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Frequently Asked Questions

What Do I Need To Know About the Contestability Clause?

Frank Darras:

“The last thing most people think about when they’re getting ready to file a claim is the information that they provided at application time. The carrier is going to look for two ways to eliminate your claim in total. Number one– if you have a 2-year contestability clause, that means the carrier gets to look backwards in time. And if, during the first two years that the policy’s in force, they can show that you materially misrepresented, they can rescind the policy, return the premiums, plus interest, and you’re out.”

“If they have an “except fraudulent misstatement” provision in the policy, 15, 20 years later they can come back and look at the financial, the occupational, and the medical information to see whether you materially misrepresented. And then they do the same thing. They return your premium, with interest, and the policy is null and void.”

“So we always, at DarrasLaw, look at the application to see whether there was any misinformation. Did the agent or broker mishear, misunderstand, or misrecord the information? So we can beat the “except fraudulent misstatement” or the 2-year contestability clause.”

Our Promise To Our Clients:

  • FREE: Consultations and Insurance Case Evaluations Are Always Free
  • UNDERSTANDING: We understand how you feel. Our clients are often at the very bottom of their life, feeling emotionally, physically, and financially exhausted.
  • PASSIONATE PEOPLE: Our expert Attorneys and Dedicated Staff Love The Work We Do. We are Compassionate, Caring, and Results Driven.
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  • RESPECTED: We have fought and won the respect of every disability and Long-term care insurance carrier for our policyholders.
  • RESULTS: Frank Darras and his firms have recovered nearly a $1 billion dollars in wrongfully denied insurance benefits to date, and we put that proven track record to work for you and your family.

DarrasLaw is Americas' most honored and decorated disability litigation firm in the country. Mr. Darras has seen more, evaluated more, litigated more, and resolved more individual and group long term disability and long-term care cases than any other lawyer in the United States.

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