At The Law Office of Nancy L. Cavey, our Illinois Mutual disability claims attorney is a skilled, reliable advocate for policyholders and beneficiaries. Our firm has helped more than 5,000 clients secure their disability benefits. If you are struggling to recover disability benefits from Illinois mutual, we can help. To set up a free, no-obligation initial consultation with a top-rated disability lawyer, please contact our St. Petersburg law office today.
What to Know About Disability Claims Through Illinois Mutual
Founded more than a century ago, Illinois Mutual is a large insurance company with headquarters in Peoria, Illinois. The company is associated with several subsidiaries in the industry, including IM Bardin, LLC, Richard B Vance & Co, and IM Medlin, LLC. Illinois Mutual offers several different types of insurance coverage, including life insurance and disability insurance.
All insurance companies have a legal responsibility to use fair, good faith settlement practices. You should be able to get your claim paid in full within a reasonable time frame. Unfortunately, large insurers such as Illinois Mutual have a financial incentive to put their own business interests ahead of policyholders/beneficiaries. A lawyer can help you overcome problems in the claims process.
Were Your Disability Benefits Denied By Illinois Mutual?
If your short-term disability claim or long-term disability claim was denied by Illinois Mutual, you may be feeling frustrated and stressed out. You are not out of options. Large insurance carriers such as Illinois Mutual do not have the authority to make the final decision on your claim. You can appeal a short-term or long-term disability denial. To bring a successful appeal, you need to know exactly why the company declined to pay your benefits. Here are some common reasons why insurance companies deny claims:
- Mistakes in the initial disability application;
- Lack of comprehensive medical evidence;
- Dispute over the meaning of medical evidence;
- The use of a policy exclusion; and
- Bad faith conduct by the insurance company.
Be Proactive: Limited Time to File an Appeal
The disability claims process can move quickly—especially once an insurance company moves to deny benefits. You must file your appeal before the deadline expires. Otherwise, you risk losing your ability to claim benefits. With ERISA disability policies offered through Illinois Mutual, you generally have 180 days from the date on the denial letter to appeal. With a non-ERISA policy from Illinois Mutual, you may have even less time. Get started with the appeals process as soon as possible.
Illinois Mutual Disability Claims: Frequently Asked Questions (FAQs)
How Do I File for Disability Benefits With Illinois Mutual?
To apply for disability benefits, you must satisfy all of the requirements. If you obtained Illinois Mutual disability coverage through an employer, your supervisor or HR department should be able to help you get access to the right forms and information. On its website, Illinois Mutual also provides additional information for policyholders looking to claim benefits.
What Formula Does Illinois Mutual Use to Calculate Disability Benefits?
Disability income insurance is meant to provide you with financial protection in the event that an injury, illness, or medical impairment prevents you from working. You can use disability benefits to cover rent/mortgage, utilities, groceries, and your other day-to-day expenses. Illinois Mutual calculates disability benefits based, in large part, on your pre-disability earnings. Most applicants receive a percent (40, 50, 60, etc) of their pre-disability earnings as a monthly payment. How much you will receive depends on the specific terms of your coverage through Illinois Mutual.
Can I Afford to Hire a Lawyer to Help With My Illinois Mutual Disability Claim?
Yes. No matter your current financial situation, you can afford to hire a top-rated disability attorney for help with your Illinois Mutual claim. At The Law Office of Nancy L. Cavey, we are proud to offer a comprehensive no-fee guarantee to all clients. You pay nothing unless we win your case.
Contact Our Illinois Mutual Disability Claim Lawyer For Assistance
At The Law Office of Nancy L. Cavey, we are focused on helping people get the financial benefits that they need and deserve. With over 5,000 clients served, our legal team knows how to get results. If you need help navigating the disability claims process with Illinois Mutual, we are ready to get started on your claim. Contact us now to set up a free, no-commitment review of your case. From our St. Petersburg office, we provide disability representation in Florida and nationwide.