Mediations – A Primer

By |2018-12-26T15:43:34+00:00December 26th, 2018|Blog, Long Term Disability, Short Term Disability|

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

By |2018-12-11T15:58:20+00:00December 12th, 2018|Blog, Long Term Disability|

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 Claims

By |2018-11-19T15:31:33+00:00November 26th, 2018|Blog, Long Term Disability, Short Term Disability|

 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

By |2018-11-19T15:20:44+00:00November 12th, 2018|Blog, Life Insurance|

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

By |2018-10-31T16:57:28+00:00October 20th, 2018|Blog, Life Insurance, Long Term Disability, Short Term Disability|

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 [...]

Mental Illness Limitation

By |2018-10-15T13:41:18+00:00October 1st, 2018|Blog|

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 [...]

United of Omaha Denials

By |2018-10-15T13:35:41+00:00September 15th, 2018|Blog|

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 [...]

Liberty Life Assurance and Liberty Mutual Denials

By |2018-08-13T14:10:48+00:00August 13th, 2018|Blog, Life Insurance|

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 [...]

Pre-existing Conditions Exclusion Clauses: How to Avoid Them

By |2018-08-13T13:54:26+00:00August 3rd, 2018|Blog|

As Disability Insurance attorneys, one thing which has come to our attention more and more often is the aggressive use of “pre-existing condition” exclusion clauses to preclude payment of Long Term Disability benefits. These clauses generally apply when the disability occurs within 1 year of the date the disability insurance became effective. This is usually [...]