Federal court records will show hundreds of civil actions against Provident Life and Accident for disability claims denial. We regularly represent Provident Life policyholders in such disputes. If Provident Life rejected your disability claim, or payments are slow to arrive without cause, make sure you are represented by attorneys who can fight for you most effectively.
Provident Life’s History for Unfair Claims Denial
In 2004, a full investigation by the insurance regulators of all fifty states determined that bad faith denial of legitimate disability benefit claims were deliberately performed by Unum Provident. These bad faith practices stem from the mid-1990s. Thousands of long term policies were denied due to bad faith insurance practices, contract misinterpretation, cutting corners, unfair medical evaluations and many more unjust review and settlement tactics.
Why Did Provident Deny Your Disability Claim?
The denial of your claim might result from an innocuous error in your initial application or incomplete information regarding the nature and extent of your disability. You can get a clear understanding of the reasons for the denial when you retain a Provident disability claims denial attorney, who will review your notice and determine the cause.
Your lawyer will also frame your appeal to the denial–to respond to and rebut the specific information in your notice. For example:
- If the notice refers to incomplete or inaccurate medical information about your disability, your attorney will review the medical records provided to Provident. They will explain how those records are complete or add additional diagnostic test results in your appeal to demonstrate how your disability prevents you from working.
- If the notice specifies that you have not satisfied the definition of disability in your policy, your lawyer can challenge that rejection. In the appeal, they can connect medical evidence of your limitations with the duties and responsibilities that are part of your employment.
- If the notice claims that the nature of your disability is such that you will recover and be able to perform your job duties, your attorney can appeal with rebuttals. These rebuttals may come from examining physicians and therapists whose opinions contradict the generic approach that Provident is taking.
- If Provident provides investigative evidence that shows that you are not disabled, your lawyer can appeal with information to show that their investigation reached an incorrect conclusion.
In all cases, when you appeal Provident’s denial of your disability claim, you need to show a clear understanding of their explanation for the denial–and include information that responds to every element of that denial.
You generally have 180 days to file your appeal. Provident responds to thousands of disability claims and appeals every year. It has a staff of in-house lawyers and disability application examiners with extensive experience reviewing claims. You can best respond to them by retaining the services of an experienced disability claims lawyer.
How We Help Those Denied Provident Benefits
If you have a current dispute with Provident Life for wrongful denial, delay, or termination of benefits, Marc Whitehead & Associates can help you take a stand against this insurance company. Our attorneys have years of specific experience with Provident Life & Accident disability claims. Denial of your claim does not mean it is over. The sooner we can analyze your situation, the better your chances will be of obtaining a fair recovery and putting this crisis behind you. Do not delay schedule a free consultation.