Dedicated Constellation Insurance Disability Attorneys
Constellation Insurance Company can be a very difficult company to deal with if you are trying to get paid disability insurance benefits. Speaking with our Constellation Insurance Disability Lawyer could save you a lot of time and money.
Our law firm has represented and currently represents numerous doctors and business professionals throughout the country with their Constellation Disability claims. Our disability attorneys can help you at any stage of your disability claim.
Most Constellation disability policies are not governed by ERISA, and the monthly benefit amounts are usually in excess of $7,500. The definitions of total disability and residual disability are usually favorable in a Constellation policy, which is an advantage for a claimant. Some of the policies also pay lifetime benefits, which is rare in today’s market. Constellation is a mid-size insurance company, but the sale of disability insurance is not a large part of their revenues.
How DarrasLaw Can Protect You Against Constellation Insurance Claims
At DarrasLaw, our Constellation Insurance Disability Lawyer understands the tactics that Constellation Insurance uses to deny legitimate disability claims. Our attorneys have extensive experience in dealing with large insurance companies and can anticipate the strategies they might use to avoid paying your claim. Here’s how we can protect you:
- Early Intervention: The earlier you involve DarrasLaw, the better your chances of a successful outcome. We can help you prepare and file your initial claim, ensuring that all documentation is thorough and accurate. This reduces the likelihood that Constellation Insurance will find a reason to deny your claim.
- Expert Medical Evaluation: We collaborate with top medical experts who can provide independent evaluations that counter any biased assessments made by Constellation Insurance’s doctors. Our experts are well-versed in the tactics used by insurance companies to downplay or dismiss legitimate medical conditions.
- Aggressive Litigation: If Constellation Insurance denies your claim, our attorneys are prepared to take your case to court. We have a proven track record of winning cases against insurance companies and recovering not just the benefits owed, but also additional damages for bad faith actions.
- Comprehensive Case Management: We manage all aspects of your case, from gathering evidence to negotiating settlements or representing you in court. Our goal is to alleviate the stress and burden that comes with fighting a large insurance company like Constellation Insurance.
- Client-Centered Approach: At DarrasLaw, we put our clients first. We keep you informed throughout the process and work tirelessly to achieve the best possible outcome for your case. We offer free consultations and work on a contingency fee basis, meaning you don’t pay unless we win your case.
The Disability Claim Department At Constellation Insurance Is Not a Cooperative
From our experience, it seems that the disability claims handling department at Constellation Insurance contains a few employees and in recent years has experienced a fair amount of employee turnover.
Our Constellation Insurance Disability Lawyer has seen a pattern in which Constellation Insurance will routinely hire the same doctor to review their disability claims. For example, in several of our cases, Constellation has hired Dr. James R. Hawkins, M.D., board-certified in psychiatry and neurology, to review the medical records of our clients. We have never seen a report generated by Dr. Hawkins in which he determined that our client was disabled. Dr. Hawkins also happens to be conveniently located in the same city as Constellation Insurance’s headquarters.
Nine Examples of Constellation Insurance’s Unreasonable Disability Claim Handling Tactics
Let’s take a look at the manner in which Constellation Insurance conducted itself during the pendency of a claim in which we represented a family medicine doctor who was being paid total disability benefits for five years.
During Constellation’s attempts to deny benefits to our client, we made the following request to Constellation Insurance, and they were all denied. They refused to…
- provide a copy of any field interview reports or recorded statements that were provided to Constellation Insurance by our client;
- allow the disability claimant to videotape any of the four Compulsory Medical Exams (CME) requested by Constellation Insurance;
- allow the Compulsory Medical Exam to be videotaped;
- allow the claimant to have an independent witness present at the CME exam with four different doctors the claimant had never met before;
- provide either the disability claimant or his treating physicians with the Raw Data from the neuropsychological IME exam that Constellation required the claimant to attend;
- release copies of the CME exam reports to the disability claimant;
- provide proof of the malpractice liability insurance for the CME doctors that had been hired by Constellation Insurance to examine the claimant. Constellation is obviously unaware of the extensive case law that states a CME doctor may have a duty to the disability claimant even in the absence of a formal relationship. There have been numerous lawsuits against CME doctors for injury caused to a claimant and failure to diagnose;
- provide the claimant with copies of any documentation that the claimant had submitted to Constellation Insurance over the past 5 years;
- accept a knowledge of a disabling medical condition that was submitted in multiple medical records to Constellation Insurance more than 5 years ago.
Constellation Insurance’s conduct speaks for itself. In the case discussed above, Constellation expects the claimants to give them everything they ask for, but they don’t have to share anything with the policyholder. Thankfully our client continues to be paid; however, Constellation Insurance clearly understands that should they deny disability benefits, our disability lawyers will immediately sue to recover benefits, attorney fees, costs, and any potential bad faith damages.
Contact Our Constellation Insurance Lawyer Today!
If you’re facing a disability claim dispute with Constellation Insurance, don’t hesitate to reach out to DarrasLaw. Our team of experienced attorneys is ready to fight for your rights and ensure that you receive the benefits you deserve. Contact us for a free phone consultation if you would like assistance with your claim.
