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Protect Yourself from Surveillance By the Long Term Disability Carrier | Hillsborough and Pinellas County Disability Insurance Lawyer

Is there a strange van down the street? Are you being followed? Are you getting calls and when you answer, the person on the other line hangs up? If is is happening to you, the long term disability carrier just might have surveillance on you to see if you are doing something you said in your activity of daily living forms you could not do! Or they just might be checking up on you. How can you protect yourself? Simple! Call the police and report this activity everytime it happens. If you are driving in your car...

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Shocking UNUM Reversal Rate of 41.7% | Tampa Disability Insurance Attorney

UNUM entered into a Multi-State Agreement that required UNUM to reassess claims that wer denied using the wrong claims standards. The Claim Reassessment Process was completed in December, 2007, with results as follows: * 41.7% of the total claims reassessed (involving 9,672 claims) were reversed in whole or in part, resulting in a cumulative total of approximately $676.2 million of additional benefits either paid immediately or reserved for future payments; * 45.1% of LTD claims reassessed (involving 8,911 claimants) were reversed in whole or in part, resulting in a cumulative total of approximately $558.6 million of additional benefits either paid immediately or reserved for future payments; * 22.1% of IDI claims reassessed...

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UNUM’s 2008 Profits Come at the Expense of Long-Term Disability Policy Holder’s Piece of Mind | Clearwater ERISA Disability Attorney

UNUM's 2008 Third Quarter Profits  are in! UNUM reported a "net income of $108.00 million in the third quarter of 2008 compared to a net income of $187.00  million in the third quarter of 2007". Mr. Thomas R. Watjen, president and CEO, commented in an article found at http://www.ad-hoc-news.de/UNUM-Group-Reports-Third-Quarter that he was "pleased with our operating results and the quality of our balance sheet . . ." UNUM's profits coming at the expense of UNUM LTD Policy Holder's peace of mind. UNUM is robbing their long term disability policy holders by denying  valid long term disability...

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Can the Long Term Disability Carrier Force You to Use A Social Security Disability Claims Service They Recommend Like Allsup? | Clearwater ERISA Disability Attorney

Many long-term disability insurance policies require you to apply for Social Security disability benefits, and will offer the services of companies like Allsup, Occudanta, Advantage 2000, Disability Services, Inc. to help you with your Social Disability Claim. Should you use these companies? As an experienced long-term disability/ERISA and Social Security disability Attorney. My answer is unequivocally "No"! In fact, UNUM was convicted on making LTD applicants apply for Social Security disability even if the applicant was not entitled to or qualified or eligible for Social Security disability. Of course, some may think my answer is based on...

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Do My Doctor’s Records Make A Big Difference?

Insurance companies have a good ol’ boy network of doctors that cherry pick your doctor's medical records in favor of the disability insurance company. This good old boy network reports only what the disability insurance company wants to hear to the disability carrier such as Liberty Mutual, Reliance, MetLife, Hartford or CIGNA deny your Long Term Disability claim. Your doctor's records do make a big difference in the insurance company review process. Tampa Bay disability attorney Nancy Cavey has an educational video explaining to you why your doctor's records make a big difference. www.youtube.com/watch?v=RBXKN9jWCGc...

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What does it cost to get a Social Security Disability attorney in Tampa?

Did you know that the Social Security Administration determines the maximum fee that can be charged for a Social Security Disability case? Currently, it's 25% of the retroactive dollar amount of the Social Security benefits awarded not to exceed the maximum amount. If you don't receive your Social Security benefits, there is no fee! There may of course, be charges for items in addition to an attorney's fee such as securing your medical records or having your doctor complete what's called a residual functional capacity forms. For more information about the Social Security Disability claims process, order...

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Are You Afraid You Can’t Afford a Social Security Disability Lawyer?

Don't be afraid! Social Security Disability lawyers fee is subject to Social Security rules and regulations. In fact, the rules say that an attorney can't take a fee upfront and, for the most part, Social Security Disability lawyers aren't allowed to bill by the hour or collect a payment for representing a client! So does a Social Security Disability attorney get paid? The Social Security Disability attorney's fee rules say that an attorney can get 25% of the back payment that you may be entitled to. Remember, while the Social Security Administration sets...

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The Black Hole of Social Security Disability Denials and Protecting Your Claim for Social Security Disability Benefits

The Social Security Disability claims process is no doubt very complicated. After your initial application is filed, you probably have to wait sixty to ninety days before you get a decision. If your case is denied, you have three options. They are: Give up. File a brand new Social Security Disability claim. Appeal the denial with the sixty day time frame. What should you do?...

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