Esteemed Colonial Life Disability Claims Attorneys
At The Law Office of Nancy L. Cavey, we advocate for the rights of people who are struggling to get their disability benefits from Colonial Life. With nearly 40 years of experience, Nancy L. Cavey has helped more than five thousand clients get the full and fair disability benefits that they deserve. If your short-term/long-term disability coverage was denied by Colonial Life, our Colonial Life Disability Claims Lawyer is here to help. To set up a free case evaluation with a skilled disability attorney, please call our St. Petersburg office today.
Colonial Life Disability Insurance Claims: An Overview
Colonial Life & Accident Insurance Company (Colonial Life) is a large insurance company headquartered in Columbia, South Carolina. The company offers a broad array of insurance plans, including short-term and long-term disability coverage. Colonial Life is a wholly-owned subsidiary of Unum Group, a Fortune 500 firm that manages many employee benefit policies.
Major insurance companies like Colonial Life are driven primarily by a desire to promote and protect their own bottom line. You cannot count on a large insurer to look out for your best interests or to guide you through the claims process. Sadly, insurance companies, including Colonial Life, have been known to unfairly delay, underpay, and outright deny disability claims.
Know Why Your Claim Was Denied
Are you struggling to recover short-term disability benefits or long-term disability benefits from Colonial Life? If so, you are not alone. Many people have a hard time getting access to the financial benefits that they rightfully deserve. Be ready to take action as soon as possible after getting a disability denial letter. The denial letter should be reviewed and evaluated by an experienced attorney. A lawyer can determine exactly why the insurance company made its decision and what needs to be done to get benefits paid. Some notable reasons why Colonial Life denies disability claims include:
- Missed deadlines;
- Mistakes in the initial disability application;
- Missing medical documents/records/information;
- Questions about the medical evidence;
- Misuse of policy exclusions by Colonial Life; and
- Unfair/bad faith settlement practices.
Frequently Asked Questions (FAQs)
How Do I Initiate the Disability Claims Process With Colonial Life?
To submit an application for short-term disability benefits or long-term disability benefits through Colonial Life, you should obtain an official version of the claims form. For an employer-backed (ERISA) disability policy, a copy of the proper forms can generally be obtained from your company. Otherwise, you should get a copy of the forms directly from Colonial Life. If you need help with your initial claim or you have general questions, please reach out to our Florida Colonial Life disability attorney.
How Does Colonial Life Calculate Disability Benefits?
Disability calculations depend on a number of different factors, including the specific nature of your coverage. Many Colonial Life disability policies provide beneficiaries with coverage up to 60 percent of their pre-disability after-tax monthly income. If you have specific questions about how your Colonial Life disability benefits are calculated, our law firm can help.
When Will Benefits Start Paying Out?
Your Colonial Life disability policy should specify something called an ‘elimination period’. An elimination period is that gap in time between the physician-determined onset date of your disability and the date at which benefits begin. For long-term disability policies, the elimination period is typically between 90 days and 180 days. For short-term disability policies, it is generally far less than that.
How Much Does it Cost to Hire a Disability Claims Attorney?
When you are struggling to recover disability benefits, the last thing you need is another bill to pay. The good news is that Nancy L. Cavey handles Colonial Life disability claims and appeals on contingency. All of our clients are protected by our no fee promise. There is no fee until we win your case. You do not have to concern yourself with upfront/out-of-pocket costs.
Call Our Colonial Life Disability Claims Lawyer Today
At The Law Office of Nancy L. Cavey, our disability lawyer is a passionate, results-driven advocate for disabled individuals and their families. If your disability claim was denied by Colonial Life, our legal team is more than ready to help. Contact us today for a free, no-obligation review of your case. We advocate for the rights of clients throughout the entire State of Florida.
