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Long Term Disability Carriers Misrepresent Policies | ERISA Attorney in Tampa

Sometimes Long Term Disability carriers will normally misrepresent to the policyholders that their insurance policy is subject to the ERISA law. Why do they do that? Because under ERISA there are no remedies under state law, including punitive damages for showing bad faith claims handling. Under state law there is no right to a jury trial.Long Term Disability carriers want to hoodwink you into thinking that your Long Term Disability policy is an ERISA policy to limit your rights.Some Long Term Disability carriers own manuals will admit that such a misrepresentation is misleading. Long Term Disability carriers are obligated to...

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How Your Doctor Can Destroy Your Long Term Disability Claim | LTD Attorney

What: Doctors and Your Long Term Disability ClaimUnfortunately, some treating physicians are uncooperative and don’t want to get involved in Long Term Disability claims. Because they choose not to get involved, Long Term Disability carriers, like UNUM, will interpret the doctor’s failure to get involved to mean that you have no restrictions and limitation and are not entitled to Long Term Disability benefits. Even if your doctor states that he only treats you and hasn’t evaluated your restrictions and limitations, the carrier will misconstrue that comment.If your treating doctor is unwilling to help you with your Long Term Disability claim...

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President Obama | H1N1 Virus and Long Term Disability Claims

President Obama has declared the swine flu a national emergency. Federal agencies have recommended that businesses be flexible and let sick workers with the swine flu stay home. Unfortunately, there are some individuals who have become severely ill with swine flu and have been hospitalized and even died.If you or a loved one is suffering from swine flu and have a short or long term disability policy, be sure that you apply for your benefits immediately. If your short term disability benefits are denied, contact swine flu denied claim disability attorney Nancy Cavey who can assist you with your claim....

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Using Non Attorney Representative Groups | TV Ads Like Alsup

What: Using Non Attorney Representative GroupsI’m sure that you’ve seen ads on the TV for companies like Alsup, or Binder & Binder that provide representation on Social Security Disability cases.Did you know that a majority of their business has been commercially based? What they means is that they’ve entered into contracts with large insurance companies and employers to provide Social Security Disability claims services to their disabled employees. You should particularly if you are a Long Term Disability applicant that people like Jim Alsup, the founder for Alsup & Alsup, have been quote as saying “every dollar we pay in...

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Leading Cause of Long Term Disability is Driving | LTD Attorney Florida

What: Leading Cause of Long Term Disability Claims Who: United States Source: Seattle PostIn a recent news article in the Seattle Post, it states that the leading cause of long term disability in the United States is fatal car accidents, or as the article titled it "Driving". it also states that driving is a risky task that people need to be more aware of.Car accidents lead to all kinds of serious injuries and its not a surprise that this is the leading cause of long term disability claims. At the AAA Foundation Web site, chief executive officer Peter Kissinger repeatedly calls the...

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Settlement Agreements and Your Long Term Disability Claim | Tampa Long Term Disability Lawyer

It is not uncommon as part of the settlement negotiations of a Long Term Disability claim that the disability carrier ask that you sign a release. Often, they will ask for this release at the end of the settlement negotiations.At Cavey and Barrett, Nancy Cavey, Tampa based Long Term Disability lawyer, insists that the Long Term Disability carrier provide us with a copy any proposed release before we start talking about settlement. Many releases are, quite frankly, overbroad and ask you to release all sorts of claims including asking you to never to apply for disability or life insurance through...

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Insurance company employee Convicted in Disability Scheme | Florida Disability Lawyer

What: Disability Claim Scheme Where: New Jersey Who: LaShondrea TuckerAccording to an IFA news brief, LaShondrea Tucker, who was employed as a disability claims manager for Prudential Insurance Co., admitted that between Sept. 22, 2003, and March 23, 2004, she created fraudulent disability claims using the names and other identifiers of actual people enrolled in a teachers’ disability plan. Tucker admitted that she diverted 21 checks and two electronic fund transfers, totaling over $94,100.http://ifawebnews.com/2009/12/21/insurance-company-employee-sentenced-for-disability-insurance-scheme/...

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Man Who Became Disabled by Unprotected Sex Denied Disability Award | Florida Disablity Insurance Lawyer

What: Disability Claim Denied Where: BC Canada Who: Randolph GibbensA man in Canada who had unprotected sex and contracted a disablity in which left him paralyzed has lost his case in trying to bring his disability claim. Randolph Gibbens had contracted herpes in unprotected sex and became a paraplegic after the disease had ran its course and lost a $200,000 Supreme Court Case. According to the ruling, "The case, which pitted the Co-operators Life Insurance Company against the former high-pressure water blaster, centred on the meaning of the word "accident" in deciding insurance claims."...

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Long Term Disability Features for Medical Professionals and Attorneys | Know Your Benefits

As a highly paid specialized medical or legal professional you need to adequately protect your income in the case of disability.There are several features that you should consider in purchasing a Long Term Disability Policy. Any policy should have the following features:1. Recognizing the specialty or sub speciality that you practice2. Protect your disability benefit if you experience a reduction in earnings over time due to progressive illnesses3. Protect you if you've contracted an infectious or contangious disease which is not disabling but results in a loss of income4. Provides continued benefits for a number of months after a return...

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Mental Nervous Limitations and How Long Term Disability Carriers Will Use This Clause to Deny Your Benefits | Tampa Bay Disability Attorneys

It is not uncommon for Long Term Disability policies to limit coverage for mental conditions. Unfortunately, this is constitutional. However, many Long Term Disability carriers try to plug your Long Term Disability claim into a mental nervous limitation so that they only have to pay you two years of benefits.These cases are also language dependent. For example, a plan may provide that a mental illness as a "mental, emotional, nervous condition of any kind." Boy that's rather expansive. If you suffer from fibromyalgia you most likely have depression. In the case of Bosetti vs. United States Life Insurance Company, 2009cal.app.LEXIS1166(July...

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