If you are in the market for an Insurance Policy providing benefits in the event of your disability, there are many factors which you must consider in determining which policy is best in buying insurance coverage. The starting point is that you should always get a copy of the Insurance Policy before you start buying [...]
The federal regulations which govern the process of benefit claims made pursuant to a benefits plan governed by the federal statute commonly referred to as “ERISA” has a specific process for review of benefit denials, looked over by the Medical Records Reviewer. As discussed in other writings on this website, a claimant is required to [...]
Short Term and Long Term Disability benefits are a very valuable asset providing entitlement to periodic monthly payments. In assessing the value of such cases, it is important to understand how significant that income stream may be. The entitlement to benefits of a very valuable asset usually runs through age 65 or through what is [...]
There are any number of reasons an insurance company can use to deny benefits, limited only by the imagination of the claims representative. Of course, the insurance policy itself is a fertile ground for ERISA denials. An insured has to realize that the entire policy is designed to state reasons for ERISA denials. It is [...]
An employment end issues that have been happening often is people who think their entitlement to Short or Long Term Disability benefits ends with their employment. One of the problems associated with this is it is the employer who is telling disabled employee this. The fact is, if you became disabled at the time the policy [...]
There is a balance needed when insurance companies need to verify earnings from the professional as the production of tax returns before giving them their disability benefits claim. This office routinely represents professionals on disability benefits claims arising out of private disability benefits policies. Herbert M. Hill, P.A. has represented professionals such as medical doctors, dentists, [...]
If your treating doctor says that you are disabled, are my disability benefits denied? This is a question which goes to the core of the reasons why the federal statute known as ERISA (Employee Retirement Income Security Act) is really quite a cruel joke which Congress has played on the unsuspecting employees/insureds in favor of [...]
Can an Insurance company reduce long term disability benefits? This is a question which frequently comes up in long term disability benefits claims. Although the problem is really not so simple, the starting point in answering the question is found in those documents commonly referred to as the “Plan Documents.” These are the documents governing [...]
As a small firm, we are able to provide a unique and targeted strategy for our clients. Some people ask me if I can handle going up against the big insurance companies and the big law firms they hire. This is a fair question. I suppose the concern is that a small firm might be [...]
One of the most distressing letters you can receive is an insurance denial letter denying your claim for benefits. This insurance denial letter will carefully go through and discount without good reason all the evidence you have submitted demonstrating your right to receive the benefits which the insurance company agreed to pay. You paid good [...]
