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

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

Archive