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 [...]

Lyme Disease Disability Benefits

By |2019-01-30T11:27:22+00:00July 10th, 2018|Blog, Long Term Disability|

Your insurance company may attempt to withhold Lyme Disease disability benefits from you. Here’s how we can help prevent this from occurring. This debilitating medical condition first came to my attention during a difficult case some long time ago. I saw the significant impact this insidious disease can have. However, there are Lyme Disease disability [...]

Cigna Long Term Disability Benefits

By |2018-07-19T12:51:47+00:00July 1st, 2018|Blog, Long Term Disability|

It can be stressful trying to get your Cigna Long Term Disability benefits without the help of a lawyer. Here’s why you need a lawyer to help you resolve issues with Life Insurance Company of North America. Cigna is a parent company which has multiple insurance companies under its umbrella.  The primary company with which [...]

Our Law Firm Mission Statement

By |2018-06-12T15:36:48+00:00June 11th, 2018|Blog|

Recently, we’ve got to thinking about our law firm mission statement and what it means to us and our clients. Some many years ago, I read the book entitled “Seven Habits of Highly Effective People” by Stephen Covey. One of the habits in question is “First Things First.” Now, when I first read about this, [...]

Dr. Phillips: Long Term Disability Benefits

By |2018-06-12T15:45:21+00:00June 1st, 2018|Blog|

Do you live in Dr. Phillips and need legal representation on a claim for Long Term Disability benefits?  We are lawyers who limit our practice to representing claimants for Long Term Disability benefits in and around Florida and Dr. Phillips Long Term Disability benefits. Having been born in Central Florida, I can remember when Dr. [...]

More About Unum Long Term Disability Benefits

By |2018-05-10T12:26:15+00:00May 10th, 2018|Blog|

Unum Life Insurance Company is a company which causes a lot of people to call me about their claims handling practices, even when Unum Long Term Disability benefits are being paid. Unum has an affiliation with the following companies which also issue Long Term Disability insurance policies: Paul Revere Provident First UNUM UNUM UNUM Provident [...]