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, we have seen more and more insurance companies aggressively use pre-existing condition exclusion clauses to deny Long Term Disability benefits. These clauses are often applied unfairly, and challenging them requires a careful review of the policy and medical records. How Pre-Existing Condition Exclusions Work These clauses generally apply if the disability [...]
