If you are disabled and unable to work, you are welcome to sit in my chairs. We want you to be comfortable when you discuss your disability claim, but we know you would much rather be up and around than sitting in my office. So, I have these two beautiful chairs in my office. They [...]
A recurring concern in every group Long Term Disability benefits claim is the way Long Term Disability and Social Security offsets interact. Two problems commonly arise in this context. The first issue involves situations where an individual receives Social Security benefits, leading to an overpayment of benefits. It is often during this time that claimants [...]
What do I do when New York Life denies my LTD claim? New York Life touts its Short Term and Long Term disability insurance as financial protection against the risk of losing your paycheck or income because of sickness or injury. In reality, you may find that battling New York Life for your right to [...]
Your Long Term Disability benefits represent an income stream designed to help you financially up to the point of retirement age. For many of my clients, it is one of the most valuable and important assets they have. One of the reasons many clients do not properly value this benefit is because they are hopeful [...]
Aerospace behemoth Lockheed Martin employs over 100,000 people worldwide. With offices all over the nation, and particularly in and around Central Florida, this employer can experience human resource concerns that run the gamut of complexity. What do I do if My Long Term Disability Benefits are Denied by Lockheed Martin? Employers like Lockheed Martin do [...]
A lot has been going on in the corporate for Long Term Disability insurance companies such as Cigna, Life Insurance Company of North America (LINA), New York Life, Liberty, and Lincoln. Now, no one outside the corporate confines will ever know the real reasons underlying all the recent buying and selling of corporate assets. We [...]
Unum Life Insurance Company of America is headquartered in Maine, with claims offices in Chattanooga, Tennessee, and a mail drop in Columbia, South Carolina. Recently, Unum acquired several disability insurance companies, among them Paul Revere and Provident. At Herbert M. Hill, P.A., we routinely deal with Unum both during the administrative review process and as [...]
In this blog, we are outlining the top five reasons Long Term Disability claims are denied. Reason #1: Insufficient evidence to Support Disability This is by far and away the rationale for denying most of the claims which this law office encounters. Claims representatives point to a lack of objective evidence and/or a lack of [...]
Lloyd's of London is one of the oldest insurance companies in the world still offering coverage. Llyods offers private, as well as employer-based, disability policies for individuals most typically seeking excess disability coverage. Unlike other corporations offering insurance, Lloyd’s is a corporate body established by the legislation of Great Britain creating an umbrella of insurance [...]
Every Short Term Disability or Long Term Disability benefits insurance policy reviewed by the author has a provision allowing the insurance company an opportunity to conduct its own “independent” medical examination of the claimant, commonly referred to as an “IME.” There are any numbers of reasons an insurance company might avail itself of its rights [...]
