Experienced Attorneys Protecting Clients Across Florida
The Law Offices of John D. Ameen Experienced Attorneys Committed to Protecting You

Disability Insurance Claim Denial & Appeal Lawyers in Fort Lauderdale

Holding Insurance Carriers Accountable All Over South Florida

Did you know that a majority of disability insurance claims nationwide are denied in the initial application process? Even if claims are appealed and lost, a high percentage end up getting approved when a second appeal is filed. The scales will tip even more in your favor if you have an experienced legal team by your side fighting to protect your rights and making sure you get the benefits you deserve. At the Law Offices of John D. Ameen, P.A., we have a proven track record throughout South Florida of obtaining fair recoveries for our clients. Our founding attorney John Ameen has successfully resolved disability insurance disputes for over 20 years through negotiation, and litigation when necessary.

Call (800) 953-2858 now to schedule your free consultation with the Law Offices of John D. Ameen, P.A. We will review your policy and help gather the necessary documentation to build a winning claim.

About Our Firm

As a small boutique law firm, we provide a level of personal attention and care that is difficult to find at larger firms. We believe that tremendous physical, emotional, and financial hardship should be met with compassionate counsel and aggressive advocacy.

We assist disability insurance claimants with any issues that may arise in the claims application and appeals processes. John D. Ameen, P.A. has the knowledge and resources to deliver the best possible outcome for you and your family.

Our team does this through:

  • Gathering medical evidence to prove your disability
  • Guiding you through the steps of filing a claim or appeal
  • Prosecuting bad faith insurance company practices

Holding Insurance Companies Accountable for Denied Disability Claims

If your disability claim was denied, the insurance company breached their contract, meaning you can sue them directly in state or federal court. You can pursue a bad faith lawsuit if you believe the insurance company engaged in unfair practices to deny or delay your claim.

Examples of bad faith practices include:

  • Deliberate misinterpretation of records or policy language to avoid coverage
  • Failing to thoroughly investigate a claim in accordance with the company’s procedures
  • Misclassifying disability
  • Trying to settle your claim for less than what a reasonable person would expect to receive

Understanding Disability Insurance

According to national Social Security statistics, 56 million people nationwide suffer from physical, psychological, or emotional disabilities. If someone can no longer earn a paycheck on their own due to an unfortunate injury or illness, disability insurance—also known as income replacement benefits—can provide a much-needed lifeline. Unfortunately, it’s not always easy to retrieve the benefits to which you are entitled.

Common conditions that qualify as disabilities include:

  • Physical disabilities such as arthritis, spine, neck and back disabilities, carpal tunnel, nerve impingement.
  • Mental and emotional disabilities, including anxiety disorders, post-traumatic stress disorder (PTSD), depression and cognitive impairments.
  • Nervous system disabilities and chronic pain disabilities, including reflex sympathetic dystrophy (RSD), fibromyalgia and chronic fatigue syndrome.
  • Disabling diseases such as HIV/AIDS, lupus, ALS, cancer and Parkinson’s disease.

Employer Disability Insurance AKA ERISA

If you need long-term disability benefits from your employer, an attorney can greatly help you get approval through the Employee Retirement Income Security Act of 1974 (ERISA). ERISA is a complex federal law that was designed to protect employees’ access to disability in the event of a serious injury or prolonged illness.

Our firm can help you understand the complicated requirements and strict deadlines imposed by ERISA. We can also help you deal with ERISA’s plan administrators, which are usually large insurance companies.

The ERISA Appeals Process

If your ERISA claim has been denied, the insurance company must provide a detailed explanation in writing as to why the claim was denied and information on the appeal process. To appeal the denial, you must exhaust all administrative remedies before filing a lawsuit. You have 180 days to file an appeal in writing. If you do not, you may never be able to introduce documentation to prove your disability.

John D. Ameen, P.A. can help you meet this deadline and gather evidence to help your case. This may include:

  • Comprehensive financial, employment, and medical records
  • Physician’s letters
  • Statements of co-workers, colleagues, and friends

Get help from the Law Offices of John D. Ameen, P.A. by dialing (800) 953-2858 today or contacting us online.

Client Testimonials

The Opinions that Matter Most
  • “If we ever have any issues your number is on our speed dial.”

  • “Great personal injury attorney”

  • “John Ameen is a great attorney who wins.”

  • “I feel they were looking out for my best interest.”

  • “My family loves John as our lawyer.”

  • “He even gave me his cell phone number.”


Our Values

Our Commitment to Clients Across Florida
  • Free Case Evaluations with Experienced Attorneys

  • Passion for Making Sure that Every Client is Compensated Fairly

  • Personal, Individualized Attention for Each of Our Clients

  • Millions of Dollars Recovered from Insurance Companies

  • Direct Attorney Access, Flexible Hours & 24/7 Call Answering

  • Spanish & Creole Language Options Available for Clients

  • Experienced Former Insurance Defense Attorneys on Staff

  • Over 50 Years of Combined Legal Experience on Your Side

Take Your First Step Toward Recovery

Let us help you recover the financial compensation you need to get your life back on track.

Schedule a Free Case Evaluation