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Representing New York Life Disability Insurance Policy Holders

New York Life Insurance Company headquartered in New York is a mutually owned insurance company that began business in 1845. It offers Long Term Disability insurance and specialized group policies through organizations like AARP.New York Life’s operating revenues in 2008 were $14 billion which was the third year in a row of strong double digit earnings growth for the company. That growth can come at the expense of policyholders. Nancy Cavey represents New York Life disability policies holders in evaluating their disability policy and assisting them in filing a claim with New York Life when they become disabled. If your...

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Representing Prudential Life Insurance Disability Insurance Policy Holders

Prudential Financial Company is a holding company that offers a variety of financial and insurance products to both individuals and businesses. This includes life insurance, short term and long-term group disability insurance coverage, accidental death and dismemberment policy and other types of insurance coverage. Prudential Insurance Company was been the subject of insurance regulators investigations in 1996, which resulted in a settlement of the claim that they had been “churning” which a process in which agents generate commissions by inducing policy holders to trade up to more expensive policies. Attorney Nancy Cavey practices disability insurance law throughout the United States,...

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Prudential Insurance Company Ordered Response to Long Term Disability Request for Claims Guidelines

Long Term Disability carriers hide behind many defenses one of which is that you are not entitled to learn the basis of the denial or analyze the nature of the information the Long Term Disability carrier considered in making the decision.In a recent case of Grams v. American Medical Industries under Prudential Insurance Company, my good friend and colleague, Claudeth Henry, fought the Prudential Insurance Company on these discovery issues and won!The court has ruled that Ms. Grams is entitled to analyze how Prudential reached this decision to deny benefits and analyzed...

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Representing Standard Disability Insurance Policy Holders

The Standard provides disability life, dental and vision insurance to 7.6 million employees nation wide from over 28,500 groups.Standard Disability Insurance Company is based in Portland, Oregon and provides both individual and group disability protection on a short and long term basis.Nancy Cavey, Standard Disability insurance lawyer represents Standard Disability income policyholders whose claims for short term and long-term disability benefits have been delayed, disputed, denied and even terminated. You can reach Nancy Cavey, representing Standard Disability insurance policyholders by calling 727-894-3188....

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Paul Revere and UNUM Provident Claim’s Denial Tactics | Explained by UNUM Long Term Disability Denied Attorney Nancy Cavey

UNUM and Paul Revere have been found to have engaged in “conscious course of conduct firmly grounded established company policies that disregard the rights of insured’s,” Hangarter v. Provident Life An Accident Insurance Company, 373f.3d998, 1014 (9th Circuit 2004).A jury returned a punitive verdict at over $10 million against UNUM Provident and Paul Revere finding that Provident had used round table reviews involving claim’s personnel, medical staff, vocational staff, legal counsel and management personnel. These round table reviews were focused on high indemnity claims, all notes about who participated in the meeting,...

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