Legal Representation Against Penn Mutual Disability Claims Denial
Penn Mutual Life Insurance Company sells life insurance products as well as private long-term disability insurance policies. As a mutual life insurance company, Penn Mutual does not have shareholders but instead is owned by its policyholders.
Penn Mutual often supports claims on their disability policies. However, there are times when Penn Mutual disability claims may be unfairly denied or delayed, or previously awarded benefits may be terminated. These actions present tremendous challenges to the claimant, affecting their financial future and quality of life.
If you are faced with a Penn Mutual disability claims denial, contact Marc Whitehead & Associates and allow us to evaluate your case at no charge or obligation.
By Phone: 800-562-9830
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For a free legal consultation, call 800-562-9830
Uncovering the Reasons for Penn Mutual Disability Claims Denial
If you are a policyholder in need of the coverage you paid Penn Mutual for, it is important to be represented by a lawyer who has specific experience in disability insurance law. A bad faith insurance claim lawyer must be able to prove that the insurance company failed to honor its contract.
Our firm has helped thousands of people successfully appeal and overturn claim denials from the major insurance companies, including Penn Mutual. To obtain compensation for long-term disability as well as punitive damages, we provide a time proven method based on experience, knowledge and our uncompromising commitment to our clients.
Without appealing Penn Mutual’s denial of your claim, there is no opportunity for you to fight back to prove your claim. There is no avenue for the insurance company to do the right thing and overturn a denial.
Appealing Penn Mutual’s Denial of Your Claim
If Penn Mutual denies your disability claim, you have the right to appeal the decision. Marc Whitehead & Associates will help you file your administrative appeal, which requires submission within 180 days of the denial. Failure to comply with this deadline can mean that your right to appeal is waived and the denial stands.
While Penn Mutual reviews the appeal, under the Employee Retirement Income Security Act of 1974 (ERISA), a different employee must conduct the review than the one who issued the denial.
Keep in mind that many initial disability claims are denied. In fact, first-time denial is almost the rule rather than the exception.
Penn Mutual, like other insurers, tries to avoid paying claims whenever possible. It is the basic business model of insurance companies. They know that many disabled policyholders will not pursue an appeal. The process is sometimes complicated and too confusing for a disabled layperson to do on their own. That is why seeking legal counsel is so crucial.
The appeals process for disability denials begins with your attorney obtaining your Penn Mutual disability benefits policy and reviewing your entire claim file. Your denial letter will state the reasons for the decision.
The lawyer’s evaluation seeks to find reasons to argue for the approval of your claim. After a thorough review, we discuss any additional evidence needed and the most effective way to lodge your appeal.
The most common reasons for disability denial include:
- Insufficient medical evidence–The claim requires supporting evidence. Besides all medical records, such evidence includes your doctor’s statement and an ongoing treatment plan. Providing the missing evidence can reverse the denial. You may need to seek out additional medical information or undergo further examinations.
- Not meeting the disability definition–Every insurance company may define disability somewhat differently in its policies. If your condition does not meet Penn Mutual’s definition, it will deny your claim.
- Social media posting or surveillance video–Penn Mutual’s investigators may scour your social media posts or even take surveillance video to ensure a claimant is actually disabled and not participating in activities supposedly precluded by their disability. If a recent social media post shows the claimant skiing, hiking, or engaging in some other strenuous activity, expect a denial. If you can prove the photos or video in question were taken before you became disabled, you may find your claim approved.
Surveillance video, however, is a more difficult subject. For instance, if your medical records indicate you cannot lift more than 10 pounds due to your disability, but the video shows you lifting children or carrying heavy bags of groceries into the house, that can harm your appeal.
- Missing deadlines–Again, it is imperative that all documentation and forms are submitted within the required timeframe. Otherwise, claim denials are automatic.
If your appeal is denied, you may choose to file a federal lawsuit against Penn Mutual.
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Nationwide assistance from experienced Penn Mutual claim attorneys.
Every day, we help people across the country recover money for their long-term disability claims. Our lawyers have decades of experience in disability insurance law, representing individuals with all types of disabling conditions. Penn Mutual and other insurance companies have come to know our firm and understand that we provide skilled, serious representation for our clients.
Ask disability lawyer Marc Whitehead about your Penn Mutual disability claims denial today. Make sure you are represented by attorneys who can uncover the reasons for the denial, take prompt action to reverse the insurance company’s decision, and win the compensation that is rightfully yours.
Do not delay. Call 800-562-9830 about your disability denial and request a free consultation with a lawyer.
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