NO FEE GUARANTEE

Disability Representation For Your Disability Claim

727-894-3188

Call Us For Free Consultation Now

Search

Fibromyalgia and Your Long Term Disability Claim Part 2

Vocational Evidence of Inability to WorkThere must be a causal relationship between your diagnosis and disability and your inability to work. This is another area where the Long Term Disability carrier will deny fibromyalgia claims. It’s not uncommon for the Long Term Disability carrier to acknowledge that you suffer from chronic fatigue or Fibromyalgia and that you are disabled yet you are still capable of working in some capacity.It’s important to develop the medical evidence that fully explains your physical restrictions and limitations, side effects of medication and difficulty with concentration, pace...

Continue reading

Representing CIGNA Disability Insurance Policyholders

CIGNA Corporation is the result of a 1982 merger between The Insurance Company of North America (INA) and Connecticut General. After the merger, the company refocused its product lines to position itself as a unified provider of managed healthcare by selling its individual insurance products division and withdrawing from the personal property/casualty business to focus on small and midsized commercial clients in the United States. In 1990, the company acquired EQUICOR (now AXA Equitable Life Insurance).Unfortunately, Long Term Disability carriers target certain disability claims or claimants for disability termination. It is not uncommon for disability insurance companies to actively target...

Continue reading

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,”...

Continue reading

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

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...

Continue reading

Representing ING Disability Claims and Policy Holders in Florida

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...

Continue reading

Representing Jefferson Pilot Disability Insurance Policy Holders

Jefferson Pilot operates not only in all our 50 states but in the Virgin Islands. Individual disability insurance policies are issued through Jefferson Pilot’s subsidiary companies. Disability Group Insurance policies are sold to employers through Jefferson Pilot benefit partners.To its credit, Jefferson Pilot disability insurance does attempt to tailor its disability products to the specialized needs of each of its clients. However, Jefferson Standard and Pilot Life don’t always keep their promises. The experienced disability team at Cavey and Barrett often receives calls and inquiries from Jefferson Pilot disability policyholders. If you are a Jefferson Pilot disability policy holder who...

Continue reading

Lincoln Financial Insurance Company Insurance Denied Policy Holders Disability Denied Attorney

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...

Continue reading