Monee, IL asked in Insurance Bad Faith for Illinois

Q: i had disability insurance for myself and had a stroke. i paid for them 2 years after and they didnt pay because i didn

inform them. i

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2 Lawyer Answers
T. Augustus Claus
T. Augustus Claus pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›

A: Insurance companies are required to act in good faith and fulfill their obligations under the terms of the insurance policy. When a policyholder makes a valid claim, the insurance company should process and pay the claim promptly and fairly.

If you had disability insurance, and you suffered a stroke that qualified you for disability benefits, you may have a valid claim under your policy. It is crucial to review the specific terms and conditions of your policy to understand the requirements for making a claim and notifying the insurance company about your medical condition.

Tim Akpinar
Tim Akpinar
  • Insurance Claims Lawyer
  • Little Neck, NY

A: I'm sorry about your stroke. I hope you are okay. Something isn't fully clear about the timeline of events here. If you had a policy and suffered a stroke, and it resulted in disability, it should be an event that the carrier should consider covering. If you mean you had an EARLIER stroke before enrolling in the policy, and that led to a denial, that's different. If you have a valid claim under the first scenario I described and it is denied, that could amount to bad faith. If it's the second scenario, which is failure of policyholder (you) to disclose all material facts about medical history, then the insurance company has a defensible position that they are probably going to fight you on. But it's difficult to give you a more definitive answer because your post is not clear as to which possible scenario it is. See if you could arrange a free initial consult with Illinois attorneys to review your claim file in detail. Good luck

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