At The Law Office of Nancy L. Cavey, our HM Insurance Group disability claim attorney provides professional, results-centered representation to people and families in Florida and nationwide. You deserve your full and fair disability benefits without any unjustified delay. If you are having a difficult time getting disability benefits from HM Insurance Group, we are here to help. Contact our St. Petersburg, FL law office today for a free, confidential review of your claim.
What to Know About Disability Claims through HM Insurance Group
Founded in 1990, HM Insurance Group is based in Pittsburgh, Pennsylvania. The company offers a number of different insurance policies, including short-term disability coverage and long-term disability coverage. Some other insurers that are subsidiaries of HM Insurance Group include HM Life Insurance Company, Highmark Services Company, and HMIG-Clarity 360 LLC.
Similar to other large insurance companies, HM Insurance Group has a fundamental incentive to protect its own financial interests. Unfortunately, this means that people and families can sometimes struggle to get the full and fair disability benefits that they deserve. A lawyer can help you deal with problems that arise in the disability claims process with HM Insurance Group.
Were Your Disability Benefits Denied?
Few things are more frustrating than getting a disability denial letter. If your short-term disability claim or long-term disability claim was denied by HM Insurance Group, it can put a significant financial burden on your family. You have the right to file an appeal to claim the benefits that you deserve. To bring a successful disability appeal, you need to address the precise reason why the company refused to pay benefits. Take a careful look at your disability denial letter from HM Insurance Group. It should provide some details regarding the denial. Some reasons why insurance carriers deny claims are as follows:
- An error/mistake in the application for benefits;
- Missing a key deadline;
- Not enough medical evidence/information;
- A dispute over medical records;
- Policy exclusions; and
- Bad faith settlement tactics.
Act Quickly to Appeal Your Short-Term or Long-Term Disability Denial
Disability claims are subject to strict deadlines. If your benefits are denied by the insurer, you must submit an appeal before the deadline passes. With an ERISA disability policy from HM Insurance Group, you have 180 days to appeal an unfavorable decision. With a non-ERISA disability policy, you may have even less time. Your denial letter should clarify the deadline. If you have any questions about your rights, reach out to an experienced HM Insurance Group disability attorney for help.
HM Insurance Group Disability Claims: Frequently Asked Questions (FAQs)?
How Do I File for Disability Benefits Through HM Insurance Group?
For your disability claim to be processed and paid by HM Insurance Group, you must submit all required paperwork. If you have employer-based disability benefits, your company/organization should be in a position to connect you with the information that you need. Alternatively, you can also get claims forms and information directly through the HM Insurance Group website.
How Much Can I Get in Disability Benefits From HM Insurance Group?
Your disability benefits from HM Insurance Group will be calculated based on your pre-disability earnings and the specific terms of your policy. Most people who are covered by disability insurance are entitled to receive somewhere between 40 and 66 percent of their pre-disability earnings in benefits. Short-term disability benefits typically last for up to a few months. Long-term disability benefits can last for several years, potentially until a recipient’s ordinary age of retirement.
What is the Cost of Hiring an Attorney for My HM Insurance Group Claim?
You can always afford to hire a disability lawyer to help with your HM Insurance Group claim or appeal. At The Law Office of Nancy L. Cavey, our clients are protected by our no-fee guarantee. You pay nothing unless we help you recover the disability compensation that you deserve.
Contact Our HM Insurance Group Disability Claims Lawyer Today
At The Law Office of Nancy L. Cavey, our disability lawyer has the skills and expertise to help you and your family navigate the claims process. If your short-term or long-term disability claim was denied by HM Insurance Group, we are available to help. For your no-cost, no-obligation case evaluation, please do not hesitate to contact our law firm for help. With an office in St. Petersburg, we provide nationwide representation to policyholders & beneficiaries in disability claims.