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 money to be secure against the calamity now before you and now they seem to be taking that good money and making every effort to refuse to pay. Then, as if to rub salt in the wound, the suggestion is made that you can file an appeal with them if you have any other evidence you want to submit. Submit an appeal to the very company which just denied benefits on clear evidence demonstrating the obligation to pay? How would any other evidence get them to reconsider when they have proven they will ignore just about anything?
Unfortunately, submitting that appeal is required in just about every case. If your case is governed by the federal statute commonly referred to as ERISA (Employee Retirement Income Security Act), it is absolutely required before you can file a lawsuit to enforce your rights. ERISA is a statute which governs just about every employment fringe benefit you have, from medical benefits to disability benefits, pension benefits, 401k benefits, life insurance, dental, vision and any other provided by your employer. The obligation to appeal and Insurance denial letter may even be important in private disability, medical or life insurance policies as it may be necessary to protect your rights to all benefits, including attorney’s fees.
Handling the appeals of insurance denials for disability, medical, life and pension benefits, among others, is what we do at Herbert M. Hill, P.A. In addition to providing you with cutting edge, competent and professional legal representation, we are able to step in and handle for you the stress of dealing with the abusive claims representative and ensure that your claim is presented in as favorable a light as possible in the hopes of securing a favorable result on appeal, but all the while making it clear to the insurance company that if they do not pay now, they will be facing a lawsuit to secure that result.
In the course of our practice, we bring claims against every major insurer, including Aetna, Prudential, MetLife, Unum, Provident, Paul Revere, Standard, Reliance Standard, Cigna, Life Insurance Company of North America (LINA) and any other insurance company which might issue a policy of insurance insuring your rights to medical, disability, life, dental, vision or any other benefit. We have represented employees of every major employer in the southeast, including all of Florida, Georgia, and Alabama.
Please keep in mind that the foregoing is not intended as legal advice applicable to any individual person’s unique legal situation. Its sole purpose is to give a general idea of the existing status of the law as it applies to the point of law addressed above. You cannot rely on the foregoing as legal advice. You cannot make legal decisions based on its contents. If you have questions arising out of this point of law about your insurance denial letter, you should contact an attorney who routinely handles claims involving policies of disability insurance. The law offices of Herbert M. Hill, P.A. handles such cases and would welcome the opportunity to discuss your case with you, at no charge. You can contact me at 407-839-0005 or at hmh@herbertmhill.com.
If you would like, after discussing your case, we can set a conference. That conference would be free of charge and you would be under no obligation to hire me nor would you feel any pressure from me to do so.
Herbert M. Hill, P.A. is a law firm located in Orlando, Florida with a practice extending throughout the state of Florida and the southeastern part of the United States, including Georgia and Alabama. Areas of practice include disability and employee benefit claims of all sorts. The firm handles any claims arising under the Employee Retirement Income Security Act (known and referred to as “ERISA”) for disability benefits, medical benefits, retirement benefits of any sort, including pension, 401k, termination agreements or the like as well as claims arising under private disability policies.
