It has become over the years we have represented claimants in Short Term Disability and Long Term Disability claims that insurance companies make a habit of denying claims that involve a relatively small amount for total benefits. I say "relatively" because the amount of money to the insurance company is truly a pittance but for [...]
Over the years, it has become clear to the undersigned that Long Term Disability insurance companies look to many factors other than the merits of the claim in determining whether to pay benefits. The only valid considerations are medical and vocational evidence. Of course, an insurance company will always try to wriggle through one of [...]
As part of our goal of serving our clients from beginning to end on their Short Term Disability and Long Term Disability claims, we routinely address questions arising out of the myriad state and federal statutes which govern these claims and other end of employment rights. The alphabet soup of statutory names alone can be [...]
As Orlando attorneys, we're sharing the effect of COVID-19 on our clients and the community. COVID-19 For many people, the pandemic of COVID-19 and mental health have gone hand in hand. Starting in January, as news of the potential effect of this illness has spread and it began affecting Americans in a significant way, a [...]
Once a Long Term Disability claim has been denied for the final time, or exhausted, a lawsuit may be filed. At this point in time, we begin to have serious discussions with our client regarding the actual value of their claim. This point is most often discussed in the context of a mediation, which is [...]
One thing we always find startling is the answer we generally receive when we ask our clients how much they expect to receive when and if Social Security Disability is awarded. We need to have this information to assess the economic value of a client’s Long Term Disability benefits. Now, we are not primarily intent [...]
Many of us have read the book “Who moved my cheese?” It is about what to do when the world I may have constructed for myself is completely blown up by circumstances beyond my control. Every one of my clients has experienced this, especially for those claiming long term disability benefits although even a short [...]
At Herbert M. Hill, P.A., just about all we handle are short term disability and long term disability benefits claims. We routinely handle claims for individuals who are suffering from the catastrophic effects of chronic pain and pain medication dependence. It is always our intent to empathize with our clients’ medical conditions and understand how [...]
Treating doctor cooperation can feel like a trap. We're uncovering the facts: There is one big stumbling block with evidence in Long Term Disability benefit claims governed by the federal statute known as the Employee Retirement Income Security Act (“ERISA”), 29 U.S.C. §1001, et seq. That problem relates to medical evidence. As discussed elsewhere, the trial of the [...]
Mass Mutual is a corporation organized pursuant to the laws of the State of Massachusetts. It has its home office in Springfield, Massachusetts where it also has its claims offices. Mass Mutual is authorized to do business in the State of Florida. At Herbert M. Hill, P.A., we have handled [...]
