Treating doctor cooperation can feel like a trap. We're uncovering the facts: There is one big stumbling block with evidence in Long Term Disability benefit claims governed by the federal statute known as the Employee Retirement Income Security Act (“ERISA”), 29 U.S.C. §1001, et seq. That problem relates to medical evidence. As discussed elsewhere, the trial of the [...]
Mass Mutual is a corporation organized pursuant to the laws of the State of Massachusetts. It has its home office in Springfield, Massachusetts where it also has its claims offices. Mass Mutual is authorized to do business in the State of Florida. At Herbert M. Hill, P.A., we have handled [...]
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 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 [...]
Most Long Term Disability policies I have reviewed over the years include mental illness limitation provisions, restricting the period of time benefits are payable on claims involving mental or nervous conditions, such as anxiety, depression, and more. Often, insurance companies try to expand the definition of these limitations to their broadest scope. Types of Clauses [...]
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 [...]
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 [...]
Multiple Sclerosis (MS) is an insidious disease which is no respecter of age. With the MS disability, people routinely want to deny the physical complaints they are experiencing and, even when diagnosed, they want to deny the condition exists or persist in the belief that they will get past it or be part of the [...]
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 [...]
