28 October

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Disability Insurance Claim Denied by Hartford | Florida Hartford Disability Claim Denied Attorney

Have you looked at Hartford's website? Its advertising tag line is "Group Benefit: Experience without Equal. Benefits Without Burden" is anything but for its disability denied policy holders. It is more like "experience claim denial and face financial burdens!" Hartford acknowledge's that "1/3 of people between the ages of 35 and 65 will suffer a serious disability" and it is "#1 in new Group Disability sales" in 2005. But what it does not talk about is its claims handling process and agressive use of field statements by its investigators and the use of surveillance companies. The Law Offices of Nancy L. Cavey...

28 October

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Florida UNUM Disability Facts | Tampa Bay UNUM Disability Denial Lawyers

Posted by Nancy Cavey

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UNUM, one of the largest short and long term disability insurance companies in the United States, knows that "the average age of a UNUM disability applicant is 45." Harris Interactive notes that "only 5% of baby boomers realize they have a 1-3 chance of becoming disabled during their working years." Many UNUM disability policy holders buy UNUM short and long term disability coverage to "replace part of your income so you can focus on recovery instead of worrying about your ability to pay the bills." Unfortunately, The Law Offices of Nancy L. Cavey, your UNUM Disability Denial Lawyers, know all to...

28 October

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Tampa Bay UNUM Provident Denial Attorneys | UNUM Locations

Posted by Nancy Cavey

in UNUM Insurance Company

If you have any questions about your UNUM Provident disability policy or have a question about filing a disability claim, I suggest you order a free copy of my book "Robbed Of Your Peace Of Mind." This book will help answer your questions about your UNUM disability policy and explain the claims process. You can also contact UNUM at their Corporate offices. Corporate offices 1 Fountain Sq Chattanooga, TN 37402 423-294-1011 2211 Congress Street Portland, ME 04122 207-575-2211 18 Chestnut Street Worcester, MA 01608 774-437-4441 655 N. Central Avenue Suite 900 Glendale, CA 91203 800-424-2008 1200 Colonial Life Blvd. Columbia, SC 29230 803-798-7000 or call UNUM Monday - Friday, 8:00 a.m. - 8:00 p.m. EST at 1-866-679-3054. Remember your call ...

28 October

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Florida Hartford Disability Insurance Claim Denial Attorney | Tampa Bay

Posted by Nancy Cavey

in Hartford Insurance Company

Are you a Hartford disability insurance policy holder whose claim for disability benefits has been denied? If so, Hartford Disability benefits denied lawyer Nancy Cavey says, "You have been robbed of your peace of mind!" Have you looked at the Hartford Group Benefits web page "Protecting Your Income with Disability Insurance?" There are some great facts about long term- disability: "1. 1/3 of people between ages 35 and 65 will suffer a serious disability. 2. About 1 in 7 people can expect to be disabled for 5 years or more. 3. 48% of mortgage foreclosures are the result of disability." These are compelling reasons to have...

28 October

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Florida Hartford Disability Insurance Claim Denial Attorney | St. Petersburg

Posted by Nancy Cavey

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If you are a Hartford disabiilty insurance policy holder and you are thinking about filing a short or long term disability claim, you should contact Hartford disability benefits denied lawyer, Nancy Cavey, based in St. Petersburg, Florida. She helps Hartford disability policy holders who have been wrongfully denied their disability benefits and has written a free consumer guide about long term disabiity polices and claims. Avoid making a mistake in your claim! If you need to contact Hartford Disability to file a claim, their address is: Group Benefits The Hartford P.O. Box 2999 Hartford, CT 06104-2999 They can be reached by phone: For Group Life, Disability, and...

28 October

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Learn the Truth About UNUM

Posted by Nancy Cavey

in UNUM Insurance Company

UNUM Provident Insurance Company, was created in 1999 by the merger of UNUM corporation with Provident Companies and in 2007 the name was shortened to UNUM. It does not matter if the company name is UNUM, UNUM Provident or Provident, the result is the same. The Law Offices of Nancy L. Cavey, your Tampa and St. Petersburg UNUM Provident Disability Denial lawyers, see the same problems over and over. In a great article in consumeraffairs.com, there are over 20 pages of consumer complaints about UNUM Provident claims handling, improper denials, delayed benefits, and more. This article outlines the nightmares that UNUM Provident...

28 October

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The Long Term Disability Adjuster Wants to Take My Statement or Come To My House! How Can I Protect Myself?

Posted by Nancy Cavey

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Quite frankly, if the a long-term disability or ERISA carrier calls and askes to take your statement or arrange a field visit you are in trouble! In my experience, disability claims are denied, generally, for three reasons: 1. No objective evidence of your diagnosis; 2. No objective evidence of your disability; 3. No evidence of causal relationship between your disability and your inability to engage in your own occupation or any occupation. The long-term disability or ERISA carrier wants to take your statement or arrange a field visit because they question what your doctor says about your restrictions and limitations and what you are reporting...

28 October

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Long Term Disability Applicants Must Apply for Social Security Disability Benefits

Posted by Nancy Cavey

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UNUM, the nation’s largest disability insurance company, routinely requires long-term disability applicants to apply for Social Security Disability benefits, regardless of whether the applicant is really entitled to Social Security benefits. Why do they do that? Because most long-term disability policies have a provision that allows them to reduce your long-term disability benefits by the amount of any Social Security disability benefits you may receive. If you do not apply, companies like UNUM take the position that you are getting Social Security benefits, and will automatically reduce your long-term disability benefits. UNUM processed “almost 4000 disability claims in 2007, and paid...

28 October

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Dentists and Disability Insurance Florida Disability Issues

Posted by Nancy Cavey

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How much is your peace of mind worth to you and your family? If you become disabled and are unable to work, dental disability insurance is essential to help you maintain your current practice and your lifestyle. According to a recent survey, nearly half of one million people who filed for bankruptcy in the United States did so because of an illness or an injury. If you’re involved in a car accident, suffer a sports injury, or have any other painful condition, you may be unable to continue your practice and be forced to close or even sell your practice. It’s essential...

28 October

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What Every Medical Professional Needs to Know About ERISA Disability

Posted by Nancy Cavey

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It is important that medical professionals understand their long-term disability policy so they can prevent the disaster of being disabled and being unable to recover the benefits they deserve. Did you know that there are three types of disability policies? Do you know which kind you have? The first is an individual disability policy, which you may have purchased directly from a carrier and which provides you long-term disability benefits in the event of sickness or injury. Do you know that there are two types of individual policies? The first is a general policy that insures you against being disabled and being able...

Author: Nancy Cavey