Individual, non-ERISA Long term disability insurance policies are purchased in advance by those with higher paying jobs in order to protect their income. These policies protect the insured individual and their family by providing income replacement and reimbursement for activities of daily living.\r\n\r\nThe process of making one of these claims can be tricky as the insurance company will conduct an analysis of the insured\u2019s financial records and medical records. The insurance company will also likely require a compulsory medical examination of a doctor chosen by the insurance company.\r\n\r\nIt is important to understand your insurance policy coverages and application of Florida insurance law so that your claim is approved. Our knowledge and experience can assist you in making these claims against your homeowners insurance company. If your insurance company denies your claim, Florida insurance law requires your homeowners insurance company to pay your attorney fees and costs.\r\n\r\nContact us today to schedule a free initial consultation with one of our attorneys.