At The Law Office of Nancy L. Cavey, our Florida Berkshire disability insurance denied attorney is a skilled, results-focused advocate for policyholders and their family members. With more than 37 years of relevant legal experience, Nancy L. Cavey knows how to hold large insurance companies like Berkshire accountable for the full and fair benefits that they are guaranteed. She represents policyholders who are submitting claims for long-term disability and business overhead benefits.
It is important that you understand what your Berkshire policy says, the policy limitations and have your practice financial house in order before you file a Berkshire disability claim. Unfortunately, even a relatively small error could cause you problems. If your Berkshire disability claim has been delayed, denied, disputed, or even terminated, Berkshire disability lawyer Nancy Cavey can be contacted at 727-475-7435. Call us now for a free, fully confidential initial disability consultation.
What to Know About Berkshire and Disability Claims
Berkshire Life Insurance Company is headquartered in Massachusetts and has field offices throughout the United States. Berkshire, which offers individual and business owners disability insurance policies, is a fully owned subsidiary of the Guardian Life Insurance Company of America. As of early 2015, Berkshire administers most of the disability policies offered by Guardian Life.
Similar to other large insurance corporations, Berkshire has deep pockets. It puts a lot of effort into training its representatives and adjusters to protect the company. Giant corporations are focused on their profits and delivering value for their shareholders. Unfortunately, insurers like Berkshire can be aggressive—they frequently delay, underpay, or deny valid disability claims.
Why Are Disability Claims Denied By Berkshire?
Insurance companies deny short-term disability claims and long-term disability claims for many different reasons. If your benefits were denied, you need to know why the insurance company came to that decision. Of course, their decision may be wrong or unfair. Nonetheless, you need to address the stated reason for denial directly in any appeal. Among other things, your disability claim may be denied by the Berkshire Insurance group because of:
- A missed deadline;
- A small error in the application;
- Missing medical records or other evidence;
- Disputes over the implications of medical evidence;
- The company asserting policy exclusions; and
- Bad faith settlement practices by the insurer.
What to Do If Your Disability Benefits are Denied By Berkshire
There are few things more stressful or frustrating than getting a disability denial letter from the insurance company—particularly when an injury, illness, or impairment is making it impossible for you or your family member to work. It is important to emphasize that you are not out of options. An initial denial is not the end of the road. Berkshire, Guardian Life, and other large companies do not get to make the final say on whether or not you are entitled to benefits. They are not neutral arbiters. Policyholders and beneficiaries have the right to appeal. Here are four steps to take if your disability claim was rejected by Berkshire:
- Carefully review your denial letter to find the deadline for filing an appeal;
- Look for the insurance company’s stated reasoning for denial in the letter:
- Preserve and organize all evidence that is relevant to your disability case: and
- Schedule a confidential consultation with an experienced disability denial lawyer.
You Can Rely On Florida Disability Attorney Nancy L. Cavey for Your Berkshire Claim
The disability claims process is complicated. Major companies like Berkshire do not make things any easier for people like you. With nearly four decades of experience, Florida disability lawyer Nancy L. Cavey can help you get benefits from Berkshire and other large insurance companies. When you get in touch with our St. Petersburg law office, you will have a chance to consult with a Florida disability attorney who can:
- Conduct a free, in-depth review of your Berkshire disability denial;
- Answer any and all questions you have about the appeals process;
- Investigate your case—securing the evidence and information you need;
- Advocate for you in settlement negotiations with Berkshire; and
- Prepare a strong case laser-focused on getting you results.
Nancy L. Cavey is committed to providing personalized representation to every client. Our legal team understands the challenges people face after receiving a disability denial. The last thing you need is another bill. We are proud to offer a no-fee guarantee to clients. Our Florida disability appeals firm represents policyholders on a contingency fee basis. You do not have to pay upfront fees or out-of-pocket costs. In other words, our law firm only gets paid when you get paid.
Berkshire Disability Claims: Frequently Asked Questions (FAQs)
What Conditions Are Covered By Disability Insurance With Berkshire?
The loss of earnings is a serious financial burden for employees and their families. Disability insurance is a form of income protection that helps people navigate the difficult time. With a Berkshire disability policy, benefits may be available if you or your loved one has an injury, illness, or medical impairment that prevents you from working. You should consult with the specific terms of your disability policy to see what types of conditions qualify. If you have questions about whether or not coverage is available for your injury, illness, or impairment, an experienced Florida disability attorney can help.
How Do I Apply for Disability Coverage With Berkshire?
To apply for short-term or long-term disability benefits through Berkshire, you must obtain, complete, and submit the official claim form. If you have an ERISA plan—meaning you got your disability insurance through an employer—your company’s HR department can get you a copy of the appropriate form. Alternatively, you also access the claim form directly from Berkshire. Notably, the insurer cautions that policyholders should carefully complete all sections of the form, otherwise they risk a delay or denial.
How are Berkshire Disability Payments Benefits Calculated?
The amount and duration of disability benefits from Berkshire will depend on many different factors, including the specific terms of your policy and your medical condition. Generally, Berkshire disability coverage provides wage replacement payments that are between 40 percent and 65 percent of a beneficiary’s pre-disability income. These payments are also subject to a maximum weekly benefit. Disability benefits will last until the medical condition has improved or until all payments have been exhausted.
Contact a Florida Berkshire Disability Insurance Denied Attorney for a Free Consultation
At The Law Office of Nancy L. Cavey, our Florida Berkshire disability insurance denied attorney is an aggressive, effective advocate for people like you. We are focused on getting your claim paid in full. If your disability benefits were denied by Berkshire, our legal team is ready to help. Contact us today for a free, no-obligation review of your case.
Florida Disability Insurance Lawyer, Nancy Cavey, represents disability insurance applicants in Florida including Tampa, St. Petersburg, Clearwater, New Port Richey, Orlando, Lakeland, Sarasota, Ft. Myers, Ocala, Gainesville, Tallahassee, Pensacola, Jacksonville, Daytona, West Palm Beach, Ft. Lauderdale, Boca Raton, Lake Worth, Miami, and Naples. Nancy also represents long term disability applicants in Georgia, Alabama, Texas, North Carolina, and South Carolina and throughout the United States.
Tampa Bay-based Nancy Cavey represents clients in short and long-term disability insurance cases against UNUM, UNUM Provident, Reliance Standard, Liberty, Hartford, Berkshire, AIG, American International, Gallagher Bassett, North Western Mutual, Prudential.
Nancy has written a free consumer guide to disability insurance called Robbed of Your Peace of Mind – What Long-Term Disability Insurance Companies Don’t Want You To Know! which usually sells on Amazon.com for $14.99, but is yours today at NO-COST!