FAQ - Critical Illness Insurance Disputes

Q: How are critical illness insurance benefits paid out?

Q: What factors do the insurance companies use to determine if I am eligible to receive critical illness benefits?

Q: How is critical illness insurance different from disability insurance?

Q: Do I need a lawyer to handle my critical illness insurance dispute?

Q: How much will my lawsuit against the insurance company cost?

Q: Are there any deadlines that I should be concerned about?

Q: How are critical illness insurance benefits paid out?

A: If you are eligible for critical illness benefits under your policy, the benefits will be paid out to your family in one lump sum.

Q: What factors do the insurance companies use to determine if I am eligible to receive critical illness benefits?

A: Under most policies, a critical illness illness is one that results in the loss of independence. Cancer, stroke, heart attack, heart surgery, kidney failure, organ transplantation, brain tumor, paralysis, coma, permanent disability, Alzheimer's, Parkinson's Diseases, and Multiple Sclerosis may qualify you. Check with your critical illness insurance lawyer to help identify the specific provisions of your contract.

Q: How is critical illness insurance different from disability insurance?

A: Critical illness insurance is not based on your inability to work, whereas disability insurance depends solely on this result. The advantage is that qualifying policy holders are able to collect the full amount of coverage, even if you make a full recovery.

Q: Do I need a lawyer to handle my critical illness insurance dispute?

A: If your claim has been denied contact us to determine whether your claim has a chance of winning.

Q: How much will my lawsuit against the insurance company cost?

A: David Share Associates does not require a down payment or retainer from its critical illness insurance clients. Our lawyers operate on a contingency fee basis, where all costs are covered up front by our firm, and the lawyer collects his or her fee only in the event of a recovery.

Q: Are there any deadlines that I should be concerned about?

A: There are time limits to all claims and any delay in proceeding may be subject to a deadline. You should not delay in proceeding with your claim or obtaining legal advice to clarify these deadlines.