At Herbert M. Hill, P.A., just about all we handle are short term disability and long term disability benefits claims. We routinely handle claims for individuals who are suffering from the catastrophic effects of chronic pain and pain medication dependence. It is always our intent to empathize with our clients’ medical conditions and understand how [...]
Recently, our office has heard from many clients that claims representative have directed them to appeal the denial of Short- and Long-Term Disability benefits in a short, direct statement. Some clients have come to us after having written to their insurance carrier only stating, “I appeal,” at the direction of the representative assigned to their [...]
Symetra Life Insurance Company is a new kid on the block in the Short Term Disability Long Term Disability industry, or, at least, this company has suddenly appeared on a slew of cases coming into our office. It is a corporation organized pursuant to the laws of the State of Washington. It has its home [...]
Over the many years that I have handled Short Term and Long Term Disability claims, I used to complain in my various writings about the fact the claimant was never afforded an opportunity to comment on the “Medical Records Reviewers Reports” relied upon by insurance companies to deny benefits. The governing federal regulations were changed [...]
There are so many reasons an Insurance carrier can decide to deny a claim for Long Term Disability benefits. There are those reasons that they use to deny on the surface and cite in a denial letter and there are those internal reasons which motivate the insurance companies to deny that you will not be [...]
Over the decades I have handled Short Term Disability and Long Term Disability benefit claims, I have watched the definition of “disabled” or “disability” change quite dramatically. Back in the 1980s and ‘90s, it was fairly routine for the definition to be whether you were disabled from your “own occupation.” Then, insurance companies have been [...]
Our office has been a paperless office for over 11 years. Other than very specific, original documents in our clients’ files, all the documentation that goes through our office is digitized. Being a paperless office is particularly helpful when handling a Long Term Disability claim, which is document intensive. This system allows us to keep [...]
If you hire me as your Long Term Disability attorney, one of the first letters I will send will tell you to keep a case diary. I cannot emphasize this enough, for a number of reasons. First, if you write it down, you do not have to remember it. This is helpful because this time [...]
There are many reasons you should have long term disability coverage. We're uncovering what it can do for you! The majority of people rely on their work income to pay for living expenses, like food and housing, and have no other means to support your family in the event of an illness or injury which [...]
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 [...]