NO FEE GUARANTEE

Disability Representation For Your Disability Claim

727-894-3188

Call Us For Free Consultation Now

Search
 

Short Term Disability

CaveyLaw.com > Short Term Disability

What Every Short Term Disability Applicant Needs To Know About Self Funded Benefits

Self Funded Short Term Disability Benefits

Did you know that there are two ways that an employer can fund short term disability benefits? The first is to purchase a short term disability policy and the second is to be self funded. In other words, the employer fund the short term disability benefits. However, the employer may self administer the program or hire an administrator. It's important to understand that many short term disability claims are denied at the get-go or cut off during the short term disability period. This is a strategy that's employed to make it harder to appeal a denial. Why? Many policy holders will give up and...

Continue reading

Reliance’s Structural Conflict of Interest Results In Reversal of District Court Order

Reliance Short Term Disability Claims

It’s not uncommon for disability insurance companies, like Reliance, to be responsible for both paying benefits and administrator during the claims process. That’s a conflict! Disability carriers routinely have provisions in the policy that provides them with the discretion to interpret the terms of the policy and make a determination of entitlement to benefits. To overcome that denial, the policy holder has to show an abuse of discretion. The Abuse of Discretion Standard While the fact that disability insurance companies, like Reliance, are responsible for paying benefits and administering the claims process, it won’t alter the standard of review. However, depending on what...

Continue reading