News & Resources

To the insurance company, the issue is simple. You suffered an injury that prevented you from working. You had surgery to repair the damage. You will recover from surgery in the predicted number of days, and you will be ready to return to work. So your disability benefits will be discontinued. However, real life often does not unfold according to predictions and industry guidelines. Surgery may not have been successful. You could need additional recovery […]

It seems grossly unfair that when you’ve been paying premiums for private disability insurance, the insurance company treats you with disdain and suspicion when you file a claim for benefits. Unfortunately, it’s all too common. Insurers are happy to take your money but very reluctant to live up to their obligation to pay when the terms of your policy entitle you to benefits. One of the ways insurance companies make it difficult for policyholders to […]

When you’re unable to work due to a disabling condition, benefits provided through your disability insurance policy provide a critical lifeline to cover expenses. Professionals who have substantial obligations often build their business plans around expectations that include disability benefits. For this reason, it is essential to understand when a disability insurance provider is legally permitted to discontinue or reduce benefits. Sometimes, companies are acting within their contractual rights when they do so, but other […]

Private disability insurance offers crucial financial protection for Miami residents who are unable to work due to illness or injury. While public programs like Social Security Disability Insurance (SSDI) provide benefits, these can be difficult to qualify for and may not fully replace lost income. Private disability insurance bridges this gap, offering individuals a more comprehensive safety net. However, understanding your policy and your legal rights is essential to ensure you receive the benefits you […]

Short-term disability insurance is a vital safety net for Miami residents who cannot work due to a temporary illness or injury. However, securing these benefits is not always straightforward. Insurance companies require meticulous documentation and strict adherence to their policies, and even minor errors can result in delays or denials. To increase the likelihood of your short-term disability claim being approved, our Miami disability insurance lawyers suggest you follow these key steps. 1. Understand Your […]

Filing a disability insurance claim can be a stressful and complex process. In Florida, many individuals rely on their disability insurance policies to provide financial support if they are unable to work due to an illness or injury. However, insurers often deny claims for a variety of reasons, leaving policyholders feeling confused and frustrated. Below, our Miami disability insurance lawyers provide a list of the top 10 reasons why disability insurers in Florida deny claims, […]

In Florida, workers with physical or mental disabilities are protected from employment discrimination under state and federal law. Statutes like the Florida Civil Rights Act and the Americans with Disabilities Act require employers to provide employees and applicants with certain reasonable accommodations based on their disability. Although these rights are in place to protect you from discrimination, not every employer complies. These laws also might protect you from discrimination, but they cannot cover your lost […]

Disability insurance is a crucial safety net for individuals who become unable to work due to illness or injury. In Florida, as in other states, the purpose of disability insurance is to provide income replacement when an individual can no longer perform their job duties. Understanding the types of disability insurance, how coverage works, and what to expect in Florida can help you make informed decisions for your financial well-being. This guide offers a comprehensive […]

Short term disability insurance benefits serve as a form of temporary wage replacement for those who are suffering from a serious disability (though it’s worth noting that not all plans require employment, or a history of employment, to qualify for disability benefits).  If you have been seriously injured in a car accident, for example, to such an extent that you can no longer work for a period of time following the accident, then your short […]

While injuries can happen in most industries, some are more likely to result in injury for Florida workers. Often these injuries cause the worker to become disabled, and when the worker turns to their insurance carrier for the disability benefits they are entitled to, they are sometimes denied. When this happens, the Miami disability insurance lawyers at Ver Ploeg & Marino are here to provide the assistance needed to these policyholders so they can recover […]