If the impairments caused by your lung cancer and its treatment mean you are no longer able to work, you may need to file a long-term disability (LTD) benefits claim to help pay your bills. What Is Lung Cancer? Cancer is a disease caused by the growth of abnormal cells within the body. The abnormal […]
Category: Long Term Disability
After an insurance company makes a decision to deny your disability claim, they will send you a letter informing you of their decision. The letter should tell you why your claim was denied, as well as how long you have to let them know that you intend to appeal their decision, and how long you […]
As disability attorneys, we cannot emphasize enough the problems disability insurance taxation can cause if you’re not prepared. Many claimants come to us who unfortunately have been caught by surprise when the IRS taxed their benefits. If you receive disability insurance benefits, you need to know whether the IRS says those LTD benefits are taxable […]
Despite many professionals collectively spending millions annually on disability insurance premiums, many insurers still find ways to unfairly deny their coverage. One of these tactics is resorting to insurance code violations. State insurance codes or statutes regulate unfair insurance trade practices, and provide efficient legal remedies to those who were unfairly denied disability benefits from an individual […]
The federal ERISA statute is filled with technicalities, hidden pitfalls and land mines — so much so, the unrepresented claimant has little chance of successfully fighting a wrongful denial of benefits. Group disability insurance claims can be successfully handled when an experienced ERISA lawyer is in your corner fighting for you. Our law firm is […]
Those who suffer mental impairments often find themselves facing more than just the insurance company or government program standing in their way of getting crucial benefits. Often it’s your treating psychiatrist, psychologist or mental health doctor who seems to be working against your mental disability claim. It is important your claim has the support of […]
Former football players who are not totally and permanently disabled may be entitled to a short term disability benefit known as NFL Line of Duty disability (or LOD) where a player incurs a “substantial disablement arising out of NFL football activities.” Pro football players face all manner of disabilities. Because of the complex nature of […]
Lawsuits against Unum, the disability insurance giant, have been the topic of TV news coverage, a multi-state investigation, state insurance commissioners, and years of negative press. More regrettably, this is also a topic around the kitchen table of many of its own policy holders whose claims were unfairly denied.
Unum sells short-term and long-term disability coverage. Many disability lawsuits against Unum fall under federal ERISA guidelines which govern group insurance benefits. Other actions against Unum include bad faith lawsuits in the matter of claims denied or terminated under individual disability coverage.
If you have been denied disability payments by Unum, you’re not alone. With Unum’s history of claims denial, it’s no surprise that lawsuits against Unum cross our desks on a steady basis.
As disability attorneys, we represent unfairly denied Liberty Mutual disability claims for policyholders throughout the U.S.
Liberty Mutual Insurance Company is a Fortune 500 company. Their product line includes group disability coverage, as well as auto, homeowners, workers compensation, liability, and fire insurance. These insurance policies are sold through independent agents and brokers across the United States and around the world.
Liberty Mutual has been selling group disability insurance to employers for over 60 years. These group benefits are intended to replace a portion of an insured employee’s income lost during a disabling sickness or injury. Liberty Mutual sells group coverage for both short-term disability and long-term disability. Short-term disability provides benefits for intervals up to 13 or 26 weeks; Long-term disability provides benefits for longer durations, typically up to age 65 or retirement age.
One of the most profitable disability insurance companies in the United States, Lincoln National provides short term and long term disability insurance under both private and group disability plans.
If you have problems with your disability claim under a Lincoln National policy, Marc Whitehead & Associates invite you to a free consultation with a disability lawyer. Our law firm serves disabled clients every day by holding major insurance companies like Lincoln National responsible when they wrongly deny valid claims for disability benefits.