Insurance

Insurance companies like Dearborn National are notorious for delaying, undervaluing, and denying legitimate insurance claims. If you find you can’t trust Dearborn National to honor the terms of your insurance policy, you can trust Donahue & Horrow to fight for you. We’re a Los Angeles-based law firm that has successfully secured millions of dollars for our clients in denied disability claims, including against Dearborn National. 

Our legal team has more than 80 years combined experience, and the compassion and the urgency to hold Dearborn National accountable for their actions. We value our clients and treat them with the dignity and respect they deserve during their most vulnerable times. 

Call us today if you think that you’ve been treated unfairly or unethically by Dearborn National: (877) 664-5407. 

 

About Dearborn National – An HCSC Subsidiary

The Dearborn Group is a subsidiary of Health Care Service Corporation (HCSC), which is the largest customer-owned health insurance in the country. The HCSC network includes Dearborn National, Medecision, and the Dental Network of America. Dearborn offers short-term disability, long-term disability, life, and accident insurance, as well as vision and critical illness care. 

Overall, the HCSC organization includes approximately 1,300 wholly-owned subsidiaries, and serves more than 16 million members across five states (Illinois, Montana, New Mexico, Oklahoma, and Texas). In 2018, the company received nearly $36 billion in statutory revenue, while HCSC’s statutory surplus reached $16.8 billion. So Dearborn National has the resources available to pay your valid claim, they are just choosing not to do so.

Despite HCSC’s friendly messaging about its economic and social impact, policyholders often struggle to receive the insurance benefits they’re rightfully owed. If your Dearborn National insurance claim was delayed, undervalued, or denied, contact Donahue & Horrow today to discuss your short-term disability, long-term disability, life, or accident insurance claim. 

Donahue & Horrow is based in Los Angeles, and our legal team routinely handles cases throughout California and secured client settlements against large insurance providers like Dearborn National. Call us at (877) 664-5407.

 

Dearborn National’s Tactics to Deny Insurance Claims

Dearborn National has a well-documented history of denying policyholders’ valid insurance claims. 

The company understands that paying out insurance claims is a significant cost to the organization’s earnings. Some standard tactics to look out for include:

• Denying an insurance claim after ignoring the insured’s statements about their actual, everyday occupational demands;
• Using biased physician reviews to wrongfully deny or terminate disability insurance benefit claims; and
• Not advising and educating customers about the appeal process after an insurance claim denial. 

 

In addition to these tactics, Dearborn National and other major insurance companies often resort to “wear down” strategies in the hopes that policyholders like you will give up rather than fight for your benefits by:

• Repeatedly making burdensome requests for more and more documentation, even for documentation you already submitted;
• Downplaying medical evidence – including objective and subjective data – which supports the disability or entitlement to insurance benefits;
• Requesting and relying on so-called “independent” medical reviews by unqualified physicians or other medical professionals; or
• Lengthy delays before making a decision on a disability insurance claim.

 

Real Examples of Dearborn National Denying Claims

Dearborn National has been involved in countless lawsuits regarding the company’s practices and denying policyholders’ insurance claims. For example, in the early 2000s, a woman was diagnosed with polycythemia and polycythemia vera, which caused symptoms such as headaches and dizziness. After filing a claim for disability benefits, Dearborn National let the plaintiff know that such a claim was received by a third-party administrator, but this third party indicated they didn’t receive any such claim. The plaintiff then had to take her case before a Federal Court that applied the Employee Retirement Income Security Act (ERISA). 

Dearborn National’s involvement with ERISA cases goes much deeper than “losing” claims. In 2010, Dearborn National and the Dearborn Group were involved in a case that involved a plaintiff who suffered post traumatic stress disorder and couldn’t return to her job. The employee was paid 13 weeks of short-term disability insurance but was denied her long-term disability (LTD) benefits, and the plaintiff was forced to file an ERISA appeal to fight for her LTD benefits. Eventually, the claimant had to file an ERISA lawsuit to get the deserved benefits. 

 

Don’t Be Discouraged – Act Now!

We understand that it can be challenging to take on an insurance company, both in terms of deciphering your individual policy and meeting strict timelines to file an appeal and/or a lawsuit, especially since ERISA imposes strict timelines that even most attorneys do not understand. 

If you’re dealing with a denied insurance claim from Dearborn National, we urge you to take action today and don’t delay another second. Call us at (877) 664-5407 to speak with our legal team about working to secure the insurance benefits that you’re owed.

Donahue & Horrow has represented many Dearborn National insurance claimants, and our attorneys will ensure the company is held accountable for denying your insurance claim. We know the Dearborn National playbook, and if you hire us, we won’t rest until your every need is satisfied during this challenging time. Call today for a free consultation about your Dearborn National insurance claim: (877) 664-5407.