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Disability Insurance Claims

Has Your Insurance Company Denied Your Claim?

When you are injured and cannot work, your long-term disability insurance can provide the income you need. You may not be able to work if you are suffering from a long-term disability due to:

  • Back/spine problems
  • Muscle, bone and joint conditions
  • Cancers
  • Injuries/accidents
  • Heart and blood vessel conditions
  • Mental health disorders
  • Nervous system disorders

If your claim for long-term disability insurance was denied, call our Sterling Heights office, toll free at (866) 529-3537, or contact us online, for a free phone consultation.

We Stand up to Insurance Companies

We are experienced disability insurance attorneys and our goal is to protect your rights under your paid insurance premiums. We have represented both individuals and groups bringing a claim against an insurance company.

Our attorneys are highly experienced in insurance claims. You can trust us with your case, knowing we understand Michigan's disability claims process and have litigated against large insurance companies in the past, including:

  • Cigna
  • Hartford
  • Liberty Life
  • Lincoln National
  • Unum
  • Aetna
  • Reliance Standard
Can I Appeal the Insurance Company's Denial?

You may file an administrative appeal but you need to discuss it with an attorney first. We can help you move forward correctly and have the best chance of a successful appeal. Insurance companies have varying definitions of disability, exclusions and limitations along with strict deadlines for filing an appeal.

At Serafini, Michalowski, Derkacz & Associates, P.C., our lawyers have come against insurers using procedural policy to deny claims. We have the experience as Michigan disability insurance attorneys to produce the best results for you.

We carefully evaluate the insurers' policy language, and the terms of the company's denial of your claim. We then initiate a proven framework that includes contacting your physician, employer and co-workers to collectively gather evidence in favor of your claim.

Our firm has filed comprehensive administrative appeals and successfully helped many white collar and blue collar professionals, including doctors, dentists, nurses, dental assistants, other medical professionals, engineers, construction workers, and truck drivers, obtain their rightful long-term disability (LTD) insurance payments.

Are You Purchasing a Long-Term Disability Policy?

If you are purchasing a long-term disability policy, call us first, act second. LTD policies have varying levels of quality, type, degree and coverage.

We stay up-to-date with the most recent cases, statutory and regulatory policies, and can pass this information to you for your decision-making process.

At Serafini, Michalowski, Derkacz & Associates, P.C., our firm is dedicated to providing you with clear answers and guidance. Call us toll free at (866) 529-3537 or email us.

Client Reviews
Thanks so much for all your help these past five years in helping me with all the legal aspects of my folks, L & E.M's, trust. Thanks for answering all my questions. It's been a difficult last 5 years on making decisions for my father, but I'm so grateful that god blessed me with them for so many years! I appreciate all you did to help me though to the end. D.C.
I want to thank you both for all your help and hard work on my case. This certainly was good news! You both did tremendous jobs dealing with Cigna and answering my questions. Thank you and have a wonderful Christmas season! Marc
Thank you so much for all of your help getting me thru this mess. You have no idea how much you have helped. I couldn’t have done this without you! Only one more hurdle, yay!! B. T.
I really wanted to thank you, the way you talked with me and worked with me, it was amazing. I was dreading the experience & the deposition & you really made it very easy for me. So, thank you very much for a job well done. H. H.