Marc Whitehead & Associates represents claimants whose Great-West Life disability benefits were denied.
We assist physicians, dentists and skilled professionals throughout the U.S. whose individual disability insurance claims have been wrongly denied or terminated by Great-West Life. We also represent employees whose group disability benefits were denied or wrongfully ended by this insurer.
Although purchasing disability insurance can be a key component in financially protecting your family and your practice, collecting benefits under your policy can be another matter. If your claim for LTD benefits has been wrongly denied, we may be able to help.
Whether you are already on claim with Great-West or are trying to get your initial disability claim approved, you should know a bit about the company you’re dealing with.
Brief History of Great-West Life Assurance Company
Founded in Winnipeg Canada, Great-West is an international insurance giant, with Power Financial Corporation of Canada at the top of the corporate structure.
The company has been in the insurance business for over 125 years. It expanded into the United States in 1906, with current U.S headquarters in Greenwood Village, CO. After various acquisitions and expansions, Great-West now markets disability insurance plans, life insurance, accident, health and dental insurance, plus various retirement, reinsurance and investment plans and services.
Power Financial Corp. holds a controlling interest in Great-West Lifeco, under which Great-West Lifeco U.S., Great-West Life Assurance Company, Great West Financial, and Great-West Life & Annuity Insurance Company (and others) are subsidiaries.
In the disability insurance market, Great-West Life disability products include individual (private) long term disability insurance, group disability plans, and business disability / business succession insurance plans.
Representing Dentists in Great-West ADA Group Disability Insurance Claim Denials
The American Dental Association (ADA) offers group “Disability Income Protection Plans” to practicing dentists and dental students through Great-West Financial. The ADA-sponsored disability insurance plan offers what is called “own occupation” and disability coverage to ADA members, with various options and riders.
Should you become totally disabled from your specialized area of dentistry, your plan would pay you full benefits, even if you find employment in other fields of dentistry or in a career completely unrelated to dentistry.
Other Long Term Disability Insurance Plans by Great-West Life
Great-West’s Individual LTD Insurance Plans Include:
- “Professional” – This is sold as a high-end disability plan for professionals, business owners and key personnel who want versatility and a lot of elective benefit riders.
- “Bossplus” – a Great-West Life disability insurance plan marketed to businesses who want a safety net for their cash flow in the event they are disabled.
- “Protector” – LTD insurance for employees ranging from basic to full coverage.
- “Competitor”™ – Individual long term disability coverage outfitted for individuals who work from home, seasonal employees, or new businesses.)
Great-West Life’s Group Disability Insurance
The company offers standard group disability insurance plans for both short and long term disability insurance. Their approach is for one case manager to co-ordinate, investigate and approve or deny your case.
Great-West’s Business and Group Disability Plans Include:
Business disability is purchased to help business owners meet financial obligations and overhead expenses if the owner becomes disabled. Other businesses (with partners) rely on plans that provides money to cover and prevent losses due to a partner’s long term disability.
- “Professional Expense” – A reimbursement plan for business expenses for service professionals with optional riders.
- “Boss Expense” – For business owners, disability benefits to reimburse certain expenses.
- “Partner Buy-Out” –A disability insurance plan that provides funds to promote a buy-sell agreement if the business owner is totally disabled.
- “Key Person” – If a key employee becomes disabled, this disability insurance plan would help fund the hiring of a qualified replacement employee.
Attorneys Fighting for Your Great-West Life Disability Benefits
Our law firm dedicates its practice to representing dental and medical specialists and business professionals in all aspects of disability insurance claims. Like many insurance companies, Great-West may investigate most high-end claims to find reasons to invalidate them or otherwise prove the claim is not credible.
Claimants are not prepared for what it takes to prevail.
You don’t want to make it easy for the insurance company to deny benefits. You need to be very proactive, leave no stone unturned, when appealing a denied claim with Great-West.
Your medical and vocational paperwork should thoroughly document all appropriate medical care and treatment, while meeting the terms of your ADA policy or of your individual policy.
For example, upon review of your records, their medical doctors may make a good case of disagreeing with your treating doctors, or be somewhat justified when they tell you the information you provided is not complete. Or they could deny your claim based on lack of objective medical evidence, such as soft tissue injuries not “objectively verified” by diagnostic testing procedures.
Our attorneys are prepared for every type of denial tactic taken by insurers, and we have seen every manner of mistake on the part of an unrepresented claimant.
No matter what your disabling condition is, we want you to know you can rely on our firm for experienced legal counsel.
If your Great West claim was wrongly denied, call Marc Whitehead & Associates and ask about our Free Case Evaluation to learn exactly how we can help.
Also you may wish to learn more about our disability application assistance.