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CaveyLaw.com > Insurance Carriers (Page 2)

Hartford Loses Long Term Disability Fibromyalgia Claim

fibromyalgia disability claims attorney Tampa

Disability Carriers don’t like fibromyalgia disability claims and often deny a fibromyalgia claim because of a “lack of objective medical evidence.” So What Happened In Teri Haning’s Claim For Disability Benefits Ms. Haning was treated for over twenty years for fibromyalgia and depression. Yet, Hartford rejected the opinions of her treating physicians and denied her claim. She filed a lawsuit. The Court found that Hartford’s exclusive reliance on a series of file reviewers or paid consultants showed that the benefits termination was arbitrary and capricious. The Court commented “Hartford relied on an overly crabbed view of what constitutes “objective medical evidence” and “documented...

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Prudential Disability Insurance Program Begins a Return to Work Service

One of the many disability carriers in the United States is Prudential Group Insurance which has created a Return to Work Service for employers to assist them with Short Term Disability claims. This program provides employers with assistance in developing a Return to Work Program for employees who are disabled. Disability insurance claim denied attorney Nancy Cavey applauds Prudential’s efforts to begin a Return to Work program to help those who are disabled return to work with assistance in helping employers and disabled employees to return to work in a modified capacity and transitional role. Do you have Prudential disability insurance ? Trying...

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METLIFE LONG-TERM DISABILITY CLAIMS FORMS

If you purchased long-term disability benefits and your doctor has told you that you are unable to work, you should file a long-term disability claim form. There is no uniform disability form, but carriers like MetLife will use an individual disability claim and statement, individual long-term disability assessment, attending physician forms and behavioral assessment as part of the disability claims process. If you have difficulty getting these forms from MetLife, or completing the same, you should contact MetLife denied long-term disability lawyer Nancy Cavey. Nancy is never surprised when MetLife denies a long-term disability claim because carriers like MetLife are always looking for...

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How to Respond to UNUM’s Demand for Your Social Security Disability File

If you are a long term disability policy holder with UNUM and have filed for disability benefits, you might be asked to sign a release of your Social Security file. UNUM routinely rejects claimants who get Social Security Disability benefits and it’s not uncommon to see in their denial letters language that says “after thoroughly giving you due consideration to the findings of the Social Security Administration, I, Dr. Paid to Say No, disagree with the Social Security findings. Social Security didn’t have the benefit of our UNUM peer review providers and they didn’t have the ability to review her activity...

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MetLife Caught for a Third Time

Federal law makes it illegal for insurers, like MetLife, to make undisclosed payments to brokers who played an important role in helping insurance companies win contracts to provide long term disability policies to employees of major US businesses. In April 2010, MetLife admitted to the US Attorney’s Office in San Diego that it had violated that Federal Law by paying a broker more than $5 million between 1999 and 2005. MetLife entered in to a settlement with the US Attorney’s Office in San Diego and admitted that they had been tipped in advanced about the bid, the agreement didn’t name the broker...

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Are You Making a Big Mistake By Signing a Pre Authorized Withdrawal Form that Your Long Term Disability Carrier or Allsup Requests? Yes!

If you are a long term disability policy holder, you should get your disability policy out immediately and review it because you may have an offset provision. Your Allsup policy may say that a long term disability carrier can reduce your long term disability benefits by the receipt of your Social Security Disability benefits. But, what happens when you get a retroactive Social Security benefit? Your long term disability carrier, such as CIGNA, may ask you to sign a repayment agreement that requires you to repay any over payment. Social Security overpayment attorney Nancy Cavey has no problem with that. However,...

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The Dirty Secret about UNUM’s Disability Questionnaires

UNUM disability applicants will be asked to complete a number of questionnaires including an activity of daily living form. Do you think that UNUM is interested in your well being and that of your family by asking these questions. Absolutely not, long term disability carriers, including UNUM will deny disability benefits if you are capable of “sedentary” work. The US department of Labor defines sedentary work as the “ability to exert up to 10 pounds of force occasionally, spending most of the time on walking and standing on an occasional basis.” Long term disability carriers like UNUM will use activity of daily living...

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Lincoln Financial’s Quartly Dividend Revealed

In a recent news article, Lincoln Financial Group has filed a quarterly dividend. The cash dividend of $0.05 per share on the corporation's common shares and $0.75 per share on its $3.00 Cumulative Convertible Preferred Stock Series A. For more information about Lincoln Financial quarterly dividend, read the article here:  Lincoln National Corporation's Board of Directors Declares Quarterly Dividend...

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Learn How Easily Carriers Like UNUM Have Denied Mental Illness Claims

UNUM has been the subject of a national lawsuit as a result of it’s claims handling which is ultimately settled. But unfortunately, UNUM continues to engage in questionable claims handling process. Many UNUM policies have a provision that provides that the long term disability claims can be terminated under a mental nervous limitation. Most mental nervous limitations provide that benefits will be paid for two years at which time the benefits will be stopped. While we understand that policy limitation, what happens if the UNUM policy holder has a herniated disc which causes depression or anxiety. Obviously it's the physical condition that...

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One of the Reasons a Long Term Disability Carrier Can Deny Your Benefits Based on Your Facebook Account

Long term disability carriers will do anything they can to find a reason to deny your long term disability benefits. They will often have you fill out an activity of daily living form, asking you what you can and cannot do on a daily basis. The long term disability carrier will then check social networking sites to see if there is any inconsistencies between what you put on your activity of daily living form and what your postings shows. Anything that you’ve posted is going to end up in the hands of a long term disability carrier. Don’t destroy your long term...

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