Was Your Long Term Disability Claim Rejected By Assurity? Our Law Firm is Ready to Help
At The Law Office of Nancy L. Cavey, our Florida disability attorney has the skills and legal experience to help with your Assurity disability or Assurity disability appeal. With a focus on representing people and families, we know how to hold large insurance companies responsible for paying claims. If your disability benefits were denied by Assurity, we are more than ready to begin working on your case. For a free, no-commitment consultation with a skilled Florida disability attorney, please do not hesitate to get in touch with our St. Petersburg law office today.
Assurity Disability Insurance: An Overview
Founded in the late nineteenth century, Assurity is an insurance company with its primary headquarters in Lincoln, Nebraska. It is licensed to conduct business in 49 of the 50 states, including in Florida. Assurity offers a wide range of insurance products, including life insurance coverage, short-term disability coverage, and long-term disability coverage.
Many people obtain their Assurity disability coverage through an employer (an ERISA plan). No matter what type of disability coverage you have, it is crucial that you are able to get your benefits paid promptly when you make a valid claim. Sadly, many people have a hard time dealing with Assurity and other large insurance carriers.
You Can Challenge a Disability Denial
If your short-term disability benefits or long-term disability benefits were denied by Assurity, you can file an appeal. Neither Assurity nor any other large insurance company is the final arbiter of your claim. In general, an insurance company is required to send a written denial letter explaining its decision. Some of the most common reasons why Assurity and other carriers deny disability claims are as follows:
- Applicant mistakes on the initial application for benefits;
- Lack of comprehensive medical evidence;
- Disagreements of the existence or severity of disability;
- Policy exclusions—sometimes wrongfully applied; and
- Bad faith settlement practices.
If you received a disability denial letter from Assurity, it is imperative that you review the contents to determine the steps you need to take to appeal. Among other things, the denial letter should include a specific deadline for appeal. With an ERISA policy from Assurity, the deadline will generally be 180 days from the date of the letter. With a non-ERISA policy from Assurity, you may not have as much time to prepare your appeal.
Assurity Disability Claims: FAQs
What Do I Need to Do to Apply for Assurity Disability Benefits?
In order to file a successful disability claim through Assurity, you may comply with all of the requirements of your policy. If you received disability insurance through an employer, your company should be able to get you the proper forms. Otherwise, you can reach out to Assurity directly. As a starting point, you will need the following forms/information to file a disability claim:
- A Statement Form—which should be completed and filed by the applicant;
- An Attending Physician’s Statement Form—which should be completed by your doctor;
- An Employer Statement Form—assuming you have an ERISA policy from Assurity; and
- A Confidential Information Form—which allows the insurer to review certain medical records.
How Long Do Assurity Disability Benefits Last?
Assurity disability benefits are calculated based largely on an applicant’s pre-disability salary. How long these benefits will last depend on the nature of your health condition and the specific terms of your policy. Long-term disability benefits through Assurity can last until a person’s normal age of retirement. Short-term disability benefits are typically capped at six months (or less).
What Does it Cost to Hire a Disability Lawyer in Florida?
You can hire a lawyer to work on contingency. At The Law Office of Nancy L. Cavey, we provide free, no-obligation consultations to anyone in Florida who has questions about an Assurity disability claim. Beyond that, all of our clients are covered by our comprehensive no-fee guarantee. With our Florida disability lawyer, you pay nothing until we win your case.
Was Your Disability Claim Denied By Assurity?
We can help. At The Law Office of Nancy L. Cavey, we are proud to provide high-level, personalized legal representation to people and families. If you are having a difficult time getting disability compensation from Assurity, our lawyer can help. Give us a call now or contact us online for a free, fully private assessment of your claim. Our firm provides disability claims & appeals representation throughout all of Florida.