In many cases, a delayed or denied claim for American United Life disability benefits can be overturned and won, with the right help.
If you received a denial letter, if they’re giving you the runaround, or if you are about to file for disability benefits with this insurer, contact us for a Free Case Evaluation.
Our disability insurance attorneys actively represent claimants nationwide that were denied benefits by America United Life Insurance Company, or AUL.
About American United Life Insurance Co.
AUL is one of several companies under the umbrella group, OneAmerica Financial Partners, Inc. OneAmerica is a powerhouse in the insurance and financial services marketplace.
American United Life Insurance is a mutual insurance company, meaning there are no stockholders. It is owned entirely by policyholders.
The general thinking is, mutual insurance companies work to ensure that their policyholders’ benefits are maximized for the long term — more so than a publicly traded insurance company might.
When disability strikes and you must file a claim, getting those benefits should be a safe bet.
But AUL doesn’t always award disability benefits when it should. The company has been involved in numerous lawsuits for the unreasonable denial, underpayment or termination of long-term disability benefits.
American United Life Disability Claim Handling is Sub-contracted to a Third Party
When it comes to your claim for disability benefits, American United Life Insurance does not itself handle or process the claim.
AUL generally contracts the claims administration process to a company called Disability Reinsurance Management Services, Inc. (Disability RMS).
Check your AUL claim form. Most likely it refers to Disability RMS in the Claim Filing Instructions, as well as the Authorization for Release of Information. As administrator, Disability RMS will likely have a major role in evaluating your claim and deciding whether to award or deny LTD benefits.
In disputed claim denials, depending on the facts of each case, both American United Life Insurance Co. and Disability Reinsurance Management Services, Inc. may be held accountable in legal actions.
What Type Of American United Life Disability Policy Do You Have?
AUL issues and underwrites the following types of disability insurance plans:
- Group Short Term and Long Term Disability Insurance – paid by your employer
- Individual Disability Income Insurance – you purchased a policy directly from American United
- Voluntary Group Disability Insurance – paid by employees through payroll deduction
- Cost-Shared Group Disability Coverage – group disability plan (CorePLUS) offered to businesses who employ 50 or more workers as a cost-shared coverage
- Optional disability insurance riders may be available
American United denied my disability insurance claim. What can I do?
It is imperative that your claim receive a full and fair review.
If you are a policyholder of American United Life disability insurance and your claim has been denied, we urge you to call us immediately.
To Appeal ERISA-based Claims:
If your claim is under a group disability insurance plan, your policy is likely governed by ERISA regulations. This means you must follow rigid appeal procedures and deadlines.
Our skilled ERISA lawyers are prepared to help you now in all matters of an ERISA appeal or ERISA lawsuit, to fight American United’s wrongful denial or termination of benefits.
To Appeal Non-ERISA Claims:
If your claim is not bound by ERISA law, an administrative appeal may not be required. In this case you may proceed to a lawsuit. To understand your legal rights, contact Marc Whitehead & Associates for a free case evaluation.
Our disability attorneys can help you pursue and prove whether a breach of contract occurred. We further assess whether “bad faith” exists, and if other unfair claims handling was practiced by American United Life or Disability RMS.
Also, if you need to file an initial disability claim with AUL, we offer complete LTD application assistance.
Ask Us About Your Claim Today.
If you were denied long term disability benefits, Social Security Disability or Veterans’ Disability Compensation, we are prepared to help you now. 1-800-562-9830