We are glad you landed on this page to learn more about Sedgwick Disability Insurance Claims so you understand before you stop working what you have to prove to get your benefits, how much you will get and how strategic planning can make all the difference in your claim.
You must understand the tricks and games disability administrators like Sedgwick make every day to improve the bottom line by denying or terminating benefits. Their litigation tactics are suspect and also seem to involve making every case into a personal dispute as if paying claims comes out of defense counsel’s pocket.
Sedgwick’s Insurance Company History
Sedgwick was, at one time, a very large British insurance broker, who was bought out by Marsh & McLennan in 1998, which among other things is a risk management company. It was involved in a bid-rigging scheme in 2004. In 2017, it was number 217 on the Fortune 500 list with revenues in excess of 13.2 billion dollars. Big bucks!
Unfortunately, many of its employees were killed in the September 11 attacks when American Airlines flight 11 was crashed into the World Trade Center building.
Sedgwick is one of the largest third-party administrators (TPA) of disability claims. That means that the employer has set up a disability plan and hired a TPA to handle the claim from beginning to end.
Just go onto their “Disability and Absence Management” page to see how they brag about their team and the “Sedgwick difference.” They are all about “managing” absences to the benefit of the employer and not the disabled plan participant, despite what they say on their site.
If you don’t believe me, just Google “complaints” about Sedgwick!
All too often, Sedgwick rips the financial rug and safety net from under disability plan providers.
Use in-house nurses to review medical records and reach medical conclusions about the plan participant’s restrictions and limitations even though those nurses may have no training in or qualifications to render any opinions about the policy holder’s or plan participant’s medical conditions,
Use biased medical peer review providers to create medical justifications for a claims denial,
Use surveillance to discredit the plan participant’s complaints,
Use in-house vocational evaluators to misclassify the plan participant’s occupation, perform questionable transferrable skills analysis and misinterpret the wages of and availability of other occupations it will claim the plan participant holder can do to justify the denial or termination of benefits.
Courts across the United States have criticized Sedgwick’s claims handling.
Sedgwick is known to make endless and multiple requests for medical, financial and vocational information before it figures out a way to deny benefits. This delay and denial strategy drains the long term disability policy holder or plan participant’s bank accounts as they try to stay financially afloat.
How We Handle Sedgwick Disability Insurance Claims
Sedgwick rarely tells a denied plan participant the real reasons the claim was denied. You need an experienced lawyer, like myself, who battles Sedgwick daily.
I will help you with your Sedgwick claim by:
Reviewing your policy,
Reviewing your medical records,
Create a pre-claim strategy to get your benefits on the initial application,
Appeal a wrongful denial or termination by writing an appeal letter 25 to 60 pages long that is the trial of your case and goes to Sedgwick’s doorstep,
Protect you from aggressive claims handling by Sedgwick, including the delay game, we need more information game, we want to take your statement game or we want to have you under an independent medical examination or FCE,
Aggressively litigating your case, if need be.
Sedgwick plays games with initial applications and makes endless and multiple requests for medical, financial and vocational information before it figures out a way to deny benefits. This delay and denial strategy drains the policyholder or plan participant’s bank accounts as they try to stay financially afloat. It is their business model.
Sedgwick uses “liar for hire” doctors who give them the ammunition it needs to justify a claims denial or termination. Sedgwick rarely tells a denied plan participant the real reasons the claim was denied. You need an experienced lawyer, like myself, who battles Sedgwick daily.
Some Sedgwick plan participants make the mistake of going it alone and they pay dearly for “doing it yourself.”
Need Help With Your Disability Insurance Claim if You Have a Sedgwick Insurance Policy?
Here at Cavey Law, we specialize in going up against the big insurance companies like Sedgwick. Request your policy, gather your medical records and give us a call at 727-894-3188 for a complimentary 30 minute consultation about your disability claim. Don’t wait. Call today!