Private Disability Policies2020-07-10T14:33:15-04:00

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Private Disability Policies: Applications, Claims and Denials

Private Disability Policies Orlando are ones which are purchased separate and apart from one’s employment “package.”  As a result, the policies are usually for a set amount rather than a percentage of earnings.  Usually, the policies are for specific positions even within a given profession.  The laws which govern these policies vary from state to state, usually the laws of the state in which the policy was delivered.  Notwithstanding, the contents of the policy is essentially the law between the parties so it is important to know that you have the entire policy which typically includes the application.  It is important to have a disability insurance attorney review these documents to get a clear outline of your benefit entitlement and how it is to be enforced.

Mr. Hill, is an experienced disability insurance attorney in Private Disability Policies Orlando who has personally dealt with disability insurance, has successfully handled applications, as well as claims and denials on private disability claims for the following professions:

  • medical doctors
  • chiropractors
  • professional assistants
  • dentists
  • attorneys
  • engineers
  • architects
  • accountants
  • veterinarians
  • contractors
  • entrepreneurs
  • trade professionals

There are “ins and outs” associated with each profession which must be understood and properly handled.  At the same time, the insurance companies will try to put your claim into its “box” which your claim may not quite fit in.  Of particular concern here is the professional who works far beyond the point in time at which his or her doctor would suggest that he or she should stop work.  Even picking out the correct date of disability might be a stumbling block, which is why you need a trained and experienced disability insurance attorney.

Contact the law office of Herbert M. Hill to be your Private Disability Policies Orlando attoney, if you need help navigating your insurance claim paperwork, or if your insurance claim has been denied. We can help you create a game plan to get you the coverage and benefits to which you are entitled.  You do not have to face the insurance company and its lawyers alone.


Unfortunately, my medical condition forced me to stop working. After applying for Long Term Disability benefits through coverage I had with my employer, I was forced to look for representation. No attorney would take my case until I consulted with and hired Herbert M. Hill, P.A. to enforce my rights. It was an excellent decision. Mr. Hill and staff worked promptly to appeal the benefit denial. The appeal was successful and I have been on benefits ever since. After that, Mr. Hill kept my file open. His firm has handled all paperwork and walked me through each issue which came up.


I am a former manager of a well known telecommunications company. After many years on a successful career path, my health conditions forced me to file for Long Term Disability benefits. Although it seemed to me that I was clearly disabled, the insurance company denied my benefits. It was at this time that I decided to employ the services of Herbert M. Hill, P.A. to assist me with the claims. I am glad I did.


At any given time, I knew where my case stood. If I had any questions, they would be answered on my first call or by the end of the same day.

The case was handled efficiently and in a timely manner. I have and will continue to recommend Mr. Hill.


The undersigned is a veterinarian whose health conditions forced me to file for disability benefits, including benefits pursuant to an “overhead” policy.

There were any number of issues which arose, none of which I would have expected. Mr. Hill even came to my office for a review of my office procedures and a meeting with the insurance company’s field representative.

-A.G., DVM

The assistance provided by Mr. Hill and his staff proved invaluable, even continuing with related issues which have continued to arise after my disability claims were approved…

I am extremely grateful for the personal concern shown – not only about my claims but about me – his staff’s concerns as to how my claims and the issues relating thereto would affect me, as a person.

- A.D., Esq.

Mr. Hill filed an appeal which resulted in an early settlement of the ensuing lawsuit which was the result I wanted. Because of the successful handling of that claim, I retained Mr. Hill to handle an issue which arose in conjunction with my entitlement to continuing pension benefits. Mr. Hill again filed an appeal which resulted in those benefits being reinstated.

I was very pleased with not only the favorable results secured as a result of Mr. Hill’s representation but also the manner in which he handled the claim and kept me advised throughout the proceedings.

- S.V.
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