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Cognitive Brain Disease

By |2018-11-19T15:20:44+00:00November 12th, 2018|Blog, Life Insurance|

Cognitive Brain Disease can sneak up in a number of situations. It's important to be knowledgeable about what to do if you find yourself struggling with such a disorder. When considering a case involving any condition of the brain, the primary importance is any policy language because it attempts to limit your benefit entitlement due to [...]

Reliance Standard Life Insurance Company

By |2018-10-31T16:57:28+00:00October 20th, 2018|Blog, Life Insurance, Long Term Disability, Short Term Disability|

Reliance Standard Life Insurance Company is a corporation organized pursuant to the laws of the State of Pennsylvania. Its home offices are located in New York City and Philadelphia, and its claims offices are located in Philadelphia, as well. Reliance Standard is authorized to do business in the State of Florida. The starting point is [...]

Mental Illness Limitation

By |2018-10-15T13:41:18+00:00October 1st, 2018|Blog|

Most Long Term Disability policies I have reviewed over the years have provisions which limit the period of time benefits are payable on claims involving mental or nervous conditions, such as, anxiety, depression, etc. I say “etc” because, in fact, the insurance companies typically try to expand the definition to its broadest limit. There are [...]

United of Omaha Denials

By |2018-10-15T13:35:41+00:00September 15th, 2018|Blog|

United of Omaha, and its related entity, Mutual of Omaha, are insurance companies whose names have been coming to the attention of the undersigned more regularly during recent years to handle United of Omaha Denials.  I do not know if they are writing more policies or just denying more claims. United of Omaha is a [...]

Liberty Life Assurance and Liberty Mutual Denials

By |2018-08-13T14:10:48+00:00August 13th, 2018|Blog, Life Insurance|

People are getting frustrated with Liberty Life Assurance and Liberty Mutual denials of their benefits. Here is how Herbert M. Hill, P.A can help. These two companies, Liberty Mutual and Liberty Life Assurance are companies which are indistinguishable. They are corporations organized under the laws of the State of Massachusetts where it has its home [...]

Pre-existing Conditions Exclusion Clauses: How to Avoid Them

By |2018-08-13T13:54:26+00:00August 3rd, 2018|Blog|

As Disability Insurance attorneys, one thing which has come to our attention more and more often is the aggressive use of “pre-existing condition” exclusion clauses to preclude payment of Long Term Disability benefits. These clauses generally apply when the disability occurs within 1 year of the date the disability insurance became effective. This is usually [...]

Lyme Disease Disability Benefits

By |2018-07-20T10:22:30+00:00July 10th, 2018|Blog, Long Term Disability|

Your insurance company may attempt to withhold Lyme Disease disability benefits from you. Here’s how we can help prevent this from occurring. This debilitating medical condition first came to my attention during a difficult case some long time ago. I saw the significant impact this insidious disease can have. Science tells us that this disease [...]

Cigna Long Term Disability Benefits

By |2018-07-19T12:51:47+00:00July 1st, 2018|Blog, Long Term Disability|

It can be stressful trying to get your Cigna Long Term Disability benefits without the help of a lawyer. Here’s why you need a lawyer to help you resolve issues with Life Insurance Company of North America. Cigna is a parent company which has multiple insurance companies under its umbrella.  The primary company with which [...]

Our Law Firm Mission Statement

By |2018-06-12T15:36:48+00:00June 11th, 2018|Blog|

Recently, we’ve got to thinking about our law firm mission statement and what it means to us and our clients. Some many years ago, I read the book entitled “Seven Habits of Highly Effective People” by Stephen Covey. One of the habits in question is “First Things First.” Now, when I first read about this, [...]