
You are entitled to expect your disability, long-term care or life insurance policy to protect you and your family in the event you become disabled from your occupation, suffer an injury or illness that leaves you unable to perform some or all of the activities of daily living, or pass away. Your insurance policy is a legally enforceable contract between you and your insurer. Unfortunately, despite your contractual and legal right to these benefits, insurance firms often unfairly and illegally delay or deny insurance claims.