DGAA bLAWg

Surprise! Your Insurance Company is Not On Your Side

Web Admin - Tuesday, March 07, 2017

Rolling Meadow insurance dispute attorneysIf you are like most consumers, you have seen the feel-good insurance commercials. The insurance companies claim to have only your best interest at heart, and promise to be there when things go wrong. Of course you believe them. After all, you pay your premiums every month. What reason would they have to deny your claim? You might be surprised. 

The Ugly Truth About Insurance Companies

Insurance companies are for-profit businesses, and, like most for-profit companies, they are in the business of making money. They cannot reasonably make money if they are busy paying out claims. So they do everything they can to deny them. 

Some use intentionally confusing wording and obscure clauses that their customers could not reasonably interpret. Others offer rewards to their employees who have the lowest payout quotas. Some will even go so far as to use shady practices, such as locking claims in a safe to delay the process so significantly that the customer eventually gives up. 

Sound unfair? It is! Yet it is an everyday issue within the insurance industry. Thankfully, there are some things that consumers can do to mitigate the risks of having their claim denied. 

Never Handle a Claim Alone

First and foremost, consumers should avoid trying to file a personal injury claim on their own. Instead, they should seek the assistance of an experienced personal injury lawyer. Medical insurance claims are somewhat different since, typically, the doctor or office staff initially submit the claim to the insurance company. Those who need to file a claim against their homeowners insurance should seek guidance from someone other than their insurance company since some have been known to drop their customers for even inquiring about a possible claim. 

If Your Claim is Denied or Delayed

Should you experience a denial or delay of a claim, either because you already filed it without assistance, or because of the insurance company’s shady tactics, it is important that you seek experienced assistance before addressing the issue. 

At Drost, Gilbert, Andrew & Apicella, LLC , we have the knowledge, experience, and resources you need to navigate through an insurance claim denial. Dedicated to your best interest, we will fight to get you and your loved ones the fair settlement that you deserve. Learn more about how our Rolling Meadows insurance claim dispute lawyers can assist with your case. Call 847-934-6000 and schedule a consultation today.


Ken ApicellaAbout the Author: Attorney Ken Apicella is a founding partner of DGAA focusing in the areas of personal injury, employment, insurance coverage disputes, and civil litigation. Ken earned his J.D. from DePaul University College of Law in 1999. He has been named a SuperLawyers Rising Star and a Forty Illinois Attorneys Under Forty to Watch. Ken has written and lectured for the Illinois Institute for Continuing Legal Education and regularly serves as a moderator at Northwest Suburban Bar Association's Continuing Legal Education seminars.


Source:

https://www.justice.org/sites/default/files/file-uploads/InsuranceTactics.pdf


Fighting Denied Health Insurance Claims

Web Admin - Friday, January 06, 2017

Rolling Meadows insurance dispute lawyersAccording to data from the health insurance industry, approximately one in 14 of all health insurance claims are denied by the insurance companies. Worse yet, only about half of all patients who appeal their claims end up winning. Much of the time, this subsequent denial is due to a lack of experience or understanding of the health insurance appeals process. If you or someone you love is facing a denied health insurance claim, the following information can help. 

Understanding the Most Commonly Denied Claims

Before going up against a denied claim, it is important to understand why it was not covered by your insurance company. This can help you plan a strategy, and may even provide you with the knowledge you need to fight back. For example, you might receive a denial for an unauthorized service or procedure if your doctor failed to receive preauthorization. Alternatively, the denial could be due to an error in coding (the method doctors use to bill for procedures), or because a critical piece of data was entered incorrectly. This happens in about 10 percent of all claims. Other reasons that a claim might be denied could be related to a billing for the same procedure on the same day, or because you have allegedly exceeded the maximum number of times a procedure is allowed. Denials because a plan does not cover a procedure are also common. 

Why Patients Should Not Try to Fight Denied Claims Alone

Although patients can and sometimes do fight back against denied claims on their own, it is highly discouraged. This is not just because you could be denied, yet again, possibly leaving you responsible for a bill you cannot and should not pay, but also because the process is difficult and complex. It is an added stressor in your life - one that you may not need. This can be especially true for those who suffer from severe and/or chronic injuries, illness, or disabilities since they are more prone to insurance claim denials and far more likely to struggle with the appeals process due to a lack of time and/or energy.

Our Rolling Meadows Insurance Dispute Lawyers Can Help

Fighting a claim does not have to be an impossible feat. Instead, let Drost, Gilbert, Andrew & Apicella, LLC help you with the process. We handle all the legal details, protect your interests, and fight for a favorable outcome. Learn more about how we can assist you. Call 847-934-6000 and schedule your consultation with our Rolling Meadows insurance dispute lawyers today.


Ken ApicellaAbout the Author: Attorney Ken Apicella is a founding partner of DGAA focusing in the areas of personal injury, employment, insurance coverage disputes, and civil litigation. Ken earned his J.D. from DePaul University College of Law in 1999. He has been named a SuperLawyers Rising Star and a Forty Illinois Attorneys Under Forty to Watch. Ken has written and lectured for the Illinois Institute for Continuing Legal Education and regularly serves as a moderator at Northwest Suburban Bar Association's Continuing Legal Education seminars.


Source:http://www.nytimes.com/2010/02/06/health/06patient.html


Recent Posts


Tags

Arlington Heights medical malpractice lawyer Mount Prospect real estate lawyer estate planning drunk driving statistics Crystal Lake pet attorney Do Not Resuscitate landlord tenant law uninsured motorist Inverness injury lawyer compensatory time employment law Palatine insurance lawyer crossover accidents criminal defense trauma after an accident employment attorney car accident lawyers Schaumburg employment law attorneys Illinois driving without license estate planning lawyer pedestrian accident bicycle dooring accidents Illinois Wage Payment and Collection Act Barrington personal injury lawyer Illinois wills and trusts attorneys Illinois collections attorney Illinois traffic attorney Illinois insurance dispute lawyers fiduciary rule delay brain injury probate claims Illinois workers compensation lawyer bicycle accidents Palatine employment attorney real estate zoning Deer Park motorcycle accident lawyer Illinois small business murder charges Buffalo Grove corporate attorney Rolling Meadows insurance attorney Policy Cancellation Illinois speeding lawyer Illinois Human Rights Act Employment Discrimination Law fatal car accidents revenge porn Buffalo Grove injury lawyer Palatine criminal defense lawyer Des Plaines accident attorney Palatine Attorney Rolling Meadows insurance lawyer wrongful termination, employment law, whistleblower protections, Illinois employment laws, discrimination in the workplace Crystal Lake estate planning lawyer Arlington Heights trucking lawyer Illinois job attorney Illinois corporate lawyer insurance attorney unpaid assessment Chicago employment lawyer insurance disputes employees spinal cord injuries Schaumburg traffic lawyer first degree murder Chicago insurance law firm Illinois employment law attorney Chicago trucking accident attorney Crystal Lake law firm Illinois insurance lawyer Illinois registered agent personal injury lawyer pedestrian-automobile accident workers comp Rolling Meadows traffic law firm rumble strips Illinois insurance claim dispute lawyer Des Plaines real estate lawyer comp time Rolling Meadows corporate lawyer Crystal Lake medical malpractice law firm Illinois Probate Act of 1975 Schaumburg defective products vacation home insurance claim delay Palatine corporate attorney Illinois lawyer Illinois personal injury Rolling Meadows insurance dispute lawyers, insurance dispute Attorney Ken Apicella living trust benefits Illinois injury lawyer job lawyers murder defense insurance disputes, Illinois insurance disputes, Illinois insurance dispute attorneys, denied insurance claims, Arlington Heights insurance dispute attorneys Arlington Heights pedestrian accidents Des Plaines claims law firm car collision Schaumburg injury lawyer Illinois wrongful termination lawyer cell phone accidents problem employees preventing accidents Arlington Heights wills and trusts lawyer Des Plaines civil attorney Palatine business attorney Des Plaines real estate attorney federal crimes commercial leases insurance claims Schaumburg estate attorney insurance dispute attorney Illinois employment laws Inverness civil lawyer Barrington personal injury attorney Des Plaines pet law attorney liability claims Rolling Meadows employment law attorney Arlington Heights employment attorney Barrington employment law attorney Self-Directed IRA Accounts Schaumburg civil litigation attorney Kenilworth estate planning attorney condo association Illinois red light cameras Schaumburg corporate attorney estate tax Barrington workers compensation attorney in terrorem provision Illinois real estate Chicago employment attorney Barrington real estate lawyer filing a medical malpractice claim Arlington Heights wills and trusts attorneys Des Plaines drug crimes lawyer drunk driving construction accidents Rolling Meadows traffic attorney liability dynasty trusts taxes Illinois insurance claim attorney Chicago lawyer real estate contract Chicago traffic lawyer Arlington Heights real estate lawyer Rolling Meadows business lawyer Schaumburg medical malpractice lawyer elder abuse Arlington Heights injury attorney Forcible Entry Palatine personal injury lawyer traffic offenses denied insurance claim Buffalo Grove law firm advance healthcare directive Barrington litigation attorney Federal Food Drug and Cosmetic Act underinsured motorist Deer Park traffic lawyer trucking accidents Long Grove estate planning unfunded trust ACA fault based insurance Crystal Lake traffic lawyer dram shop law Crystal Lake employment attorney Des Plaines collections attorney surgical mistakes Palatine estate planning lawyer boating accidents hiring employees Barrington criminal defense lawyer Rolling Meadows DUI lawyer startup company Palatine workers compensation lawyer DNR loopholes slip and fall homestead rights Fair Labor Standards Act commercial leasing overtime pay insurance denial appeals insurance dispute Transfer on Death Instrument Arlington Heights estate planning attorney Illinois employment attorneys Arlington Heights lawyer privacy Arlington Heights criminal lawyer landlord Illinois real estate lawyer liens owner responsibility premises liability Buffalo Grove employment lawyer Barrington medical malpractice lawyers Illinois motorcycle accident lawyer home inspection lawyer Palatine law firm IRA trust transfer Barrington criminal lawyer Inverness real estate lawyer license Schaumburg Attorney severance agreements medical malpractice, missed diagnosis, delayed diagnosis, medical mistake, Deer Creek medical malpractice lawyers Illinois rollover accident lawyers products liability Crystal Lake personal injury lawyer Barrington boating accident attorney FMLA mass shooting Illinois construction accident attorney criminal law Illinois wills and trusts preventable medical errors sexual harassment forming a corporation in Illinois eluding a police officer Illinois employment law attorneys controlled substance Illinois estate planning trucking accident lawyers Des Plaines medical malpractice attorney life insurance marijuana insurance denials Illinois personal injury attorney clemency Des Plaines personal injury lawyers Thanksgiving Crystal Lake traffic attorney disability benefits Crystal Lake tax lawyer cell phone Deer Park accident attorney employment contract, employment law, employment at-will, Deer Park employment law attorneys, contract, Des Plaines criminal attorney sexual images Barrington drug crime attorney underage DUI Rolling Meadows probate lawyer Buffalo Grove car accident lawyer Barrington injury attorney Schaumburg personal injury lawyers Arlington Heights employment law attorneys Chicago car accident lawyer Illinois employee rights attorney. estate planning trusts Illinois employment law real estate lawyer real estate leasing FSLA Schaumburg personal injury lawyer trusts employment law, meal breaks, rest breaks, hotel employees, Des Plaines employment law attorneys personal injury claims Illinois civil litigation lawyer probate claims process product liability Illinois criminal defense attorney denied insurance claims Riverwoods estate planning lawyer golf accidents employment contract deadly crashes Barrington business law firm personal injury attorney IRELA medical malpractice marijuana crimes attorney insurance claim dispute Chicago will attorney, social media platforms, Illinois estate planning lawyer, estate planning attorney digital assets, digital fiduciary, estate planning, digital content, Long Grove estate planning lawyers car crashes Buffalo Grove probate lawyer BUI Rolling Meadows car accident lawyers Illinois insurance claims lawyers boating under the influence federal regulations for LLCs child safety internet overtime violations distracted driving accidents gift taxes holiday statistics Illinois car accident attorney ObamaCare Illinois DUI attorney life insurance claims DUI penalities wage theft Palatine employment law lawyer personal injury law firm Fourth of July Crystal lake insurance dispute attorney Crystal Lake civil litigation lawyer mortgage trustee criminal record traffic accidents living trust vs will Arlington Heights car crash attorneys wills real estate attorneys living trust Crystal Lake car accident lawyer Schaumburg elder law lawyer Illinois workers compensation attorney Schaumburg criminal law attorney Arlington Heights car accident lawyer medical malpractice claims Rolling Meadows personal injury lawyer operating agreements rent to own real estate contracts Rolling Meadows real estate attorney Des Plaines motorcycle accident attorney Illinois workplace lawyer Mount Prospect elder law attorney Rolling Meadows criminal lawyer Illinois medical malpractice lawyers Crystal Lake business law attorneys Rolling Meadows employment law attorneys real estate closing Palatine employment lawyer personal injury accidents Palatine injury attorney Illinois living will Deer Park medical malpractice attorney Crystal Lake employment law attorney new real estate form rollover accidents Illinois consent to a search Illinois personal injury lawyers Kenilworth estate planning lawyer sole proprietorship natural gas installment contracts Illinois pet lawyer creditors Whistleblower Claims Food and Drug Administration's Food Safety Modernization Act Inverness DUI lawyer Inverness personal injury attorney Buffalo Grove personal injury lawyer caregiver wills and trusts Crystal Lake medical malpractice lawyer wrongful termination head on collisions Chicago will attorney no contest clauses senior citizens probate Schaumburg car accident attorney estate planning for college students Buffalo Grove traffic attorney Crystal Lake pedestrian accident lawyer Des Plaines insurance attorney Rolling Meadows estate planning attorney Des Plaines personal injury attorney agent insurance claim denials Arlington Heights wills and trusts attorney tax attorney estate planning, digital assets, Revised Uniform Fiduciary Access to Digital Assets Act, Illinois digital assets, Illinois estate planning, Home Remodeling Repair Act medical research Inverness corporate attorney Rolling Meadows Attorney Crystal Lake injury attorney Barrington estate planning lawyer attorney fees civil litigation attorney changes to mortgage law traffic deaths Rolling Meadows marijuana attorney foreclosed rental property Palatine real estate lawyer residential real estate South Barrington real estate lawyer food poisoning Jay Andrew Illinois traffic attorneys pain and suffering Palatine elder law attorney Illinois medical malpractice claim breach of contract Chicago estate planning power of attorney for healthcare insurance claim dispute attorney trust payments estate planning, death tax, succession plans, business estate plans, Barrington estate planning lawyers Illinois estate planning attorney Arlington Heights insurance attorney Illinois business lawyer texting while driving traffic violations Rolling Meadows employment attorney Chicago attorney rollover car crashes Arlington Heights accident attorney license suspension gift tax exemption, estate planning, estate planning strategies, Illinois estate planning, South Barrington estate planning attorneys Crystal Lake employment lawyer Rolling Meadows accident lawyer Crystal Lake personal injury attorney nursing home negligence DUI attorney Retaliatory Discharge insurance dispute, insurance dispute lawyers, insurance claim denial, insurance claim delays, Rolling Meadows insurance dispute attorneys Mt Prospect Attorney insurance claim expungement insurance claim denial deed transfer Inverness elder law lawyer foreclosure car accidents Schaumburg personal injury attorney Buffalo Grove insurance claim dispute lawyers special needs trust boating DUI hit and run accident digital media accounts, estate planning, Arlington Heights estate planning attorney, right to work Colin Gilbert DMV Des Plaines tax law firm meal breaks vacation home fines texting and driving healthcare Illinois employment lawyer involuntary manslaughter life insurance lawyer business litigation capital gains tax Illinois home inspection wrongful death Arlington Heights Traffic Lawyer Rolling Meadows tax attorney low-ball insurance settlement Illinois Transfer on Death Instrument Crystal Lake bike accident lawyer digital evidence car crash injuries car accident Arlington Heights TBI attorney Illinois employment law firm employment law, Illinois employment laws license revocation Illinois mortgages Rolling Meadows medical malpractice lawyers Palatine construction attorney Palatine civil litigation lawyer murder healthcare claims car crash Deer Park traffic accident attorney Chicago biking tips Illinois Smoke Detector Act Arlington Heights traffic attorney unpaid overtime Arlington Heights personal injury lawyer Arlington Heights Attorney distracted driving accident victims POA digital information Illinois insurance disputes unauthorized overtime Barrington estate planning attorney power of attorney construction accidents, personal injury, wrongful death, Arlington Heights personal injury attorneys, workers' compensation drugs reckless homicide Rolling Meadows insurance dispute lawyers Des Plaines Traffic Lawyer employee discrimination Long Grove estate planning attorneys personal injury Joliet general practice lawyers Barrington employment law firm traffic laws independent contractor drug crimes Palatine punch death Des Plaines DUI attorney Illinois elder law attorney South Barrington real estate attorney Illinois trusts attorney ken apicella Illinois Workers’ Compensation Commission Inverness estate planning lawyer Barrington Traffic Lawyer auto accidents Illinois traffic laws Rolling Meadows criminal attorney life insurance policy commercial real estate elder law Long Grove wills and trusts attorneys real estate blended families pet law field sobriety test underfunded trust drug possession pizza emoji criminal IRA benefits health insurance dispute Inverness accident lawyer insurance agents estate plan Deer Park DUI lawyer Barrington attorney slip and fall accidents anesthesia errors Family Medical Leave Act Crystal Lake medical malpractice attorneys Schaumburg drug defense lawyer living wills income distribution deducation Deer Park personal injury lawyer Illinois insurance attorney privacy laws Illinois traffic accident lawyer investment property Deer Park workers compensation lawyer Deer Park criminal attorney LLCs car accident lawyer Kenilworth estate planning attorneys Illinois boating accident lawyer workers compensation benefits traffic tickets hands free device Super Mario pet bites Landlord Tenant Ordinance Barrington employment attorney icy parking lots llinois Real Estate Lawyers Association Schaumburg real estate lawyer automated cars driving Class A misdemeanor workers compensation Rolling Meadows boating crash lawyer insurance agent negligence Illinois Sales Representative Act medication errors workplace sexual harassment Illinois bicycle safety whistleblower protections Schaumburg employment attorney Colin H. Gilbert Buffalo Grove personal injury attorney BAC Rolling Meadows Traffic Lawyer bike accident social media after death irrevocable trust Illinois pedestrian accident attorney speeding Illinois defective products attorney swimming pools civil rights violation Chicago corporate attorney traumatic brain injuries motorcycle accident motorcycle accident lawyer jet ski accidents Illinois business law atorneys Mount Prospect wills and trusts lawyers Illinois medical malpractice attorney Palatine trusts lawyer Long Grove estate planning attorney Inverness insurance attorney Chicago insurance claim attorneys Crystal Lake criminal defense attorney Deer Park real estate law firm Long Grove real estate lawyer Schaumburg estate planning lawyer Legal Info Illinois will lawyer estate attorney Des Plaines injury law firm jet ski Arlington Heights tax lawyer blood alcohol content corporate law college kids paid sick leave Rolling Meadows Buffalo Grove criminal defense lawyer Buffalo Grove real estate attorney Home Sale Contingencies Illinois estate planning law firm Rolling Meadows litigation lawyer Barrington Illinois estate planning lawyer trench injuries Illinois medical malpractice case GM ignition switches Illinois personal injury lawyer traumatic brain injury pregnant women bad faith insurance claims accidental death benefits Schaumburg insurance lawyers defective products lawyer Inverness traffic law firm Long Grove real estate attorney Schaumburg wrongful death attorney BAIID Rolling Meadows personal injury lawyers insurance negligence appealing an insurance claim personal injury claim loss of consortium back injuries Arlington Heights wills and trusts lawyers traffic violations defense Schaumburg criminal attorney modern family estate planning truck collisions DUI defense School Visitation Rights Act employee rights Illinois insurance claim dispute lawyers pedestrian injuries, pedestrian fatality Schaumburg estate planning attorney digital assets Rolling Meadows personal injury attorney Inverness real estate attorney employee misclassification DUI Arlington Heights personal injury attorney Rolling Meadows drug defense attorney probate lawyer natural gas explosion Exclusions work unions civil litigation institutional trustee Illinois attorney insurance adjusters TBI personal injury, auto accident injuries, delayed injuries, serious injuries, Des Plaines personal injury attorneys Palatine drug lawyer dealing with problem employees Chicago estate planning lawyer Des Plaines drug lawyer breathalyzer test spinal cord injury Des Plaines Crystal Lake accident attorney manufacturing dog bites Affordable Care Act Des Plaines personal injury lawyer drug crime Illinois traffic ticket lawyer financial advisors Illinois tax attorney Detainer Actions Buffalo Grove traffic lawyers minimum wage Palatine probate lawyer Deer Park employment law attorney Palatine corporate law attorneys guardianship attorney cell phone tower data medical marijuana drug crimes lawyer CAM pedestrian accidents IRS denial of life insurance Illinois trucking safety Illinois law Schaumburg probate attorney real estate attorney Illinois LLC creation probate process condo probate fees caretaker rights rest breaks traffic crimes small business Schaumburg construction accident lawyer Crystal Lake will lawyer Barrington civil litigation attorney DGAA Illinois probate lawyer Liquor Control Act Buffalo Grove medical malpractice lawyers Illinois jet ski accident lawyer fiduciary rule Inverness probate lawyer medical malpractice compensation employment lawyer license reinstatement Crystal Lake car accident attorney PTSD Illinois workplace discrimination attorney Palatine traffic accidents Crystal Lake insurance lawyer Palatine traffic lawyer suspended license Palatine civil attorney

Archive