Dealing with Unum Life Insurance Company Denials? Herbert M. Hill, P.A. is Here to Help People are getting frustrated with Unum Life Insurance Company denials. Here is how Herbert M. Hill, P.A. can help. Understanding Unum Life Insurance Company Denials Unum Life Insurance Company of America is a corporation organized under the laws of the [...]
Many individuals face denial of the last month or weeks of Short Term Disability benefits by insurance companies, even without significant improvement in their condition. This tactic is often used to prolong the claims process. Let's explore why and how you can proceed. Understanding Insurance Company Tactics Insurance companies may withhold the end of Short [...]
When involved in a claim for Short Term Disability or Long Term Disability benefits, it is very important for the claimant to keep a personal Case Diary involving the case. This point cannot be stressed enough. Let me explain why. Everyone Takes Notes—You Should Too Insurance company representatives, doctors, and your attorney are all documenting [...]
I represent claimants against insurance companies which issue Short Term and Long Term Disability benefits policies. I can say that every one of these companies has issued a denial of benefits which can only be described as astonishing. They include Aetna, Prudential, Hartford, Provident, Unum, MetLife, Penn Mutual, MassMutual, MONY, Diversified Management Services, Lincoln, Reliance, [...]
Choosing the Right Lawyer for Your Long Term Disability Benefits Claim When deciding to hire a lawyer for your Long Term Disability (LTD) benefits claim, several important factors should guide your decision. Understanding the Importance of Local Representation In today's digital world, the definition of "local" has evolved. While having a lawyer in close proximity [...]
If you are in the market for an Insurance Policy providing benefits in the event of your disability, there are many factors which you must consider in determining which policy is best in buying insurance coverage. The starting point is that you should always get a copy of the Insurance Policy before you start buying [...]
The federal regulations which govern the process of benefit claims made pursuant to a benefits plan governed by the federal statute commonly referred to as “ERISA” has a specific process for review of benefit denials, looked over by the Medical Records Reviewer. As discussed in other writings on this website, a claimant is required to [...]
Short Term and Long Term Disability benefits are a very valuable asset providing entitlement to periodic monthly payments. In assessing the value of such cases, it is important to understand how significant that income stream may be. The entitlement to benefits of a very valuable asset usually runs through age 65 or through what is [...]
There are any number of reasons an insurance company can use to deny benefits, limited only by the imagination of the claims representative. Of course, the insurance policy itself is a fertile ground for ERISA denials. An insured has to realize that the entire policy is designed to state reasons for ERISA denials. It is [...]
An employment end issues that have been happening often is people who think their entitlement to Short or Long Term Disability benefits ends with their employment. One of the problems associated with this is it is the employer who is telling disabled employee this. The fact is, if you became disabled at the time the policy [...]
