28 October

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Disability Insurance Claim Denied by Hartford | Florida Hartford Disability Claim Denied Attorney

Have you looked at Hartford's website? Its advertising tag line is "Group Benefit: Experience without Equal. Benefits Without Burden" is anything but for its disability denied policy holders. It is more like "experience claim denial and face financial burdens!" Hartford acknowledge's that "1/3 of people between the ages of 35 and 65 will suffer a serious disability" and it is "#1 in new Group Disability sales" in 2005. But what it does not talk about is its claims handling process and agressive use of field statements by its investigators and the use of surveillance companies. The Law Offices of Nancy L. Cavey...

28 October

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Tampa Bay UNUM Provident Denial Attorneys | UNUM Locations

Posted by Nancy Cavey

in UNUM Insurance Company

If you have any questions about your UNUM Provident disability policy or have a question about filing a disability claim, I suggest you order a free copy of my book "Robbed Of Your Peace Of Mind." This book will help answer your questions about your UNUM disability policy and explain the claims process. You can also contact UNUM at their Corporate offices. Corporate offices 1 Fountain Sq Chattanooga, TN 37402 423-294-1011 2211 Congress Street Portland, ME 04122 207-575-2211 18 Chestnut Street Worcester, MA 01608 774-437-4441 655 N. Central Avenue Suite 900 Glendale, CA 91203 800-424-2008 1200 Colonial Life Blvd. Columbia, SC 29230 803-798-7000 or call UNUM Monday - Friday, 8:00 a.m. - 8:00 p.m. EST at 1-866-679-3054. Remember your call ...

28 October

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Florida Hartford Disability Insurance Claim Denial Attorney | Tampa Bay

Posted by Nancy Cavey

in Hartford Insurance Company

Are you a Hartford disability insurance policy holder whose claim for disability benefits has been denied? If so, Hartford Disability benefits denied lawyer Nancy Cavey says, "You have been robbed of your peace of mind!" Have you looked at the Hartford Group Benefits web page "Protecting Your Income with Disability Insurance?" There are some great facts about long term- disability: "1. 1/3 of people between ages 35 and 65 will suffer a serious disability. 2. About 1 in 7 people can expect to be disabled for 5 years or more. 3. 48% of mortgage foreclosures are the result of disability." These are compelling reasons to have...

28 October

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Learn the Truth About UNUM

Posted by Nancy Cavey

in UNUM Insurance Company

UNUM Provident Insurance Company, was created in 1999 by the merger of UNUM corporation with Provident Companies and in 2007 the name was shortened to UNUM. It does not matter if the company name is UNUM, UNUM Provident or Provident, the result is the same. The Law Offices of Nancy L. Cavey, your Tampa and St. Petersburg UNUM Provident Disability Denial lawyers, see the same problems over and over. In a great article in consumeraffairs.com, there are over 20 pages of consumer complaints about UNUM Provident claims handling, improper denials, delayed benefits, and more. This article outlines the nightmares that UNUM Provident...

28 October

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UNUM Forces Long Term Disability Applicant to Return to Work and Then Denies Claim

Posted by Nancy Cavey

in UNUM Insurance Company

Can you imagine waiting 13 years to get disability benefits? That’s what happened to Johnny McAulley who was insured under a disability policy purchased through his employer Socretes Holdings and later under a conversion policy. UNUM denied coverage to Mr. McAulley on the basis that he untimely exercised his rights to convert his group Long Term Disability policy to an individual policy. UNUM argued that Mr. McAulley should be denied 13 years of disability benefits because he had “tried to return to work.” In Johnny McAulley v. First UNUM Life Insurance Company the trial court “ruled earlier this week that Mr....

27 October

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CIGNA Featured in ABC News Article About Claims Practices and Denying Long Term Disability Benefits

Posted by Nancy Cavey

in CIGNA Insurance Company

Florida based Long Term Disability ERISA lawyer Nancy Cavey, is aware of an industry wide Long Term Disability carriers practices of deliberately delaying benefits. CIGNA was recently featured in a Good Morning America “Gets Answered” story in April 2008 about CIGNA’s denial of Long Term Disability benefits of Susan Kristoff from West Palm Beach, Florida who had spent two years trying to get her benefits. During the course of ABC’s investigation CIGNA reversed their denial and paid her claim. More importantly, after the story, Good Morning America was “flooded with e-mails from viewers across the country, who said they too had...

27 October

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Your MetLife Long Term Disability Claim and Social Security Benefits

Posted by Nancy Cavey

in Met Life Insurance Company

MetLife has written an interesting article that has some basic overviews of Social Security questions and answers. While the information is helpful, you need to understand that MetLife requires you to apply for Social Security Disability benefits as part of your Long Term Disability claim. While they try to explain the benefits as to why you should apply for Social Security Disability benefits, they really don’t make is clear that your Long Term Disability benefits will be reduced by MetLife once you’ve received Social Security Disability benefits. They also recommend that you call MetLife to discuss hiring an attorney to represent you...

27 October

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Chronic Fatigue Syndrome Claims and CIGNA

Posted by Nancy Cavey

in CIGNA Insurance Company

If you are a CIGNA disability policy holder, you should know that CIGNA has internal guidelines for chronic fatigue syndrome that CIGNA long term disability adjusters are supposed to follow in evaluating a claim. Unfortunately, more often than not, CIGNA ignores their own internal guidelines and makes a concerted effort to deny valid claims. If you are a CIGNA policy holder who has been diagnosed with chronic fatigue syndrome, contact Nancy Cavey prior to filing you claim for legal advice about how to be successful with your chronic fatigue syndrome claim; learn about the games that CIGNA will play in denying your...

27 October

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Are you the Victim of UNUM Surveillance?

Posted by Nancy Cavey

in UNUM Insurance Company

UNUM, one of the world’s leading employee benefits providers, offers long-term disability coverage to more than 25 million people. UNUM routinely selects long-term disability cases for surveillance and has practices and protocols for the surveillance companies that it hires. One of the primary companies that UNUM uses for surveillance is Global Options. If you are a UNUM long term disability policy holder, we prepared a special book regarding Long Term Disability surveillance methods. To order your free no obligation copy contact our office today at 727-894-3188. You will have to give us your name and contact information and we will verify that you aren’t in anyway...

27 October

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Hartford Scams and Your Treating Physician

Posted by Nancy Cavey

in Hartford Insurance Company

Long Term Disability carriers collected your premium to make money not pay your benefits. One of the ways that Long Term Disability carriers, such as Hartford, set up and scam you is by asking your treating physician to check off boxes on attending physician statement forms and submit progress notes. Hartford then pays big bucks to its peer review doctors to review your physician’s progress notes and attending physician statements in response to a completely different set of questions from the claims manager. These questions include such infamous questions such as: 1. Are your complaints supported by objective evidence? Answer: The insurance company...

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