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 [...]
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 [...]
Multiple Sclerosis (MS) is an insidious disease which is no respecter of age. With the MS disability, people routinely want to deny the physical complaints they are experiencing and, even when diagnosed, they want to deny the condition exists or persist in the belief that they will get past it or be part of the [...]
As Disability Insurance attorneys, we have seen more and more insurance companies aggressively use pre-existing condition exclusion clauses to deny Long Term Disability benefits. These clauses are often applied unfairly, and challenging them requires a careful review of the policy and medical records. How Pre-Existing Condition Exclusions Work These clauses generally apply if the 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 [...]
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 [...]
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, [...]
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. [...]
