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

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

Archive