When Short Term Disability or Long Term Disability benefit claims are denied an “Administrative Appeal” must be filed. This is a time when you really need an attorney to guide you through the regulatory you will encounter. The new regulations concerning the use of “medical records reviewers” hired by the insurance company to render medical [...]
Could your social media account affect your disability claim? Find out below. Many of our clients ask whether their disability insurance company will investigate them either in person or online. Taking your child to school, having dinner with family or friends, or engaging in your favorite hobbies can turn an innocent life activity into one that [...]
It seems there are more and more Long Term Disability claims coming to our attention here at Herbert M. Hill, P.A. involving pre-existing conditions. Let me explain generally how this exclusion works. However, let me remind the reader that the governing Plan Documents have to be reviewed to be specific to your circumstance. Generally, if [...]
So many clients report to me that they used a particular Social Security representative because their Long Term Disability insurance company recommended the representative. It has been told to me any number of times that the disability insurance company representative will tell them the insurance company will pay the attorney’s fees if the long term [...]
Whenever a claim for Long Term Disability benefits goes into a lawsuit, the Court will order the parties to engage in pre-trial settlement procedures, either in the form of arbitration or mediation. Mediation is the course which Long Term Disability benefit claims generally follow. While the Court orders the parties to mediation, the process is [...]
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 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 [...]