Marc Whitehead & Associates represents insureds in actions against Ohio National for wrongful denials of disability claims. Our free case evaluation can be the start of overturning Ohio National’s decision to delay, deny or terminate your long term disability benefits.
Most Ohio National disability claimants are business professionals, doctors, dentists, attorneys and other professionals. Some policies are offered independently, and others may be through a professional group or association.
Ohio National Financial Services often takes an unreasonable approach to handling claims, such as causing undue delays and failing to disclose pertinent information needed to successfully rebut and appeal a denial.
If your claim for long term disability benefits with this insurance company was wrongfully denied or terminated, our disability attorneys will help prepare your initial claim or appeal a denied claim to maximize your chances of success.
Ohio National Disability Insurance Coverage
Coverage for individuals – You may have purchased an individual disability income policy. These are written to protect professionals and business owners who need replacement income if they are unable to work due to illness or injury.
Coverage for small business owners – Ohio National sells two types of disability income policies to protect small business owners and their companies:
- Business Overhead Expense – If a business owner becomes disabled, overhead expense coverage provides funds to keep the business up and running.
- Buy-Sell Insurance – If a business owner becomes disabled, buy-sell coverage provides the money to facilitate a transfer of ownership.
Legal Issues with Ohio National Disability Claims Process
The claims denial process used by Ohio National demonstrates a pattern that continues to be the subject of disputes. Their delay and denial tactics have included fraudulent misrepresentation and bad faith conduct, or violation of its duty to act in good faith, such as:
- Failure to provide claimants and qualified parties a copy of the claim files following a letter of denial. Without the insurance company’s reasons and information supporting their denial, how can one possibly contest the denial?
- Failure to disclose a claimant’s right to appeal, and failure to fully disclose how and when a claimant must appeal.
Overturning Ohio National Disability Claims Denial
Ohio National hopes that you will give up and abandon your claim. We know that our clients have a strong case that can be won on appeal or through litigation. We are fully prepared to hold this insurance company accountable in their wrongful handling of our clients’ disability claims.
Ohio National disability claims are frequently denied the first time around, only to be approved once the claimant hires an experienced disability lawyer to fight on their behalf. Our attorneys will waste no time summoning any withheld information, and take every step to develop the best possible case to prove disability.
The majority of Ohio National disability claims are under individual disability income policies. For these claims, state insurance and contract laws will apply. Depending on the state in which the policy was issued, we may be able to seek
- punitive damages
- breach of contract and bad faith legal remedies
You also have many important rights protecting you, such as a right to a jury trial (instead of a federal judge deciding your claim), as well as the opportunity to introduce new evidence to support your claim.
If your Ohio National disability claim is filed under a group disability or association plan, Federal ERISA laws may govern your claim. This matters a great deal, because ERISA does not give you the higher levels of protection as with state insurance regulations.
Call us today for help understanding the benefits you are entitled to. Disability lawyer Marc Whitehead and his team have the skills and experience needed to successfully resolve your case. We will work aggressively for you and support you every step of the way.