Your Long Term Disability benefits represent an income stream designed to help you financially up to the point of retirement age. For many of my clients, it is one of the most valuable and important assets they have. One of the reasons many clients do not properly value this benefit is because they are hopeful [...]
Aerospace behemoth Lockheed Martin employs over 100,000 people worldwide. With offices all over the nation, and particularly in and around Central Florida, this employer can experience human resource concerns that run the gamut of complexity. What do I do if My Long Term Disability Benefits are Denied by Lockheed Martin? Employers like Lockheed Martin do [...]
A lot has been going on in the corporate for Long Term Disability insurance companies such as Cigna, Life Insurance Company of North America (LINA), New York Life, Liberty, and Lincoln. Now, no one outside the corporate confines will ever know the real reasons underlying all the recent buying and selling of corporate assets. We [...]
Unum Life Insurance Company of America is headquartered in Maine, with claims offices in Chattanooga, Tennessee, and a mail drop in Columbia, South Carolina. Recently, Unum acquired several disability insurance companies, among them Paul Revere and Provident. At Herbert M. Hill, P.A., we routinely deal with Unum both during the administrative review process and as [...]
In this blog, we are outlining the top five reasons Long Term Disability claims are denied. Reason #1: Insufficient evidence to Support Disability This is by far and away the rationale for denying most of the claims which this law office encounters. Claims representatives point to a lack of objective evidence and/or a lack of [...]
Lloyd's of London is one of the oldest insurance companies in the world still offering coverage. Llyods offers private, as well as employer-based, disability policies for individuals most typically seeking excess disability coverage. Unlike other corporations offering insurance, Lloyd’s is a corporate body established by the legislation of Great Britain creating an umbrella of insurance [...]
Every Short Term Disability or Long Term Disability benefits insurance policy reviewed by the author has a provision allowing the insurance company an opportunity to conduct its own “independent” medical examination of the claimant, commonly referred to as an “IME.” There are any numbers of reasons an insurance company might avail itself of its rights [...]
The cheap little, mean, ways that insurance companies use to get out of paying benefits would be astonishing if they were not quite so sad. Of course, the insurance company started out by writing an insurance policy which is just a minefield of reasons to deny the deserving claimant. If that does not work, then [...]
Insurance companies are required to consider not only the disabling medical conditions but also the side effects suffered by a claimant as a result of medications that have been prescribed. Do medications affect a long term disability claim? The insurance company is required by governing case law to give consideration of the impact those medications [...]
In the early stages of your Short Term Disability claim, the focus is on whether you can perform your own occupation with the Employer. The hoped-for result is a disability claim which extends only for a short duration during which your position is protected for 12 weeks by the federal statute commonly referred to as [...]
