Once again dear readers, I’ve been moved to write one of my infrequent blog posts.  Frankly, I’d much rather, when I have the occasional time and impulse to do so, personally write about an issue that we regularly encounter. 

Disability insurance claims can be the lifeline that keeps individuals financially stable when health conditions prevent them from working. However, not all disability coverage is created equal. Short-term and long-term disability claims differ in duration, eligibility, benefits, and legal obligations, making it crucial for claimants to understand how each operates.

When an insurance company denies your claim, the aftermath can be stressful, frustrating, and financially draining. You may feel abandoned by a system that was supposed to protect you in times of loss. Whether you’re dealing with property damage, health expenses, or denied coverage after an accident, it’s easy to feel like you’re facing an uphill battle.

Facing financial struggles can feel isolating, and the fear of losing your home only adds to the stress. When mortgage payments become unmanageable, you may feel pressured to find a quick solution, which makes you more vulnerable to scams. Unfortunately, illegal loan modification schemes prey on these situations, promising relief that often never materializes.

When multiple people have been harmed in a similar way, the law offers a way for us to pursue justice together. At Liggio Law in Lake Worth Beach, FL, we often see how a class action lawsuit can provide more strength, efficiency, and fairness than going it alone.

Losing a loved one unexpectedly is one of the most painful experiences any family can endure. When that loss happens because of someone else’s negligence or misconduct, the emotional and financial toll can be overwhelming.

Facing foreclosure is a stressful experience for any homeowner, but it becomes even more troubling when that foreclosure is wrongful. Wrongful foreclosure happens when lenders bypass legal procedures or make errors that strip homeowners of their property.

Reverse mortgages, particularly Home Equity Conversion Mortgages (HECMs), have become a popular financial tool for seniors in Florida seeking to tap into their home equity without monthly mortgage payments. However, these financial products come with significant risks, especially when misused or exploited.

Health insurance policies and Health Maintenance Organizations (HMOs) play a significant role in determining how individuals access medical care in West Palm Beach.

If your disability insurance claim has been denied, you're not alone. Insurance companies often deny valid claims, leaving people without the financial support they need.

Insurance companies have a legal duty to act in good faith when handling claims, but many prioritize profits over policyholders. At Liggio Law in West Palm Beach, Florida, we’ve seen insurers deny valid claims, delay payments, and misinterpret policies to avoid payouts. When an insurer unfairly refuses to honor a policy, this may constitute bad faith insurance practices.

Corporate misconduct can have devastating consequences for consumers, often leaving them with financial losses, defective products, or even serious injuries. Unfortunately, large corporations have the legal resources to challenge individual claims, making it difficult for a single consumer to take action.

​​Dealing with health insurance claims can be frustrating, especially when insurers undervalue or deny legitimate requests for coverage. At Liggio Law in West Palm Beach, Florida, we know how often insurers put their financial interests above policyholders' needs. These tactics leave many patients struggling to afford necessary treatments and care.

Debt collection can be stressful, especially when collectors use aggressive or deceptive tactics. At Liggio Law in West Palm Beach, Florida, we know how overwhelming it can feel to be on the receiving end of constant calls and letters. Fortunately, Florida law offers strong consumer protections to prevent unfair treatment. Knowing your rights can make a significant difference in how you handle collection attempts.

To say I’m an infrequent blogger is an understatement, but I’m very frustrated, and I just had to get this off my chest. I’ve been practicing law now for more than 41 years. During that time, I’ve won some and I’ve lost my share of lawsuits.

We’ve had the very great privilege of representing individuals and their families in a wide variety of health insurance disputes since I began practicing law in 1982. Our firm, Liggio & Cornell, prosecutes a wide variety of health insurance and managed care disputes.

In a recent opinion, the Florida Supreme Court reversed a Fourth DCA decision and instead reinstated a jury verdict awarding a GEICO insured $9.2 million due to GEICO’s bad faith handling of a wrongful death claim.

We’ve been litigating and trying cases against the insurance industry for almost 30 years now. (Time sure flies…). Many of the laws that govern insurance here in Florida and elsewhere, begin with “model acts” drafted by The National Association of Insurance Commissioners

Article with great insurance advice before hurricane season in South Florida.

Last September, I posted about reverse mortgages. We agreed to represent our client, Mrs. Gravlin 4 days before the trial was scheduled in the foreclosure action.  She had a reverse mortgage, they were foreclosing on her (despite what you might have seen on TV commercials, you can lose your house…..)