Individual Insurance

(First Party Insurance bought directly from an agent)

You buy insurance to protect your assets and your livelihood.  Tucker & Ludin is there when the insurance company decides not to pay your claim.  Insurance Attorney John Tucker manages Tucker & Ludin's Insurance Benefits practice team to help you recover benefits that are due to you.  Some examples of insurance claims that we handle include:

  • Disability Insurance (Short Term Disability and Long Term Disability)
  • Health Insurance
  • Life Insurance
  • Accidental Death & Dismemberment Insurance
  • Long Term Care Insurance

What are some of the advantages of having individual insurance?

Unlike insurance your purchase through work (which is governed by a federal law called ERISA), individual insurance policies are covered by state law.  Having an individual insurance policy in Florida offers certain advantages, including:

  • In most situations, if you have to sue your insurance company, there is a law that makes the insurance company pay your attorney fees.
  • If you have to file a lawsuit against your insurance company, you will get a trial before a jury.  For group plans covered by ERISA, you only get a Judge who will probably decide your case on written motions without a jury.
  • There are shorter deadlines for the insurance company to act on your claim.
  • Insurance companies may be subject to punitive damages for acting in bad faith.
  • In most cases, you are entitled to interest on unpaid benefits.

Tucker & Ludin offers Free Consulations - please give us a call.

At Tucker & Ludin, our attorneys and staff are committed to aggressively representing those who have been wrong denied insurance claims.  If you feel we may be able to assist you, please call us at (727) 572-5000 or toll-free at (866) 282-5260.