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!

CONTACT ATTORNEY RANDAL FORD by filling in your information below.