Marc Whitehead & Associates represents claimants across the United States in their appeals of denied claims for Boston Mutual disability benefits, or termination of benefits.
Boston Mutual sells group and individual disability insurance plans for both short and long term coverage. We can help you with any of the following types of disability claims, either at the initial application or when you must appeal a disability claim denial by this company.
About Boston Mutual Life Insurance Company
For over 125 years, Boston Mutual Life Insurance Company has sold diverse insurance products including life, accident, critical illness and disability insurance. The company is based in Canton, MA. Products are offered via a variety of plan formats, including group, individual and worksite insurance programs.
A “worksite” insurance plan generally refers to some form of voluntary benefit, in which the employee pays for some or all of the benefit (as opposed to the employer paying the total cost of benefits). Employees’ premiums can be payroll deducted. Worksite, or voluntary, insurance can be offered at a group rate.
Disability insurance is governed either under Employee Retirement Income Security Act (ERISA) law (for employer-sponsored group disability plans) — or — under state insurance and contract law (for privately purchased disability insurance policies.)
What Type of Disability Insurance Coverage from Boston Mutual Do You Have?
This is an important difference our law firm considers with each client’s claim denial under Boston Mutual.
In general, any employer-sponsored insurance plan is subject to ERISA. Yet certain types of workplace, or voluntary, insurance plans may be exempt from ERISA. This is dependent on the terms of the plan, and only if certain conditions are met.
If your short or long term disability coverage from Boston Mutual Life Insurance Company has been denied, we urge you to contact us without delay. The rules of the game change drastically for ERISA vs. individual LTD claims – we can skillfully counsel you in all situations.
Boston Mutual Disability Benefits May Include:
Short Term Disability (STD) Plans
- Short Term Disability (Employee Paid) – A voluntary STD insurance option for employees and union members, with premiums usually deducted from the paycheck
- Group Voluntary Short Term Disability (Employee Paid) – A voluntary group STD insurance option for employees and union members, with premiums typically deducted from the paycheck
- Federal / Postal (Employee Paid) – A disability income protection insurance with Accidental Death and Dismemberment benefits (AD&D). Premiums are generally paid via payroll deductions.
- Short Term Disability – Employer Paid – A traditional STD option available to employees in which the employer pays the premium, either in full or partial payments.
Long Term Disability (LTD) Benefits
Disability Option Plus (Employee Paid) – A voluntary LTD plan for employees and union members with premium typically deducted from the paycheck.
Group Voluntary LTD (Employee Paid) – A voluntary group LTD plan for employees and union members, with premium usually deducted from the paycheck.
Group Long Term Disability (Employer Paid) – A traditional group LTD plan for eligible employees in which the employer pays the premium, either in full or partial payments.
Claim denied? Call Marc Whitehead for Boston Mutual disability benefits help.
Ask for a free case evaluation, and get answers to all of your questions. Marc Whitehead & Associates can help you navigate the complicated laws and will attentively fight for you during the entire claim, appeal and litigation process.
For more information download our free book, Disability Insurance Policies: How to Unravel the Mystery and Prove Your Claim.