Knowledgeable Boston Mutual Disability Claims Attorneys
At The Law Office of Nancy L. Cavey, we represent people and families who are trying to get their disability benefits from Boston Mutual. With more than 37 years of experience going up against large insurance companies, Nancy L. Cavey has successfully handled more than 5,000 disability cases. If your disability claim was denied by Boston Mutual, we are here to help you navigate the appeals process. For a no-cost, no-obligation consultation with a top-rated Florida disability lawyer, please call us today.
What to Know About Boston Mutual Disability Insurance Claims
Boston Mutual Life Insurance Company (Boston Mutual) is a large insurance carrier with headquarters in Canton, Massachusetts. The company offers a number of different employer-backed insurance policies to companies/organizations throughout the United States, including short-term disability coverage, long-term disability coverage, and life and accidental death & dismemberment coverage.
All large insurance companies, including Boston Mutual, have significant financial means at their disposal. They are well-staffed, well-resourced, and driven to protect their own interests. Unfortunately, this means that Boston Mutual and other insurers often unfairly delay or deny disability benefits. You cannot and should not rely on Boston Mutual to look out for what is best for you or your family.
Why are Disability Claims Denied?
Was your short-term disability claim or long-term disability claim turned down by Boston Mutual? If so, you may feel frustrated, confused, and not sure what to do next. You have the right to challenge a Boston Mutual disability denial—but you need to take action before the deadline for appeal runs out. The first step is to review the denial letter to determine exactly why the claim was denied and what you need to do to appeal. Some common reasons why Boston Mutual denies disability benefits include:
- Skipped deadlines;
- Mistakes in the original Boston Mutual disability application;
- Missing documents, records, or information;
- Disputes about medical evidence;
- Disputes about policy exclusions; and
- Bad faith by Boston Mutual.
Frequently Asked Questions (FAQs)
How Do I Apply for Disability Benefits?
To file a disability claim, you must use the proper forms. If you have an ERISA disability policy with Boston Mutual, you should be able to get access to all claims forms through your employer. Otherwise, you should reach out to Boston Mutual directly for more information. Notably, you must include all relevant evidence and information along with your initial claim. Even a small error could lead to your benefits being delayed or denied. If you have questions, our Florida Boston Mutual disability attorney is here to get you answers.
How Does Boston Mutual Calculate Disability Benefits?
Your disability benefits will vary based on the specific terms of your insurance policy. Generally speaking, Boston Mutual calculates disability benefits based on your pre-disability earnings. Often, disability benefits will be paid at a rate of 40 percent, 50, percent, or 60 percent on your after-tax income. If you believe that your disability benefits were miscalculated by Boston Mutual, our law firm can help.
How Long Do Disability Benefits Last?
Disability benefits are paid out until the applicant recovers or the policy limit has been reached—whatever comes first. Boston Mutual typically limits short-term disability benefits at three to six months. Long-term disability may be paid out for many years, potentially even until retirement. Review the specific terms of your coverage to determine the maximum duration of benefits.
Can I Afford to Hire A Disability Claims Attorney?
Yes. You can always afford to hire our top disability denial lawyers to help you with your claim and/or appeal. Our clients are protected by our no fee promise. We only get paid when our clients get their disability benefits from Boston Mutual. You will not be charged upfront/out-of-pocket expenses.
Get Help From Our Boston Mutual Disability Claims Lawyer
At The Law Office of Nancy L. Cavey, our Florida disability lawyer is dedicated to providing the highest level of representation to people who need help the most. Our mission is to get your disability benefits. If your short-term or long-term disability claim was denied by Boston Mutual, we are ready to help. Contact our firm now for a free, no-obligation review of your case. From our primary law office in St. Petersburg, we represent clients throughout Florida.
