Insurance Fraud of all kinds seems to be occurring in our
country on a daily basis. Some kinds of fraud are: bad
faith litigation; insurance sales to Medicaid recipients;
death spiral health insurance cases; and denied disability
insurance. Read below for a discussion of all of these
types of cases and contact me when you need assistance!
Bad
faith litigation
Bad
faith is simply a cause of action against an insurance
company that has intentionally denied the payment of a
properly submitted insurance claim for no debatable reason.
Bad faith claims involve health and life insurance,
accidental death insurance, disability insurance,
automobile, property, and
cancer insurance.
I am
currently investigating cases concerning the tort of "bad
faith" against the following companies:
UNUM
/ Provident & Accident Insurance Co.
Allstate
State Farm
Alfa
Farmer's Insurance
Conseco
Paul Revere Insurance Co.
Metlife
Guardian
RBC
General American
Liberty National
Investors Life
Life of Alabama
Insurance Sales to Medicaid Recipients
Selling health insurance policies such as hospital
indemnity, cancer, disability and other supplemental
insurance policies to a consumer on Medicaid is fraudulent.
These policies are virtually worthless to the medical
recipient.
These
policies are virtually worthless to the Medicaid recipients.
Some insurance companies have actually targeted these lower
income consumers with this type of predatory practice.
I am
investigating companies as follows:
Union
National Life Insurance Company
American General Life Insurance Company
United Insurance Company of America
Mutual Savings Life Insurance Company
United Health Care of America
AFLAC
Life Insurance Company of Georgia
Union National Life Insurance Company
Liberty National Life Insurance Company
Monumental Life Insurance Company
Pennsylvania Life Insurance Company
And others...
Death
spiral health insurance
For
many years, policyholders have been forced out of their
health insurance coverage because of constant and exorbitant
price hikes in premiums. Some health insurance providers
engage in a practice known as "death spiraling." This
practice involves a complicated process where companies move
their unhealthy policyholders from their original risk group
to another risk group that has all, or a greater number of
unhealthy policyholders, thus justifying higher rate
increases due to higher risk. The company will continue to
pull the healthy policyholders to another group, keeping
them out of the "unhealthy group" all in an effort for the
company to "price out" and rid itself of the unhealthy
policyholders, so they insure only healthy people who file
small or few claims.
This
insidious practice has left thousands of people throughout
this country without health insurance because they cannot
afford the artificially inflated premiums.
A
similar fraudulent practice has occurred with the sale of
nursing home policies, home healthcare policies, and long
term care policies to the elderly, but these policies
involve more of a "bait and switch" method. These policies
are sold at "actuarially defective" prices (too low a
premium to sustain the policy) and then the premium is
"hiked" so high in the following months and years that the
policyholder cannot afford it any longer. Often times, the
company will "hike" the premium on an elderly person's
policy at a time when they need it the most. This fraudulent
practice results in a large cash flow to the companies in
the early years of the policies and on elimination of risk
to the company when they price these loyal paying consumers
out of the policies.
Denied disability insurance
Many
Americans have faithfully had money deducted from their
paychecks to pay for disability insurance. They rely on this
insurance to cover them in the event that they become
disabled and cannot work, however, many people might be in
for a rude awakening if they hold an insurance policy
through Unum Provident.
Unum
Provident is the largest disability insurance company,
providing disability insurance for more than 17 million
Americans. Unfortunately, for their policyholders, Unum has
denied legitimate claims from seriously ill customers... a
corporate strategy that is designed for one purpose - to
boost profits.
A
multitude of employees for current and former have come
forth to talk to media and to attorneys about the tragic
situation that occurs on a regular basis within the walls of
the Unum claims department.
What
can I do?
If you
believe your insurance company is not dealing fair with you
regarding your claim for benefits, you may be entitled to
compensation. For a free legal consultation, contact us
today by using the Contact Form below or call my office!
I
represent clients in Birmingham, Alabama, and most clients
come from Alabama, al though we have helped clients
throughout the United States. My personal injury lawyers
receive many cases from the Alabama cities of Bessemer,
Mountain Brook, Homewood, Fairfield, Gadsden, Jasper,
Mobile, Montgomery, Huntsville, Greensboro, Fayette,
Pickens, Greene, Hale, and Tuscaloosa.
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