If your treating doctor says that you are disabled, are my disability benefits denied? This is a question which goes to the core of the reasons why the federal statute known as ERISA (Employee Retirement Income Security Act) is really quite a cruel joke which Congress has played on the unsuspecting employees/insureds in favor of [...]
Can an Insurance company reduce long term disability benefits? This is a question which frequently comes up in long term disability benefits claims. Although the problem is really not so simple, the starting point in answering the question is found in those documents commonly referred to as the “Plan Documents.” These are the documents governing [...]
As a small firm, we are able to provide a unique and targeted strategy for our clients. Some people ask me if I can handle going up against the big insurance companies and the big law firms they hire. This is a fair question. I suppose the concern is that a small firm might be [...]
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 [...]
Our office routinely represents professionals on disability benefits claims arising out of private disability benefits policies. One issue which routinely arises is the production of tax returns. Herbert M. Hill, P.A. has represented professionals such as medical doctors, dentists, orthodontists, optometrists, podiatrists, psychologists, veterinarians, lawyers, engineers, and accountants. They all have been requested the production of [...]
After many years in the legal business do you ever wondered why you should hire Herbert M. Hill, P.A? Today we're sharing the reasons why. Why hire Herbert M. Hill , P.A.? One of the great advantages my firm offers is the fact that I am paperless. The cases I handle typically would have so [...]
One topic which has weighed on my mind recently is that of Insurance Company contact with my client’s Health Care Providers. Too often this is handled in a fashion designed to discount or even change the clear opinions of your doctors regarding their medical findings and related physical restrictions. Let me identify some of the [...]
Beware the claims representative who is your buddy is the guy who holds himself out as your friend. He will tell you everything is fine and not to worry. The claims representative will appear helpful and, at least at first, may be so. Please do not be drawn in. Do not tell personal information which [...]
Exhaustion of administrative remedies is one quirk of claims governed by ERISA is the requirement that “administrative remedies” be exhausted prior to the filing of a lawsuit to enforce rights to the claimed benefit entitlement. “Quirk” is a polite term because the exhaustion of administrative remedies requirement is, quite frankly, another one of the numerous [...]
Does an overpayment occur in a disability claim? It is unfortunate that so many people do not realize that the disability insurance company is allowed to offset benefits you receive from other sources, thereby dramatically reducing or even, in some cases, eliminating the benefit claim entitlement. Just about every person who comes to me is [...]
