Was Your Long Term Disability Claim Denied By Assurant/Union Security? We Can Help
At The Law Office of Nancy L. Cavey, our Florida disability attorney has the skills and experience needed to hold Assurant/Union Security accountable for paying claims. With a concentration in disability law, our firm works tirelessly to help people and families get successful results. If your short-term or long-term disability claim was denied by Assurant/Union Security, we are here to protect your rights. To arrange a free, no-obligation initial consultation with a top-rated Florida disability claims attorney, please contact our St. Petersburg law office today.
Assurant/Union Security Disability Coverage: An Overview
Assurant is a multi-billion dollar insurance company with headquarters in New York, New York. It provides insurance services, including disability coverage nationwide. Recently, Assurant entered an agreement with Union Security Insurance Company, a Kansas City-based insurance company that is part of the CUNA Mutual Group.
If you have disability coverage through Assurant, Union Security, or a provider owned by the CUNA Mutual Group, it is imperative that you are able to access your full and fair benefits without delay. Unfortunately, some policyholders struggle to get their disability claims paid by large insurance companies.
You Have the Right to Appeal a Disability Denial
Was your short-term disability claim or long-term disability claim denied by Assurant or Union Security? If so, you are certainly not the first person to run into trouble when applying for disability compensation. As frustrating as it can be to deal with a denial, you have the right to appeal. Assurant, Union Security, and other insurance companies do not have the power to make the final decision on your benefits.
Assurant/Union Security has a legal responsibility to treat you fairly. Take a close look at your disability denial letter. You need to make sure that you have a general understanding of the insurance company’s reason for denying disability compensation. In your appeal, you will need to address this reasoning head-on—supplemental evidence may be required.
A Disability Appeal Must Be Initiated Before the Deadline
You should be ready to take action as soon as possible after receiving a disability denial letter from Assurant or Union Security. With ERISA claims, you have 180 days to appeal. With other types of disability claims, the deadline to appeal may be shorter. It is crucial that you comply with all relevant deadlines, as failure to do so could result in the loss of opportunity for an appeal.
Assurant/Union Security Disability Claims: Frequently Asked Questions (FAQs)
What Can I Get in Disability Benefits From Assurant/Union Security?
To determine the amount of disability compensation that you can qualify for through Assurant or Union Security, you should obtain a copy of your policy. With short-term disability benefits, Assurant plan payments vary on several different factors. With long-term disability benefits. Assurant & Union Security plans often provide beneficiaries with financial support worth 60 percent of their pre-disability pay—up to certain maximum limits. If you have any specific questions about your policy, our attorney can help you determine how much you are eligible to receive.
How Long Will My Benefits Pay Out For?
The length of your disability benefits will depend on the specific terms of your policy. In general, Assurant and Union Security policies typically provide somewhere around a maximum of 25 weeks in short-term disability benefits. In contrast, long-term disability benefits will generally last until a recipient’s normal retirement age.
How Much Does it Cost to Hire a Disability Attorney in Florida?
A disability denial can put a serious financial strain on your family. It is normal to be worried about the cost of pursuing an appeal. With The Law Office of Nancy L. Cavey, all of our clients are protected by our no-fee guarantee. You pay nothing unless we win your case. Further, our law firm provides free, fully confidential initial consultations.
Was Your Disability Claim Denied By Assurant/Union Security?
We are here to help. At The Law Office of Nancy L. Cavey, our Florida disability attorney is ready to put in the time, resources, and personal attention to ensure that you receive the highest level of legal representation. If you are struggling to recover disability benefits from Assurant/Union Security, we are more than ready to help. Contact us today for a no-cost, no-obligation review of your case. We help clients with disability claims and appeals throughout Florida.