Many income protection insurance companies go to great lengths to avoid paying out claims to clients. Income protection insurance claims can be declined for a number of reasons, some of which can be controversial and based on an incorrect interpretation of the facts. The fallout can be extremely stressful, with the client usually hamstrung financially. Not only has their income ceased, but they may feel as though they have to fight their insurance company to overturn the decision without any income. That’s where we can help.
Insurers like to stack the odds in their favour when it comes to avoiding paying out claims to clients. Exclusions and clauses within policies are typically designed in such a way to limit a client’s ability to claim in the face of unfortunate and entirely sincere circumstances.
What this means is that it can be very wise to seek advice before you submit you claim.
Shine Lawyers are experts when it comes to standing up for those who have had their income protection claim unfairly declined. We have the clout and the experience to take on the big insurance companies throughout New Zealand and the South Pacific, helping you get the compensation you need.
What’s more, as part of the Shine group of lawyers, we have the backing and expertise of teams of experts in our Australian offices who have taken hundreds of these cases. We give the little person the power and resources to take on these cases.