Help when your health insurance claim is rejected or stopped
When you feel that your claim is being wrongly denied, our specialist team is here to fight your corner and help alleviate financial worries at this stressful time of your life.
Sudden and long-term illness is not something anyone likes to think about, but taking measures to safeguard your income when you are ill is a smart move to make. Or so you think. But when you cannot work due to illness and your insurer won’t pay out – what do you do then? An expert on your side is your best chance of getting the compensation you deserve.
Expert help to support your permanent health insurance claim
Permanent health insurance (also known as income replacement insurance, income protection insurance, long-term disability insurance or disability income insurance) policies are notoriously complicated; they come with a variety of exclusions and the level of cover differs widely. On top of that, PHI claimants are actively targeted by insurers as never before often with surveillance, pro-insurer doctors and other methods.
Our insurance claims team has extensive experience in dealing with insurance claims
As we are recognised by The ME Association and Action for ME, we often act for clients suffering from conditions such;
Legal assistance with a Critical Illness Policy claim
Critical Illness Policy claims are also notoriously difficult with insurers anxious not to pay out, even when your family member has a serious illness.
Insurers routinely trawl through your GP records and the policy application form. They may wish to allege that there has been material non-disclosure regarding your medical history which will invalidate the claim. The policies also narrowly restrict the level of critical illness that the insurers will pay out on.
Our track record includes successes with claims against Unum, Liverpool Victoria, Aviva, Canada Life, Zurich and many other insurers.
Our personal injury law expertise means that have an understanding of the medical aspects of your claim and excellent links with medical experts in the right disciplines who will be able to help us and you get the right result.
We often persuade the insurers’ solicitors to honour PHI claims without resorting to lengthy and stressful court proceedings.
“What the team is known for:
Somerset-based practice that comes recommended for its focus on spinal cord and brain injuries. Also offers niche expertise in areas such as fatal accidents and animal cases. Demonstrates further skill in the area of asbestos-related diseases.
“I feel there is a strong culture within the firm that fosters excellence delivered in a friendly, approachable way,” reports a source.
Another interviewee states: “They are the best local firm for me to deal with as their whole focus is professional and efficient.”
Represented a claimant who suffered serious brain injury, in a Criminal Injuries Compensation Authority case worth £15.8 million.
Stuart Brazington (Band 1) leads the brain injury team and possesses notable expertise in serious spinal cord injury claims. One source highlights: “He’s a brain injury specialist; it’s a tricky area and he’s very good at it. He knows a lot about medicine as well as litigation tactics.”
Senior associate Mark Hambleton (Associate to watch) offers particular strength in severe injury cases arising from accidents involving animals, sports and motorcycles.
Louise Hart is Recognised Practitioner.”
Chambers 2018 Somerset
“What the team is known for:
Outstanding personal injury practice adept at handling an impressive breadth of claims, including industrial disease cases, cycling accidents and equine matters. Notable expertise in chronic pain and fatal accidents as well as catastrophic injuries, with a focus on brain and spinal injuries.
Interviewees praise the lawyers’ involvement in each case: “They are very supportive of clients, you get the feeling that it’s not just business to them. They work well in teams, are responsive and quick to get back to you.”
Others agree, and attest the success of this ethos: “We were never made to feel like a case, we were treated with open communication as we if we were in a partnership. The attention to detail and professionalism of the lawyers led to great results.”
The “tenacious and excellent” Ian Carrier (Band 1) focuses on catastrophic injury work, primarily spinal and brain injuries, as well as fatal accident claims. One client states: “He has strong communication skills, and excellent and far-reaching technical knowledge. We could not have asked for a better partners, it was just superb case management.”
Tracy Norris-Evans (Band 1) is highly reputable in claims of high complexity and severity including paediatric cases as well as those with complex neurological issues. One interviewee states: “She is very thorough and has an exceptionally good manner with clients. She is someone who inspires trust.”
Helen Childs (Band 2) is a specialist in industrial diseases and is especially noted for asbestos litigation. One client attests: “She is an expert in this field, which was paramount. She worked tirelessly and went to the moon and back for us. She was empathetic and genuine, nothing was too much trouble.“”
Chambers 2018 Oxford and Surrounds
“Royds Withy King’s personal injury team has ‘a wealth of experience and a very client-focussed approach’. It is ‘very strong on brain injury claims’ and provides an overall ‘excellent’ level of service. Particular areas of expertise include spinal injuries, chronic pain, complex regional pain syndrome, amputations, asbestos-related diseases, fatal accidents as well as claims arising from accidents involving animals, in particular horses. The ‘vastly experienced’ team is jointly led by Louise Hart and Stuart Brazington. The ‘tenacious’ and ‘knowledgeable’ Hart has ‘unrivalled’ experience in acting for clients who have sustained a personal injury with subsequent chronic pain’ while the ‘highly competent’ Brazington is ‘a very good strategist’. Senior associate Mark Hambleton, whose specialisms include sports-related injuries, is ‘client-focused’. The practice’s recent caseload includes representing a client who had suffered a severe hypoxic brain injury in a multi-million-pound claim before the Criminal Injuries Compensation Authority (CICA) First Tier Tribunal, the High Court and the Court of Appeal.”
Legal 500 2017 South West
“The ‘excellent and forward-thinking firm’ Royds Withy King in Oxford, which ‘strikes the right balance through quality advice and great client care’, was created through a merger between law firm Royds and the Bath-based Withy King in September 2016. Team lead Tracy Norris-Evans specialises in brain injury and paediatric claims and also acts as a professional deputy, while the ‘experienced practitioner’ Ian Carrier is known for his spinal injuries and fatal accidents work and has ‘impressive attention to detail and case preparation skills’. Other notable individuals are Richard Brooks, who regularly handles animal-related claims and ‘knows equine matters inside out’, and industrial diseases expert Helen Childs. As a result of the merger, James Millar Craig, who gained experience in permanent health insurance cases, was added to the team. The ‘highly organised, knowledgeable and approachable’ associates Jennifer Seavor and Rachel James joined from Boyes Turner and Irwin Mitchell, respectively. Especially recommended in ‘asbestos-related claims’, Seavor represented a client who had developed mesothelioma through his occupation at a railway company from the late sixties to the early seventies; he wanted the claim to settle during his lifetime and accepted an offer of £230,000.”
Legal 500 2017 South East