are not working or are making less than that amount, then you are still eligible. 

Another aspect the SSA will assess is whether your impairments interfere with your work-related tasks, such as sitting, standing, pulling, pushing, carrying, lifting, and remembering simple instructions. If you are not able to fulfill basic work requirements due to being impacted by your condition, then you are eligible. 

SSA Listing Of Impairments

Next, the disability examiner will review their listing of impairments, which may be referred to as the “Blue Book”. Within this book is a list of mental and physical impairments that they have compiled, in addition to the medical criteria for each. If your medical records have evidence that matches the criteria in this book, then you are considered as having met the listing requirement and are disabled. As our knowledgeable insurance and disability attorney explains, if your condition is not on the list but equals in severity to the listed impairments, then you will be categorized as disabled. 

Furthermore, the SSA will look at your past relevant work and what was required of you mentally and physically. If your limitations do not hinder you from returning to prior work, then you are not disabled. Lastly, the SSA will assess your age, limitations, past work experience, education, and any transferable skills. If the examiner feels that you could perform other jobs, then your claim will be denied. However, it is still work applying and we suggest getting our help so we can make your claim as strong as possible. If you received a denial, you could submit an appeal.

Needle & Ellenberg, P.A.

Our team at Needle & Ellenberg, P.A. understands that receiving Social Security benefits can make all the difference in your life. It is stressful to struggle with impairments and then wonder if you will get the support you need to live comfortably. Please reach out to our FL insurance and disability attorney so that we can help you apply. If you are facing a claim denial, let us know so we can discuss your options in requesting reconsideration. Contact us now for a consultation. 

Advocating For Fairness In Insurance And Disability Claims In Miami, FL

Facing challenges with an insurance or disability claim can feel overwhelming, especially when the financial stability of you or your family hangs in the balance. Denied claims, delayed payments, or lowball settlements are all too common. If you are struggling to get the benefits you deserve, you need someone to fight on your side. At Needle & Ellenberg, P.A., we are dedicated to helping clients in these situations. As your trusted insurance and disability lawyer in Miami, FL, we work tirelessly to secure the benefits and compensation you are entitled to.

Overcoming Denied And Delayed Claims

Insurance policies and disability benefits are supposed to provide a safety net during challenging times. Unfortunately, some insurance companies use tactics to avoid paying out full benefits. They might dispute the validity of your claim, argue over coverage terms, or delay their response indefinitely. For someone recovering from an injury or illness, these hurdles can make an already difficult situation feel impossible.

One of our clients experienced significant delays in receiving their long-term disability benefits after suffering a debilitating injury. The insurance company continually requested unnecessary documentation and made excuses for delays. We stepped in to hold them accountable, resulting in a resolution that allowed our client to focus on recovery rather than financial stress.

How We Help Resolve Your Claim

When you work with us, we start by understanding the specifics of your claim and identifying the roadblocks you face. Whether you are dealing with a disability insurance denial, a health insurance issue, or another type of claim, we build a strategy to address the obstacles and protect your rights.

Our approach includes:

  • Reviewing your policy: We analyze the terms and conditions of your insurance policy or disability plan to understand your coverage and benefits.
  • Gathering evidence: We compile medical records, employment documents, and other supporting evidence to strengthen your case.
  • Challenging the insurer’s position: Through negotiations or legal action, we push back against unfair denials or delays to pursue the benefits you deserve.

We are committed to ensuring that you are treated fairly by insurance companies and disability providers, standing by your side every step of the way.

A Track Record Of Success

At Needle & Ellenberg, P.A., we have built a reputation for achieving meaningful results for our clients. Our work in Miami and across Florida has helped individuals and families recover benefits and compensation that make a real difference in their lives. From obtaining settlements for denied disability claims to resolving disputes over life insurance benefits, we take pride in delivering justice for those who need it most.

In one case, we helped a widow whose life insurance claim was unfairly denied after her husband’s passing. The compensation we recovered provided her with the financial security she needed to move forward during an incredibly challenging time.

Personalized Attention To Your Needs

We understand that every case is personal, and the impact of an unresolved insurance or disability issue is significant. That’s why we focus on giving you the care and attention you deserve. From clear communication to actionable legal strategies, we aim to make the process as straightforward as possible for you.

Take Control Of Your Claim Today

If you are struggling with an insurance or disability issue, don’t wait for the problem to get worse. Contact Needle & Ellenberg, P.A., today to discuss your case. As y

ls-ae-photo