When ERISA law does not apply, you can file a lawsuit against your disability insurer alleging that their claim denial involved “bad faith.” Your insurance policy requires that your insurer act fairly and in good faith when evaluating and handling your insurance claim. When an insurer fails to investigate properly or denies a claim without valid reason, such “bad faith” behavior can, under Florida law, permit the claimant to sue for additional money damages. These additional monetary sums can include punitive damages (to punish the insurance company), attorney’s fees, and other damages caused by the insurance company.
CJ Henry Law Firm, PLLC has experience in uncovering disability bad faith claims practices. If you feel like you have been the victim of a bad faith disability claim, contact us for an evaluation.