Guardian Life Disability Claims Lawyer

EXPERIENCED GUARDIAN LIFE DISABILITY CLAIMS ATTORNEYS

At The Law Office of Nancy L. Cavey, our Guardian Life disability claims lawyer is a dedicated and trustworthy advocate for policyholders and beneficiaries. With nearly four decades of legal experience, Nancy L. Cavey knows how to hold large insurance companies, like Guardian Life, accountable for paying out claims. Our mission is to help you maximize your benefits. If your short-term disability claim or long-term disability claim was denied by Guardian Life, we are here to provide the guidance and support you need. To set up a no-fee, fully confidential initial consultation with an experienced Florida disability claim attorney, please contact us today.

Guardian Life Insurance Company of America (Guardian Life) is one of the largest companies in the United States. Headquartered in New York City, Guardian Life has more than 8,000 employees staffed at local field offices throughout the country.

Offering a wide range of insurance products—including short-term disability coverage, long-term disability coverage, and life insurance—Guardian is a multi-billion dollar corporation. It has the resources needed to protect its own financial interests.

Unfortunately, large insurance companies like Guardian Life can be challenging for people to work with for people. In too many cases, disability claims are unfairly delayed, underpaid, or simply denied outright.

Guardian Life and other large insurance companies deny short-term disability claims and long-term disability claims for a wide range of different reasons. Sadly, not all of these denials are legitimate. Insurers are not neutral parties and they do not get to make the final decision on whether or not you qualify for benefits. Some of the specific reasons why your disability claim may be denied by Guardian Life include:

• Minor mistakes in your application for benefits;
• Allegations that key deadlines were missed;
• Missing documents and information, including medical records;
• Questions about the validity or meaning of medical evidence;
• Disputes over the applicability of policy exclusions; and
• Bad faith conduct and practices by the insurance company.

If your disability benefits were denied by Guardian Life, it is crucial that you take quick action to protect your rights. You can file an appeal. Here are three steps to take if your short term disability benefits or long term disability benefits were denied by the Guardian Life Insurance Company of America:

• Review the Denial Letter, Note the Deadlines: State and federal regulations compel insurance companies to provide written disability denial letters. There should be a clear deadline for filing an appeal. You must comply with this deadline. Unfortunately, these letters can be difficult to parse. A lawyer can help you understand exactly what a Guardian Life disability denial means. 
• Organize Documents, Records, and Information:To bring a successful disability appeal against Guardian Life or another large insurance company, you need persuasive evidence that directly addresses the reason for denial. Make sure you preserve and organize all relevant documents, records, and information.
• Get Help From a Disability Claims Attorney: Guardian Life is primarily focused on protecting its profits. The company does not want to pay out maximum disability benefits. You do not have to go up against a well-resourced corporation alone. Consult with an experienced Florida disability appeal lawyer as soon as possible.

How Do I Apply for Disability Benefits With Guardian Life?

In order to get disability benefits through your Guardian Life insurance policy, you must comply with the company’s official filing guidelines. If you get disability coverage through an employer, you can get the proper forms from the Human Resources (HR) department. Alternatively, these forms are also available directly on Guardian Life’s website. You will need some basic information about your policy to get started. To avoid any unnecessary delays, be sure to complete all sections of the application form.

How Long Will My Disability Benefits Last?

The duration of disability benefits is affected by a number of different factors. As a general rule, your Guardian Life benefits should be paid out as long as you have a qualifying disability—up to the maximum amount of benefits available under your plan. With short-term disability coverage, benefits may be capped at a few months. On the other end of the spectrum, some long term disability policies provide coverage until a beneficiary’s normal retirement age.

How Much Does It Cost to Hire a Guardian Life Disability Claims Lawyer?
If you are considering appealing a disability denial, you may have concerns about the cost of hiring an attorney. The good news is that you can always afford to hire a top-rated disability lawyer to help you appeal a disability denial from Guardian Life. At The Law Office of Nancy L. Cavey, all of our clients are protected by our no-fee guarantee. Not only do we offer free initial consultations, but there are no fees until we win or settle your case. You do not have to pay upfront for our out-of-pocket costs. Our St. Petersburg disability law team only gets paid when you get benefits.

At The Law Office of Nancy L. Cavey, our Florida disability claims lawyer is an award-winning, effective advocate for policyholders and their families. With decades of experience representing people like you, we have successfully resolved thousands of cases against many of Florida’s largest insurance companies, including Guardian Life.

If your claim was denied by Guardian Life or you have any general questions about the claims process, we are more than happy to help. For a free, no-obligation review of your disability claim, please do not hesitate to contact our law firm today. With a law office in St. Petersburg, we serve communities throughout the entire State of Florida.