Struggling to Get Disability Benefits from AXA Equitable/DMS? Nancy L. Cavey Can Help
At The Law Office of Nancy L. Cavey, our AXA Equitable/DMS disability claims attorney is standing by, ready to help you secure the full and fair financial compensation that you rightfully deserve. With more than 37 years of experience, we have helped over 5,000 policyholders secure their benefits. If your disability claim was denied by AXA Equitable/DMS, Nancy L. Cavey is more than prepared to begin working on your case. To set up a free, no-obligation consultation with an experienced disability rights lawyer, please contact our St. Petersburg law office today.
What to Know About AXA Equitable/DMS Disability Insurance
AXA Equitable Life Insurance Company is a large financial services company with the main office in New York, New York. The company is the provider of a number of different insurance policies, including short-term and long-term disability coverage. For the most part, AXA Equitable disability claims are handled by a company called Disability Management Service (DMS)—an independent, third-party claims administrator with headquarters in Springfield, Massachusetts.
If you or your loved one has disability coverage through a policy held by the AXA Equitable Life Insurance Company, it is essential that your family is able to access all entitled financial benefits without delay. Most likely, your AXA Equitable disability claim will be handled by Disability Management Service (DMS). Unfortunately, large insurance companies like AXA Equitable and third-party administrator companies like DMS can be difficult to work with.
Know Your Right to Appeal an AXA Equitable Disability Denial
Was your short term disability claim or long term disability claim denied by the AXA Equitable Life Insurance Company or by Disability Management Service (DMS) on behalf of AXA Equitable? If so, you have the right to fight back. Federal and state regulations allow policyholders/beneficiaries the right to appeal a disability denial. In preparing an appeal, you should address the insurance company’s stated reasons for denial directly. Some notable reasons why claims are denied include:
- An error in the application for disability benefits;
- Missing medical records or disability documentation;
- A dispute over the implications of medical evidence;
- The use of a policy exclusion by the insurer; and
- Bad faith insurance practices.
Strict Deadline: Do Not Miss Out On Your Chance to File an Appeal
A disability denial letter from an insurance company should include instructions for filing an appeal. Among other things, these instructions should state the deadline for challenging a denial. You must comply with this deadline—otherwise, your appeal could simply be dismissed without a hearing. For ERISA disability policies (employer-based insurance), you typically have 180 days to appeal. For non-ERISA policies, you may have less time than that to take action.
AXA Equitable/DMS Disability Insurance: FAQs
How Do I Apply for Disability Benefits Through an AXA Equitable Policy?
To bring a short term or long term disability claim through AXA Equitable/DMS, you must fill out and send in all of the required claims forms. If you have an employer-based disability insurance policy, your supervisor/HR manager should be able to help you get access to all of the forms. Alternatively, you can also access forms directly online through the Equitable claims form library.
What is the Length of Long Term Disability Benefits?
The duration of disability benefits depends on several different factors, including the specific terms of your plan. In general, short term disability policies provided by AXA Equitable provide benefits for somewhere between 13 weeks and 26 weeks. The maximum duration of long term disability benefits could be several years, potentially until the policyholder’s expected age of retirement.
Can I Afford to Hire a Disability Lawyer?
Yes. You can always afford to hire an experienced Florida disability lawyer for help with your AXA Equitable/DMS claim. At The Law Office of Nancy L. Cavey, we offer a no-fee guarantee to clients. You do not have to worry about out-of-pocket costs—our disability law firm only gets paid when we successfully recover disability benefits on your behalf.
Was Your Disability Claim Denied By AXA Equitable?
Our law firm is here to help. At The Law Office of Nancy L. Cavey, our Florida disability attorney has the skills and experience to handle AXA Equitable claims and appeals. Contact us today for a free review of your case. From our legal office in St. Petersburg, we represent policyholders and beneficiaries throughout Florida, including in Tampa, Sarasota, Naples, Orlando, Daytona, Miami, Miami Beach, Fort Lauderdale, West Palm Beach, Gainesville, Jacksonville, and Tallahassee.