Most ERISA Group Long-Term Disability Policies pay disability benefits for the first two years you may qualify for disability benefits under your policy’s definition of “own occupation”. It is important to know what your long-term disability policy’s definition of “own occupation” is defined as. The definition in these group policies can vary with many different versions […]
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Entries by Barb Krautheim
Cigna Insurance Company is one of the top five largest group disability insurance companies in the Country. Following a very lengthy investigation which began in September, 2009 and was concluded on May 13, 2013 by the Department of Insurance Investigators from the States of California, Maine, Connecticut, Pennsylvania and Massachusetts. The investigation regarding the long-term disability claims […]
If you are receiving long-term disability benefits and have been told it’s under “Reservation of Rights”, this means that while the insurance company is still reviewing your claim to approve benefits or deny benefits, they will pay you under Reservation of Rights. After the insurance company reviews your claim and makes a decision, they will […]
Our office gets asked this question often. My doctor has recommended surgery and indicates that other than surgery, there is nothing more he can do for me. Will my long-term disability claim be denied if I do not have surgery? The disability carrier cannot force you to undergo surgery. For example, if you have back […]
If your doctor has not released you to go back to work, your long-term disability claim may still be and can be denied. After the insurance company receives your claim, they will review your medical records and will start their own investigation of your claim. In this process, the insurance company may send your medical records […]
If your long-term disability policy is an ERISA plan, through your employer, than you need to request a copy of the policy to the plan administrator. This is usually the employer in most cases. The request needs to be in writing and send the request certified return receipt mail via United States Postal Service. Failure […]
http://www.nolo.com/legal-encyclopedia/should-i-hire-long-term-disability-attorney.html You can call our office at (615) 234-6000. You can also e-mail our office at firstname.lastname@example.org. Put our experience to work for you. For more information go to www.LTDanswers.com.