Unum Disability Insurance Company, one of the carriers in the United States, has reported that cancer is the leading cause of its disability claims. In fact, cancer counts for over 16% of long term disability claims. Unfortunately, Unum like many disability insurance companies often ignore the side effects of cancer treatment when denying benefits. What […]
Cancer Is The Leading Cause Of Long Term Disability Claims Read More »
When Does The Meter Run On Your ERISA Disability Claim? In Heimeshoff v. Hartford Life and Accident Insurance Company, U.S.#12-729(December 16, 2013) the United State Supreme Court found that “absent the controlling statute to the contrary a participant and a plan may agree by contract for particular limitations., even when it starts to run before
The Ugly Truth About ERISA Plans And Contractual Limitations Period Read More »
You may have purchased your disability policy through your employer and , if so, you need to understand the basics of an ERISA Plan. ERISA stands for the Employer Retirement Income Act. The ERISA statute was enacted in 1974 as a result of the Jimmy Hoffa pension scandals. ERISA was designed to provide and protect
What Every Disability Policy Holder Needs To Know About an ERISA Disability Plan Read More »
Did you know that, for the most part, benefits that you receive from work are governed by a Federal Statute known as the Employee Retirement Income Security Act of 1974 of ERISA. Employee benefits, which could include life, health, retirement and disability benefits are governed by ERISA. Unfortunately, many garden variety lawyers don’t understand the
You Don’t Want to Hire an Inexperienced Attorney to Represent you in Your ERISA Claim Read More »
Many disability policies will have limits on how long benefits can be paid for mental illness and will require that a policyholder gets active treatment. Unfortunately, it’s not uncommon for policy holders who have mental illness to have difficulty getting medical treatment. In a recent Social Security Disability case, Punzio v. Astrue, 630 F.3d 704 (7th Cir.
Having an expert disability attorney represent you while you are getting your monthly disability benefits can be the key to keeping your benefits. You need representation so you aren’t caught short by the games disability carrier’s play with your disability benefits and your financial security. It is all about control! You Can Be Denied Anytime
Why You Need Legal Representation While You Are Getting Your Monthly Disability Benefits Read More »
Why You Should Have Attorney Nancy Cavey Represent You In Your Insurance Disability Claim If You Are A Doctor, Dentist, Pharmacist, Chiropractor, Lawyers, Accountant, Business Owners, Or Executive You purchased a disability policy and maybe even a business overhead policy to protect your income and lifestyle in the unlikely event that you became partially or
The truth about disability insurance companies is that once you are being paid disability benefits the battle doesn’t stop. Why? The insurance company has a contractual right to reevaluate your entitlement to benefits every month! They can deny your continued payment of benefits at any time and for any reason. Many disability policies require that
What You Must Do By The Terms Of Your Policy Read More »
How to Handle the Carrier’s Stalling Tactics and Delay In Making A Decision On Your Disability Claim Or Paying Your Continuing Disability Benefits It isn’t uncommon for an ERISA or private disability carrier to stall and delay in making a decision on your claim or to pay your continuing disability benefits. After all the carrier
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