Insurance companies are run to make a profit. To them, having to pay long term disability benefits to a policyholder who’s become too ill or injured to work is a loss. To avoid a loss, the insurance company will often go to great lengths to show the policyholder is not disabled and can work, even […]
Our video discusses how disability insurance companies can reduce or limit disability benefits in group, or employer-sponsored, LTD plans. This is achieved through the wording and terms written into the disability insurance policy.
Do you know what benefits are limited in your disability plan?
In the video above, attorney Marc Whitehead explains why group disability insurance claims that have reached the Erisa disability claim litigation stage can be difficult to litigate in court. If your insurance company denies your disability claim, there is a big difference in what you can do depending on whether your claim is under a […]
How will new ERISA rules affect your disability claim or appeal?
Beginning January 1, 2018, the regulations that control ERISA claims and appeals will change.
This is good news, because the new ERISA disability regulations will give short and long term disability claimants a much needed layer of protection.
It is well-known that group disability claims are fraught with deceptive practices. This is largely because existing ERISA regulations make it easy for insurers to deny valid disability claims without penalties. Under ERISA, legal remedies and due process for claimants are very limited.
Disability Lawyer, Marc Whitehead has filed suit on behalf of a disabled 55 year old worker and a resident of Indiana, who became severely disabled while covered under a long term disability insurance policy issued and administered by Unum.
Plaintiff is a 55 year old worker and was formerly employed as a Refund Specialist. Plaintiff is a resident of Indiana and is currently disabled due multilevel herniated discs with nerve root impingement in the lumbar region of her spine with accompanying radiculopathy as well as bilateral carpal tunnel syndrome and severe gSuit Filed laucoma. Unum is an insurance company doing business in Indiana.