NO FEE GUARANTEE

Disability Representation For Your Disability Claim

727-894-3188

Call Us For Free Consultation Now

Search

Florida Hartford Disability Insurance Claim Denial Attorney | St. Petersburg

If you are a Hartford disabiilty insurance policy holder and you are thinking about filing a short or long term disability claim, you should contact Hartford disability benefits denied lawyer, Nancy Cavey, based in St. Petersburg, Florida. She helps Hartford disability policy holders who have been wrongfully denied their disability benefits and has written a free consumer guide about long term disabiity polices and claims. Avoid making a mistake in your claim! If you need to contact Hartford Disability to file a claim, their address is: Group Benefits The Hartford P.O. Box 2999 Hartford, CT 06104-2999 They can be reached by phone: For Group Life, Disability, and...

Continue reading

Learn the Truth About UNUM

UNUM Provident Insurance Company, was created in 1999 by the merger of UNUM corporation with Provident Companies and in 2007 the name was shortened to UNUM. It does not matter if the company name is UNUM, UNUM Provident or Provident, the result is the same. The Law Offices of Nancy L. Cavey, your Tampa and St. Petersburg UNUM Provident Disability Denial lawyers, see the same problems over and over. In a great article in consumeraffairs.com, there are over 20 pages of consumer complaints about UNUM Provident claims handling, improper denials, delayed benefits, and more. This article outlines the nightmares that UNUM Provident...

Continue reading

The Long Term Disability Adjuster Wants to Take My Statement or Come To My House! How Can I Protect Myself?

Quite frankly, if the a long-term disability or ERISA carrier calls and askes to take your statement or arrange a field visit you are in trouble! In my experience, disability claims are denied, generally, for three reasons: 1. No objective evidence of your diagnosis; 2. No objective evidence of your disability; 3. No evidence of causal relationship between your disability and your inability to engage in your own occupation or any occupation. The long-term disability or ERISA carrier wants to take your statement or arrange a field visit because they question what your doctor says about your restrictions and limitations and what you are reporting...

Continue reading

Do You Know What You Should Do Before You File Your Initial Claim?

You have made the difficult decision to file your claim for long term disability/ERISA benefits but what should you do before you actually file the claim?There are a number of things you should do:1. Get your medical records from the physician who will support your claim and see what your doctor says about your diagnosis, your complaints and your ability to work. You don't want any surprises in the medical records that are supposed to support your claim.2. Read your policy and find out what the requirements are for "last day worked", if there are any waiting periods for pre-exisitng...

Continue reading

Long Term Disability Applicants Must Apply for Social Security Disability Benefits

UNUM, the nation’s largest disability insurance company, routinely requires long-term disability applicants to apply for Social Security Disability benefits, regardless of whether the applicant is really entitled to Social Security benefits. Why do they do that? Because most long-term disability policies have a provision that allows them to reduce your long-term disability benefits by the amount of any Social Security disability benefits you may receive. If you do not apply, companies like UNUM take the position that you are getting Social Security benefits, and will automatically reduce your long-term disability benefits.UNUM processed “almost 4000 disability claims in 2007, and paid...

Continue reading

Dentists and Disability Insurance Florida Disability Issues

How much is your peace of mind worth to you and your family?If you become disabled and are unable to work, dental disability insurance is essential to help you maintain your current practice and your lifestyle. According to a recent survey, nearly half of one million people who filed for bankruptcy in the United States did so because of an illness or an injury. If you’re involved in a car accident, suffer a sports injury, or have any other painful condition, you may be unable to continue your practice and be forced to close or even sell your practice.It’s essential...

Continue reading

What Every Medical Professional Needs to Know About ERISA Disability

It is important that medical professionals understand their long-term disability policy so they can prevent the disaster of being disabled and being unable to recover the benefits they deserve.Did you know that there are three types of disability policies? Do you know which kind you have?The first is an individual disability policy, which you may have purchased directly from a carrier and which provides you long-term disability benefits in the event of sickness or injury.Do you know that there are two types of individual policies? The first is a general policy that insures you against being disabled and being able...

Continue reading

Cobra Health Coverage and Long Term Disability Claims

At The Law Offices of Nancy L. Cavey it's not uncommon for long-term disability applicants to come to our office with a letter from their employer about continuing their healthcare coverage through COBRA.Federal law requires employers with 20 or more employees to provide COBRA healthcare continuation coverage, and there are specific time limits for choosing this coverage.Unfortunately, many long-term disability applicants are also applying for Social Security Disability benefits and are in need of medical treatment. They have not become Medicare eligible and are facing a gap in their health insurance coverage.While there is no one-size-fits-all answer, there are considerations that...

Continue reading

What Impact Does ERISA have on My Long Term Disability Claim?

ERISA stands for “Employer Retirement Income Security Act.” It was passed in 1974 for the purpose of protecting employee benefits for group plan participants. Unfortunately, disability insurance policies are subject to the ERISA regulations, which long-term disability carriers refer to as “Everything Ridiculous in the World Since Adam.”ERISA, which is a federal statute, preempts state law. That means that there are no state law causes of action, including bad-faith claims handling.I am sure that your HR manager thought that having a group LTD policy would be a great benefit to the employees and is part of a benefits package that...

Continue reading

What Every Medical Professional Needs to Know about Disability Insurance

It is important that medical professionals understand their long-term disability policy so they can prevent the disaster of being disabled and being unable to recover the benefits they deserve.Did you know that there are three types of disability policies? Do you know which kind you have?The first is an individual disability policy, which you may have purchased directly from a carrier and which provides you long-term disability benefits in the event of sickness or injury.Do you know that there are two types of individual policies? The first is a general policy that insures you against being disabled and being able...

Continue reading