Could your social media account affect your disability claim? Find out below. Many of our clients ask whether their disability insurance company will investigate them either in person or online. Taking your child to school, having dinner with family or friends, or engaging in your favorite hobbies can turn an innocent life activity into one that [...]
It seems there are more and more Long Term Disability claims coming to our attention here at Herbert M. Hill, P.A. involving pre-existing conditions. Let me explain generally how this exclusion works. However, let me remind the reader that the governing Plan Documents have to be reviewed to be specific to your circumstance. Generally, if [...]
So many clients report to me that they used a particular Social Security representative because their Long Term Disability insurance company recommended the representative. It has been told to me any number of times that the disability insurance company representative will tell them the insurance company will pay the attorney’s fees if the long term [...]
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 [...]
In Long Term Disability claims governed by the federal statute known as the Employee Retirement Income Security Act, or ERISA, medical evidence is often the most important part of the case. One of the most significant challenges claimants face is obtaining meaningful cooperation from their treating physician. Without that support, even a valid claim can [...]
Mass Mutual is a major insurance provider with its home office in Springfield, Massachusetts, and is authorized to do business in Florida. While Mass Mutual provides Short Term and Long Term Disability coverage, claimants often encounter challenges when applying for or appealing disability benefits. Understanding your rights and the claims process is critical to protecting [...]
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 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 [...]
Most Long Term Disability policies I have reviewed over the years include mental illness limitation provisions, restricting the period of time benefits are payable on claims involving mental or nervous conditions, such as anxiety, depression, and more. Often, insurance companies try to expand the definition of these limitations to their broadest scope. Types of Clauses [...]
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 [...]
