Insurers often deny or terminate claims improperly as it serves their interest to do so. Insurers may claim that they are entitled to refuse to pay your benefits because you have not provided sufficient evidence of disability, because you suffered a disqualifying illness before the onset of your disability or because you have not taken all necessary steps to manage your disability. The insurer does not have the final say. It is always in your best interests to consult an experienced personal injury lawyer who will review your claim and determine whether you are entitled to your benefits.