Marc Whitehead & Associates represent claimants in actions against Companion Life for wrongful denials of disability insurance claims. Our free consultation can be the start of reversing Companion Life’s decision to deny or terminate your benefits.
Companion Life markets both short and long term group disability insurance packages with diverse options. Disability plans under Companion Life are group disability plans, and claim denials are governed by rigid federal law titled the Employee Retirement Income Security Act (E.R.I.S.A.)
To fight a Companion Life disability denial or termination of benefits, ERISA requires disabled claimants to submit an administrative appeal back to the insurer, under strict timelines. These regulations lean heavily in favor of the insurance company, and limit fair treatment of claimants.
Still, there are definite actions you can take to help your case. Having an experienced ERISA lawyer on your side throughout the appeal process is critical. As a nationally recognized disability law firm, our team is prepared to help you through every step of your Companion Life disability claim.
About Companion Life Insurance Company
The company has been marketing employee benefits for over 40 years. Many of the plans are suited for small employer groups.
The insurance products are sold through a network of independent agents and brokers, agents and underwriters. In addition to disability insurance, their products include dental, vision, and accidental death and dismemberment (AD&D) plans.
While Companion Life is a national company, not all products are available in all states.
Read and Understand Your Companion Life Policy
Benefits may be provided under one of several different disability income plans – so it is essential to know your policy’s specific definitions and terms. Various elimination periods, definition of disability, definitions of an employee’s occupation, pre-existing conditions, benefit percentages and other provisions written into your policy will shape the outcome of your claim.
These and other factors influence how your initial claim for benefits must be prepared, or how the administrative record should be developed during appeal.
A Summary of Companion Life Disability Insurance Coverage (generally)
For companies with 2- 9 employees:
“Trust Group” is the disability insurance plan from Companion Life for short term and long term coverage for small companies.
Under the LTD plan, your employer determines the elimination period; you would start receiving benefits after either 90 or 180 days of leaving work.
Other LTD benefit options include
- two year/reducing benefit duration
- five year / reducing benefit duration
- Age 65 / reducing benefit duration
For companies with 10+ employees:
“True Group” disability income plan is Companion Life’s short and long term coverage for larger companies. A “true long term disability” policy may be written with various options, such as cost-of-living increases, “own occupation to age 65,” or residual benefits.
Under the LTD plan, your employer determines benefit payment maximums, elimination periods and benefit duration.
Voluntary Group Benefits
Funded through payroll deduction, the voluntary disability programs cover certain disabilities with various elimination periods and durations.
Questions about your Companion Life Disability Claim?
Please contact us for answers. We never charge for initial case evaluations. In most cases, we work on a contingency fee basis. This means that no retainer is required, and there are no fees until we win.