The National Football League is well known for denying the valid disability claims of its players. After submitting a claim for disability benefits to the NFL, which is self-insured and administrates all NFL claims, the player is often sent to numerous "neutral"...
Holding Insurance Companies Accountable For The Coverage They Promised And The Benefits You Deserve
Helping People Like You With Their Disability, Life And Long-Term Care Benefit Claims
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Fighting back against disability claims denials
When Florida residents file claims with their private or group disability insurance, they may be surprised to find themselves confronted with delays or denials of the claim. This can be devastating as people often rely on these insurance policies to provide...
Insurer ordered to pay fees after denying disability benefits
Many people in Florida and elsewhere in the country have faced serious hardship after their applications for disability benefits were denied by their insurance companies. One firm, Life Insurance Co. of North America, was found to be liable in its treatment of a woman...
Liberty Insurance forced by Court to pay LTD Benefits for Anxiety and Bipolar Disorders
In May 2015, Wells Fargo & Company (Wells) hired Rosa Ramirez as a Financial Crimes Specialist. Shortly thereafter, in August 2016, Ms. Ramirez stopped working at Wells after suffering a mental breakdown following an altercation with her manager. Thereafter, due...
A disability insurance claim denial need not be the last word
Having insurance coverage can provide peace of mind. The hope, of course, is to never have reason to file a claim, but the expectation is that if a loss occurs, the insurance company will respond in a timely manner, address the issue professionally and pay an...
ERISA Disability Insurance Appeals – Appealing A Long Term Disability Denial
Individuals who receive short term disability and long term disability coverage as a benefit of their employment are often shocked when their insurance carrier unreasonably delays the review and approval of a claim or unjustifiably denies or terminates their...
Inability to Perform an Essential Duty is Total Disability
When faced with a disability claim, the definition and interpretation of "totally disabled" under your assigned plan is central to the outcome of your claim. As portrayed in Derichs v. AT&T Services, Inc., a recent US District Court for the District of Kansas...
Insurance company questions teen’s new wheelchair request
In many instances, insurances companies in Florida and other states make an effort to meet the needs of families and individuals with unique care requirements. But one mother has experienced unexpected difficulties with her insurance provider about a request for a...
Court reverses Prudential Insurance Company’s termination of Long-Term Disability benefits
Recently the United States District Court for the District of Colorado determined an insurance provider wrongfully terminated a client's long-term disability (LTD) benefits. Paquin v. The Prudential Insurance Company of America highlights potential issues for others...
Court reverses insurance company’s claim denial
People in Florida who have long-term disability insurance through their employers or as standalone policies may believe that they will be protected if they are disabled and no longer able to return to their jobs. Unfortunately, some insurance companies routinely deny...