Do You Need Help Securing Disability Benefits From Union Central? Call Nancy L. Cavey Today
At The Law Office of Nancy L. Cavey, we represent policyholders and beneficiaries of Union Central disability insurance. As an award-winning disability advocate with four decades of legal experience, our founding attorney Nancy L. Cavey has the skills and experience to hold big insurance companies accountable for paying benefits. If you are filing an initial disability claim with Union Central or if your benefits were already denied by the insurer, we are here to help. For a free, no-obligation consultation with a top-rated long-term disability lawyer, please do not hesitate to contact us today.
What to Know About Union Central Disability Claims
Union Central (Union Central Life Insurance Company) has its main headquarters in Cincinnati, Ohio. Founded in the middle of the 19th century, Union Central merged with Ameritas Acacia Mutual Insurance Holding Company in 2006. Currently, Union Central offers both employer-backed disability policies and individual disability income insurance plans.
Unfortunately, getting a short-term disability claim or long-term disability claim paid can sometimes prove to be a difficult task. The nation’s top insurance companies are primarily interested in protecting their own financial interests. If you are struggling with navigating the claims process through Union Central, an experienced disability attorney can help.
You Can Appeal a Union Central Disability Denial
Whether you are seeking short term disability benefits or long term disability benefits, your policy should provide financial support in the unfortunate circumstance that you (or your family member) are unable to work on a full-time basis because of an injury, illness, or other medical complications. If Union Central or any other insurance company denies your claim, you have the right to appeal the decision. Common reasons why insurers like Union Central deny claims include:
- Mistakes in the disability application;
- Lack of adequate vocational records or other financial information;
- Missing medical documents or records;
- Disagreement over the medical evidence;
- The use of policy exclusions—sometimes error; and
- Bad faith conduct on the part of the insurance company.
If you receive a disability denial letter from Union Central, it is imperative that you open it and review it right away. You have a limited amount of time to take action to challenge an unfavorable decision. The disability denial letter from Union Central should include an explanation, a deadline for appeal, and a basic description of what you need to do next. Do not go through the appeals process alone: Contact an experienced Union Central disability claims lawyer for help.
Tip: There are strict deadlines to appeal a disability claim. With an ERISA-backed Union Central policy, you have 180 days to file a claim. With an individual policy, you may have less time.
Union Central Disability Claims: Frequently Asked Questions (FAQs)
What Do I Need to Do to Apply for Disability Through Union Central?
You must complete and submit all required claims forms. In doing so, an applicant for benefits must be sure to include all required supporting documentation. If you have Union Central disability coverage through your company or organization—meaning you have an employer-backed ERISA disability plan—you can get the claims form directly from your employer. If you have individual coverage from Union Central, you should contact the insurance company directly.
How Does Union Central Determine the Amount of Disability Benefits?
If your disability claim is approved, benefits will be paid out in accordance with the specific terms of your policy. As a general rule, disability compensation is paid as a percentage—typically between 40 percent and 70 percent—of an applicant’s pre-disability earnings. If you have specific questions about how much you can expect to get from a Union Central claim, our attorneys can help.
Is it Too Expensive to Hire a Disability Attorney for My Union Central Claim?
No. Everyone can afford to hire a top-rated disability attorney. At The Law Office of Nancy L. Cavey, we handle short-term and long-term disability claims on contingency. There are no out-of-pocket costs associated with hiring our team to help with your Union Central disability claim.
Schedule a Free, Confidential Consultation With a Union Central Disability Lawyer
At The Law Office of Nancy L. Cavey, our Union Central disability claims attorney is standing by, ready to help you maximize your disability compensation. If you have any questions about seeking disability benefits from Union Central, we are here to help you navigate the claims process. Get in touch with us by phone or send us a message online to arrange a no-cost, fully private initial legal consultation. We handle Union Central disability claims and appeals in Florida and nationwide.