Ask Our Lawyers Your Disability Insurance Questions
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Showing 21–40 of 735 Answered Questions
Q: I have LTD through UNUM, can I move out of state?
A: Linda, yes, you certainly are able to move to a different state even if you are receiving disability benefits....
Q: How much can Guardian Life ltd take back once you get social security disability?
A: Guardian will be entitled to a repayment of any period of disability in which they paid the full benefit amoun...
Q: Family member, 63 years old, disabled, receives ssdi and Unum
A: It could be an offset under the policy. It the IRA represents funds that were rolled over from an employer pro...
Q: If reasonable accommodation was denied can this play apart in long term appeal letter?
A: When you refer to a reasonable accommodation I assume you mean a workplace accommodation request to your emplo...
Q: Do you do arbitration for short term disability denials?
A: Arbitration for a short term disability denial is very unusual. If it’s required, it would be because the sh...
Q: Can the Hartford hold my last LTD payment for a indefinite amount of time?
A: I am sorry to hear about this situation. This is a very specific fact pattern. Hartford needs to comply with t...
Q: Do I need to worry about foreign residency limitation?
A: Great question. If your policy does not have any residency limitation, then the disability insurance company c...
Q: New York Life outstanding overpayment
A: I am very sorry for your loss. There is a strong argument that you are not responsible, but they may be able t...
Q: What can I do if my appeal is denied?
A: Andie, if the appeal is denied, NYL may offer a voluntary second level appeal. If not, you will have exhausted...
Q: Why does Guardian want me to file for SSDI?
A: Without reviewing your Policy I cannot be sure what their motivation might be. SSDI is typically found in the ...
Q: Backpay obligations
A: The disability insurer should release your benefits immediately once it has been determined that you are eligi...
Q: Backpay of Approved SSDI
A: You can request a detailed explanation and breakdown of their overpayment calculation. Provide Hartford with y...
Q: Overpayment from Boston Mutual
A: If you were overpaid benefits in error then you are not entitled to keep the money and are required to return ...
Q: Permanent Brain Injury from MVA and qualifying for LTD under the "Any Occupation" for Lincoln Financial
A: The change of definition from own occupation to any occupation is used by disability companies to reevaluate y...
Q: What do I do if my attending physician's office tells me it is their office policy to not fill out Attending Physician Statements for any patient for LTD benefits?
A: This is a big problem. You need to find a treating doctor that will complete paperwork. Northwestern Mutual re...
Q: My long term disability insurer has applied a 24 month mental health limitation on my benefits. Is there any way to challenge this? On my benefits.
A: Liz, in this situation, the terms and the conditions of the policy will apply. If you have any diagnoses or co...
Q: What are my options?
A: It sounds like Unum is trying to assert a pre-existing condition limitation? To know better what your options ...
Q: Can I be fired for getting a lawyer to help with my short term disability?
A: I don’t believe you can get fired from a job for getting an attorney to assist with a short term disability ...
Q: Can ltd offset soc. sec. benefits for a child born after collecting ltd benefits for over two years prior to the child's birth?
A: Employer provided disability policies almost always include language allowing for the offset of a benefit due ...
Q: Unum payments offset
A: You should only have an SSA offset for any period that overlaps with the UNUM payment. Please see the deductib...
