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Was Your Disability Claim Denied By Companion Life? Florida Lawyer Nancy L. Cavey Can Help


At The Law Office of Nancy L. Cavey, our Companion Life disability claims attorney is a skilled, experienced advocate for policyholders. With nearly four decades of experience, Nancy L. Cavey has helped more than 5,000 clients secure disability compensation. If you are struggling to get disability benefits from Companion Life, we are more than ready to help. For a free, fully confidential initial consultation with a Florida disability lawyer, please reach out to our St. Petersburg law office today.


What to Know About Companion Life Disability Insurance


Founded in 1970, Companion Life Insurance Company is a larger insurance carrier with headquarters in Columbia, South Carolina. Companion Life specializes in employee benefits. It is a nationwide provider, serving 49 states, including Florida. The company offers a number of different types of policies, such as short term disability coverage and long term disability coverage. 

Do you have coverage through Companion Life Insurance Company? If so, you can seek financial support if you are no longer able to work on a full-time basis due to a disability, illness, or medical impairment. Unfortunately, it is not always easy for policyholders and beneficiaries to get their disability benefits from large insurance carriers like Companion Life. 


Know Your Right to Appeal a Companion Life Disability Denial


Are you struggling to get short term disability benefits or long term disability benefits from Companion Life? If so, it is important to understand that you have the right to appeal. Companion Life does not have the authority to make the final determination on your claim. In denying a claim, large insurers providers like Companion Life must send written notice explaining their adverse decision. Be sure to review this letter so that you know what you need to address on appeal. Some common reasons why short term/long term disability benefits are denied include: 


  • Mistakes on the disability application; 
  • Missing medical documents or records; 
  • Disputes over the existing medical evidence; 
  • Policy exclusions; and
  • Bad faith conduct by the insurance company. 


Be Proactive: Limited-Time to Challenge a Denial


To preserve your right to appeal, you must initiate the process before the deadline expires. As most policies offered by the Companion Life Insurance Company are governed by the federal The Employee Retirement Income Security Act of 1974 (ERISA), policyholders generally have 180 days from the date of their denial letter to file an appeal. Do not wait to get started with your claim: Call an experienced Florida disability claims attorney as soon as possible after a denial. 


Companion Life Disability Insurance: FAQs


What Steps Do I Need to Take to Get Disability Benefits?


To get disability benefits from Companion Life, you will need to complete and submit the proper claim forms. If you have disability coverage through your employer, your company or organization should be able to provide the right forms. You can also access the form directly online: Companion Life Disability Claim Form


When Will Disability Benefits Start and Stop?


With Companion Life, your disability benefits will start once your claim is approved and the elimination period has passed. Simply defined, an elimination period is a “waiting period” between the onset of a disability and the date at which the first round of benefits are paid out. 


How long disability benefits will last will depend on the nature of your medical condition and the specific terms of your policy. In general, short term disability benefits are typically limited to a few months. In contrast, long term disability benefits can last for several years—potentially until your ordinary age of retirement. 


How Much Does it Cost to Hire a Disability Attorney?


With The Law Office of Nancy L. Cavey, every client is protected by our no-fee guarantee. We provide legal representation for your disability claim on a contingency fee basis. This means that you pay nothing unless we recover disability benefits on your behalf. There are no upfront fees or out-of-pocket costs for your family. 


Was Your Disability Claim Denied By Companion Life?


We can help. At The Law Office of Nancy L. Cavey, our Florida disability lawyer has the professional skills and legal expertise to get your results. We know how to hold large insurance companies like Companion Life accountable. Call us now or contact us online to schedule your free case evaluation. With a law office in  St. Petersburg, we provide disability law services throughout Florida, including in Tampa, Orlando, Sarasota, Jacksonville, West Palm Beach, Fort Lauderdale, and Miami.