In this video Marc Whitehead, a Board Certified Disability Attorney, explains Colonial Life Insurance Company.
Colonial Life offers a variety of Insurance products including:
Long Term Disability
Accident
Life
Cancer
Critical Illness Coverage
They also provide voluntary disability benefits purchased by the individual employees to round out an employers core benefits program.
Colonial Life is a stand alone business of the UNUM group. Which is a market leader in disability, Life, and many other insurance plans.
Founded in 1939, today Colonial Life has about 3 Million insurance policies in affect, serving over 70,000 businesses.
Most Colonial disability claims and disputes are controlled by federal ERISA law.
In 1974, Congress passed the Employers Retirement Income Securities Act, ERISA, in an effort to safe guard pensions and disability plans for workers. Unfortunately workers who need to make a claim under ERISA law are up against strict policies that lean in favor of the insurance company.
ERISA law is highly complex, and ERISA cases are very different from private disability insurance cases. Disputed claims but be appealed in Federal court. Without a properly completed appeal you may not be able to bring a lawsuit. If your lawsuit is pursued your case is usually not allowed to have a jury but instead reviewed by a judge.
Marc Whitehead & Associates handles disputes regarding wrongful denials of long term disability insurance benefits from Colonial Life and other major insurance companies.
