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Hartford Reinstates Taco Chip Man | Good Morning America Report | Disability Claim

In a report by Good Morning America, Jack "Rocky" Whitten -- who suffers pain and memory loss as a result of a broken neck -- says his disability insurance payments from The Hartford were terminated in part because the company caught him on video eating a taco chip. This was a story worth getting people's attention in the world of disability. Hartford was quick to respond when Good Morning America got involved....

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Your Florida Supplemental Wage Loss Benefits Can’t be Reduced by Your Post Injury Pension | Bradenton Pension Disability Claims Attorney

If an injured Florida worker has a permanent impairment rating of at least 20% after having reached maximum medical improvement, the worker might be entitled to Florida worker's compensation supplemental wage loss benefits. That worker may also be entitled to Florida city and state pension disability benefits and workers' compensation benefits at the same time. How do these benefits interact and can your workers compensation benefits be reduced?Florida permanent impairment or supplemental wage loss benefits are very valuable money benefits and, depending on your average weekly wage and compensation rate, could be in excess of $50,000.The City of Miami Beach...

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Chapter 440 First Responder Workers Compensation Benefits Rights

Chapter 440 has a section that deals with the authorization of medical care found in section 440.13.At various times Chapter 440 has required an employer/carrier to offer First Responders a list of least three physicians from which to select when there has been a request for a one time change of physician. This statute is honored by a number of changes and, currently, the statute does not require that the employer offer a choice of providers.Once the Employer/Carrier offers an appointment with a physician you have the obligation to accept care and treatment from an authorized physician before you can...

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Hartford Insurance Company Rehabilitation Counselors Denying Long Term Disability Claims

Did you know that it is not uncommon for Long Term Disability carriers, such as Hartford to reward their outside rehabilitation vendors for helping deny Long Term Disability claims?Hartford has a rehabilitation supplier performance reviews on their Long Term Disability cases and part of that review actually requires the rehabilitation counselor to tell Hartford how much money they have saved Hartford by rendering an opinion that a person can return to work.I wouldn’t be surprised that there is some form of reward system as part of the performance reviews that rewards vocational rehabilitation counselors and others for assisting in claims...

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The Truth about the US Economy and its Impact on Long Term Disability Claims

In Hartford's 2010 Benefit Landscape Study, Long Gendreau, Executive Vice President of the Hartford Group Benefits, explained that the number of employees in the United States with "short term disability insurance rose from 41% in 2009 to 55% in 2010" the percentage of American workers with "long term disability insurance increased from 36% in 2009 to 47% in 2010".Income production is key to protecting your financial well-being.Nancy Cavey, Florida individual policy attorney, recommends that if you are considering the purchase of a long term disability policy, that you purchase your own personal individual disability policy as opposed to a grouped...

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Your Medical Story is the Key to Getting Your Long Term Disability Benefits

If your doctor has told you that you are unable to work and encourages you to apply for long term disability benefits, that is not going to be enough to assure you that the long term disability carrier will agree with your physician and send you a check for long term disability benefits.You must prove it!The starting point is to obtain a copy for your long term disability policy so that you understand the definition of disability that is applicable to you. To build a strong case that you are entitled to long term disability benefits, you must understand the...

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The Truth About Long Term Disability Carriers Attending Physician Forms

All long term disability carriers will have your physician complete what called an attending physician form. Unfortunately, there are no uniform forms. AETNA, for example, asked doctors to comment on activities of daily living driving, lifting, pulling and pushing.In Helms vs. Gerald Dynamics Corp, 2007 US.app.Lexus 4534 (11th Circuit February 7th, 2007) in a published decision, the 11th circuit held that AETNA "unreasonably construed what qualified as restrictions and limitations", ignoring the opinions of the treating physician which established the extensive restrictions and limitations and which were greater than AETNA's own attending physician form.Initially, AETNA concluded that the claimant had...

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Airplane Pilot Loses License Because of Restrictions and is Still Denied Long Term Disability

Long term disability policies are supposed to replace your income if you are unable to work. Many of these long term disability policies have a clause that says that the loss of license doesn't mean that you are entitled to benefits. But what about the case of a pilot? If you lose your license because of medication side effects then the loss of your license is irrelevant. Airline pilot long term disability claim denied attorney Nancy Cavey argues that the loss of a license is a consequence of your illness and is further proof that you can't work. Some long...

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The Dirty Little Secret that Hartford Doesn’t Want you to Know about Juan Mendez, Dr. Mark Burns and Dr. Michael Ratter

Long term disability carriers, like Hartford Life Insurance Company routinely see claims like fibromyalgia syndrome which cause persistent and debilitating pain. For example, in Klehforf vs. Hartford Life and Accident insurance Company, 201.WL.260066018 (N.D. Ind., June 22, 2010), Mr. Klehforf was employed as Vice President and Senior Fiduciary Officer at JP Morgan Chase from 1976 until September 2007. Unfortunately Mr. Klehforf, had suffered from fibromyalgia and was unable to continue to work at Chase.Hartford review the medical evidence and concluded, mysteriously, that the “medical evidence didn’t support” the claim. This, of course is a common Hartford defense and one that...

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The Truth about ETNA’s Claim Handling of Spinal Injuries | St. Petersburg Disability Attorney

Long term disability carriers, like ETNA Life Insurance Company are in the business of collecting premium and notInsurance Carriers Like Etna Claim Handling paying benefits. In the case of Capone vs. ETNA Life Insurance Company, 22 Florida Law Weekly Fed C368 cited as 592f3d1189 (11th Circuit 2010), Mr. Capone sustained an injury to his spine when he dove head first into the ocean after witnessing others doing so. ETNA denied the claim on the basis that “alcohol had necessarily caused or contributed to the employees injury”.In the great decision, the 11th Circuit took ETNA to task for the policy language...

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