01 November

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Representing Hartford Group Insurance Disability Policyholders | Claims Denied

The Harford Group which was number one in group disability sales in 2005 also sells business overhead planned protection for business owners who suffer disability and can’t work. Business overhead coverage reimburses actual business expenses such as office rent, utilities and employees salaries. It is not uncommon for business owners or professionals to have both disability income benefits and disability business overhead insurance. The Hartford has launched a campaign to give American workers information to protect their income by giving out “thousands of reusable shopping bags,” that contain this information. Hartford has begun its “second annual food for thought campaign,”...

01 November

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Essential Duty Definition of Hartford’s Denial of Long Term Disability Benefits to Transplant Coordinator

Posted by Nancy Cavey

in Hartford Insurance Company

In the recent case of Alexander vs. Hartford Life: An Accident Insurance Company, the United States Court Appeals for the 5th Circuit, dealt with Hartford policy that provided that a person was “disabled” if “he or she is prevented from performing one or more the Essential Duties of Your Occupation.” The Hartford policy “your occupation” as “your occupation as is recognized in the general workplace, bracket, not the specific job that you are performing for a specific employer at the specific location.” The policy also defined “Essential Duty” as a duty that is...

01 November

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Representing ING Disability Claims and Policy Holders in Florida

Posted by Nancy Cavey

in ING Insurance Company

ING offers short term and long-term disability benefits through ReliaStar Life Insurance Company of New York. ING employee benefits describes their approach through disability income insurance as "emphasizing a collaboration among our claims specialists and rehabilitation experts, health care profession and employer and employee for a timely return to work." This is disability insurance code language for ING putting their heads together with their claims specialists, their doctors and their vocational rehabilitation counselors in an effort to deny your Long Term Disability benefits on the basis that you are capable of working. More information about this can be found at...

01 November

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Lincoln Financial Insurance Company Insurance Denied Policy Holders Disability Denied Attorney

Posted by Nancy Cavey

in Lincoln Financial Insurance Company

I am a student of American history and one of my heroes is Abraham Lincoln. The Lincoln National Life Insurance Company was named at the suggestion of Perry Randall, a Fort Wayne attorney and entrepreneur, who suggested that the name “Lincoln” would powerfully convey a spirit of integrity as embodied by Abraham Lincoln. In fact, in August of 2005 Robert Todd Lincoln provided a photograph of his father for the companies stationary and advertising. Lincoln National’s president hired Dr. Lewis Warren, a Lincoln scholar, in 1928 and subsequently they acquired one the largest collections of books about Abraham Lincoln in the...

01 November

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Representing Mass Mutual Financial Group Disability Claims in Florida

Posted by Nancy Cavey

in Mass Mutual Insurance Company

Massachusetts Mutual Life (Mass Mutual) is owned by Mass Mutual Financial Group, which was founded in 1851. Mass Mutual sells many insurance products including disability income insurance. In 1996 it merged with Connecticut Mutual and acquired various commercial, finance and investment services. Mass Mutual Financial Group has created a disability insurance guide for individuals and families entitled “Disabled? Me? Never!” Mass Mutual Financial group knows that if you couldn’t work, you are and your family would have difficulty in meeting its financial obligations including paying your mortgage, car payment, utilities, education and living expenses. They provide a worksheet to help...

01 November

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Denied Met Life Disability Claims and Cherry Picking Medical Records

Posted by Nancy Cavey

in Met Life Insurance Company

Do you believe that you have been denied on the basis of a selective medical review? It isn't uncommon for the MetLife administrator to "cherry pick" medical evidence to support their claim's denial to avoid addressing all of the components of important evidence and end your case. If that's happened to you take heart. In Kinser v. Plans Abnin. Committee of Citigroup, Inc., 488f.supp.2d1369 (1383) (N.D.GA. 2007), MetLife's decision to deny benefits under self funded plan. This held by the court to be arbitrary and capricious when it relied on a selective review...

01 November

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Representing Monarch Life Insurance Claims and Policyholders

Posted by Nancy Cavey

in Monarch Insurance Company

Monarch Life Insurance Company was once owned Monarch and Capital Corporation but has been in rehabilitation since June 1994. The company stopped providing new disability income business in 1993. Monarch Life Insurance Company is still in receipt of ownership under supervision by the Massachusetts Division of Insurance who is ensuring that the company regain its financial footing.Monarch Disability Insurance Company financial status worries many Monarch disability policyholders. It is no surprise that Nancy Cavey, leading provider of Long Term Disability legal services in the United States, is contacted by Monarch disability insurance policyholders. If you have questions regarding Monarch Disability...

Author: Nancy Cavey