Waiver Of Life Insurance Premium Disability Claims2020-07-10T14:31:41-04:00

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Waiver Of Life Insurance Premiums

Typically, as part of your entitlement to life insurance benefits, there is a provision which provides that when you are disabled, the life insurance premiums for that benefit are waived. Many of the same issues which arise in connection with Short Term or Long Term Disability benefits claims also arise in conjunction with Waiver of Life Insurance Premium claims Orlando.  The issue is generally whether you are able to perform the “material and substantial” duties of either your own occupation or any occupation for which you are reasonably qualified by way of education, training or experience.  This definition, of course, can vary from policy to policy.  The benefit entitlement has to be proven by medical evidence although, of course, doctors very rarely put such specific information in their medical records. Generally, and naturally, doctors focus on the medical issues so their medical records basically have to be “interpreted” to determine if their findings support disability for this type of claim.

One rather odd situation which arises in these cases is one in which the disability benefits claim is being paid but the Waiver of Life Insurance Premium Disability Claims Orlando of premium entitlement is being denied or vice versa.  This seeming anomaly arises more often than would be expected.  It is as if the insurance company’s right hand is not talking to its left.

This is a benefit which should not be overlooked when a person is in the process of pursuing Short Term and Long Term Disability benefits.  Sometimes the potentiality of the need for the life insurance is not considered during the claim for disability benefits.  The insurance company cannot be relied upon to bring it up.

As part of your representation on your group disability benefits claim, we will review the matter to assess whether this benefit entitlement exists and, if so, we will assist you as necessary to protect this valuable right as well.


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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