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Long Term Disability Carriers Clog Up The Social Secuirty System | Florida Disability Insurance Lawyer

2.5 Million American apply for Social Security disability benefits every year and it takes, on average a whopping 288 days, to get a decision on because of the backlog. The reality is that in the Tampa/St. Petersburg area the delay is almost 2 years.What contributes to that delay? In an awesome article, the New York Times author, Mary Williams Walsch, exposed for the public what ERISA/LTD and Social Secuirty lawyers and their clients deal with every day. The Social Security Disability system is being clogged by long term diablility carriers, such as...

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What is ERISA and Why Should You Care? | Florida Disability Insurance Attorney

Your employer may have offered you a long term disability policy as part of your benefit package. Did you accept and begin paying premiums? If so, and if you are not employed by a church or a municipality, your claim is probably covered under the Empoyee Retirement Income Security Act (ERISA).The ERISA Act was passed by Congress in 1974 to address teamster union corruption. Remember Jimmy Hoffa who used teamster dues to fund his criminal enterprise?Congress wanted to pass a simple (not), comprehensive (not) and uniform (never) application of law for health,...

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New York Insurance Commissioner Says UNUM is Complying with Claims Handling Agreement | Sarasota Disability Insurance Lawyer

The New York Insurance Commissioner has just announced that, in his opinion, UNUM is complying with the 2004 Multistate Agreement that UNUM entered into after being sued by a number of State Attorney Generals for their claims handling of long term disability cases.Click on the link http://www.ins.state.ny.us/press/2008/p0805011.htmIf you have any questions about your long term disability claim against UNUM or have been wronfully denied your long term disability benefits by UNUM, contact UNUM long term disability claims lawyer Nancy Cavey by clicking the link or calling 727-894-3188....

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Cancer is Top Cause of UNUM’s Disability Claims | Orlando Disability Insurance Attorney

Unum has issued an annual review of the leading causes of the 400,000 short and long term disability claims it got in 2007.According to the review, the leading cause of short term disabilty claims is a normal pregnancy which caused 21% percent of the disability claims. That is understandable! 10% of the claims where due to non- back related injuries, 7% due to digestive or intestinal disease and 6% were due to back injuries.The leading cause of long term disability claims, based on a disability database that tracks 25 million covered individuals and...

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What is an ERISA Disability Attorney?

Most Long Term Disability policyholders have bought their Long Term Disability policy through their employer. The employer Retirement Income Security Act usually governs these types of policies unless it is church based or municipal plant based.The ERISA law, unfortunately, is a maze for the uninitiated.You can submit your initial application for benefits together with supporting documentation including medical records. Most people naively expect that the Long Term Disability carrier will immediately begin the payment of benefits because, after all, their treating physician has said they are unable to work.Unfortunately, the reality is...

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Has Hartford Targeted Your Long Term Disability Claim For Termination | Tampa Bay Disability Insurance Lawyer

Unfortunately, it seems that some long term disability carriers are targeting certain long term disability cases for denial.Hartford has a GRP division that buys long term disability claims from other carriers and then targets the claims for denial.Based on what I am seeing in my practice, Hartford is also trying to target claims on the psychiatric limitation of benefits clauses that limit the payment of long term disability benefits for psychiatric conditions to two years. Hartford will have a physician review the case and determine that, while the person has physical problems, the real problem...

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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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