01 November

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Representing Monarch Life Insurance Claims and Policyholders

Monarch Life Insurance Company was once owned Monarch and Capital Corporation but has been in rehabilitation since June 1994. The company stopped providing new disability income business in 1993. Monarch Life Insurance Company is still in receipt of ownership under supervision by the Massachusetts Division of Insurance who is ensuring that the company regain its financial footing.Monarch Disability Insurance Company financial status worries many Monarch disability policyholders. It is no surprise that Nancy Cavey, leading provider of Long Term Disability legal services in the United States, is contacted by Monarch disability insurance policyholders. If you have questions regarding Monarch Disability...

01 November

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Representing New York Life Disability Insurance Policy Holders

Posted by Nancy Cavey

in New York Life Insurance Company

New York Life Insurance Company headquartered in New York is a mutually owned insurance company that began business in 1845. It offers Long Term Disability insurance and specialized group policies through organizations like AARP. New York Life’s operating revenues in 2008 were $14 billion which was the third year in a row of strong double digit earnings growth for the company. That growth can come at the expense of policyholders. Nancy Cavey represents New York Life disability policies holders in evaluating their disability policy and assisting them in filing a claim with New York Life when they become disabled. If your New...

01 November

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Representing Standard Disability Insurance Policy Holders

Posted by Nancy Cavey

in Standard Insurance Company

The Standard provides disability life, dental and vision insurance to 7.6 million employees nation wide from over 28,500 groups. Standard Disability Insurance Company is based in Portland, Oregon and provides both individual and group disability protection on a short and long term basis. Nancy Cavey, Standard disability claims lawyer represents Standard Disability income policyholders whose claims for short term and long-term disability benefits have been delayed, disputed, denied and even terminated. You can reach Nancy Cavey, representing Standard Disability insurance policyholders by calling 727-894-3188....

01 November

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Paul Revere and UNUM Provident Claim’s Denial Tactics | Explained by UNUM Long Term Disability Denied Attorney Nancy Cavey

Posted by Nancy Cavey

in UNUM Insurance Company

UNUM and Paul Revere have been found to have engaged in “conscious course of conduct firmly grounded established company policies that disregard the rights of insured’s,” Hangarter v. Provident Life An Accident Insurance Company, 373f.3d998, 1014 (9th Circuit 2004). A jury returned a punitive verdict at over $10 million against UNUM Provident and Paul Revere finding that Provident had used round table reviews involving claim’s personnel, medical staff, vocational staff, legal counsel and management personnel. These round table reviews were focused on high indemnity claims, all notes about who participated in the meeting,...

01 November

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Paul Revere and Provident Found Guilty of Mishandling Subjective Claims for Chronic Fatigue and Fibromyalgia

Posted by Nancy Cavey

in UNUM Insurance Company

If you are a Paul Revere, UNUM Provident policyholder who suffers from Fibromyalgia or Chronic Fatigue and whose claim has been denied, pay attention! In a case called Hangarter v. Provident Life: An Accident Insurance Company, 373f.3d998, 1014 (9th Circuit 2004) found that in the early 1990’s UNUM Provident realized that policies made on own occupation insurance policies that they had sold was putting UNUM Provident at financial risk. The court in Hangarter found that as a result, that UNUM changed its claims handling practices and philosophy from a company that once willingly paid...

01 November

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An Interesting Article in Chattanooga Times Free Press on UNUM

Posted by Nancy Cavey

in UNUM Insurance Company

An interesting article in Chattanooga Times Free Press, UNUM Chief Executive Office Tom Watjen, sat down with a Chattanooga Times Free Press reporter to discuss “UNUM’s success despite the economic downturn.” We know where UNUM’s successes come from. Did you know that UNUM’s operating income has jumped more than 42% since 2006 and their earnings per share has increased 39% during the same time? Unfortunately, the Chattanooga Times Free Press reported Brain Lezendy didn't ask Mr. Watjen the right questions. Those questions that should have been asked: 1. The number of claims that they have received during this time period? 2. How...

01 November

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Cancer is the Leading Cause of UNUM Disability Claims

Posted by Nancy Cavey

in UNUM Insurance Company

Many Long Term Disability carriers such as UNUM, track very closely the leading causes of payment in Long Term Disability benefits. In a May 3, 2010 press release, UNUM advised for the “9th consecutive year, cancer is the leading cause of Long Term Disability claims for UNUM. They constituted over 11.8% of the Long Term Disability claims in 2009.” UNUM has prepared a booklet called “Moving Down: Cancer Survivors at Work.” UNUM is aggressive about attempting to return those who have been diagnosed with cancer to work and their statistics show that 50-70% of...

28 October

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Representing SunLife Insurance Company Policy Holders and Claims Denied Cases

Posted by Nancy Cavey

in Sun Life Insurance Company

SunLife Insurance Company of Canada is a member of the SunLife Financial group of companies that began operating in the United States in 1985. It has over 300 employees at offices in Rosalie Hills and Boston, Massachusetts. SunLife disability has sales offices throughout the United States and provides financial solutions to businesses as well as individuals including disability insurance. Sun Life Financial is a diversified international financial services organization focused on providing financial solutions to businesses as well as individuals throughout their lifetimes. Sun Life also offers disability insurance. As a nationwide disability insurance attorney, Nancy Cavey, often receives calls or inquiries...

28 October

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Florida UNUM Disability Claims | UNUM Disability Denial Facts

Posted by Nancy Cavey

in UNUM Insurance Company

UNUM, headquartered in Chattanooga, Tennessee, is the United State's largest provider of employer sponspred group disability benefits "providing benefits for 42% of today's Fortune 500" businesses. Unfortunately, it is our experience as Florida UNUM Disability Denial lawyers that UNUM does not deliver what it promises to those businesses who purchase group disability insurance for its employees. UNUM's website would have you believe that the "foucs is on recovery." Long term disabilty benefits from UNUM "can replace part of your income so you can focus on recovery instead of worrying about your ability to pay the bill." Unfortunately, as a Florida disability...

28 October

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Hartford Disability Insurance Lawyer | Consumer Complaints

Posted by Nancy Cavey

in Hartford Insurance Company

What do consurmers have to say about Hartford Disability claims handling and claims denials? Read about Hartford disability policyholders who are in the Hartford disability claims process and are having problems like harrassment of their treating doctor, the failure to return calls, suspension of benefits without good reason, and the reduction of Hartford disability benefits by the receipt of a pension or Social Security disability. You can also read about Hartford disability claims denials! Disability lawer Nancy Cavey, who helps Hartford short term and long term disability policy holders whose claims are delayed or denied, has written the book you need to...

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