Ask Our Lawyers Your Disability Insurance Questions
On a daily basis our lawyers answer your questions. Please use the filter below as we may have already answered your question. For an immediate answer please contact us.
Showing 541–560 of 735 Answered Questions
Q: Does purchasing coverage automatically entitle me to benefits?
A: Tyrone, Unfortunately, purchasing coverage does not automatically entitle you to benefits as you do have to sa...
Q: What is the next step after Unum denies my appeal? Do they usually settle with a lump sum or continue monthly payment?
A: Ann, If the policy does not provide for an additional appeal then the next step available to you is filing a l...
Q: Is it normal for LFG to ask for excessive amounts of paperword and not grant me STD benefits for over a month?
A: Jason, The continual request for information is by no means unusual, the not receiving STD benefits for over a...
Q: Can Prudential reduce their burden in an ERISA LTD policy for the sale of private investments (stocks/shares etc.) that have nothing to do with employment or wages of any kind?
A: Jane, What can and cannot be considered sources of “Other Income” subject to offset under a policy will be...
Q: How do I get a copy of my IME report from Principal?
A: Lisa, Unless your claim has been denied an insurance carrier will not typically release an IME report to you o...
Q: Do I only get one appeal with Prudential? Do I have recourse for a STD denial?
A: Prudential typically provides a voluntary level of appeal. Following the denial of the appeal you would have t...
Q: Who is responsible for giving me an accounting of the overpayment owned? Can I negotiate the amount of repayment?
A: Prudential will be responsible for providing you with an accounting of any overpayment owed. Unfortunately, in...
Q: Are anxiety and depression considered disabilities? If so, what is the likelihood of winning a claim, and should I have an attorney handle it?
A: The application for benefits under a private disability insurance policy is without a doubt the most important...
Q: Do I have to sign SunLife's Social Security Consent Form?
A: Tammie, If the policy does not require you to sign the letter then you may not have a legal obligation. That b...
Q: How many extensions is Prudential allowed to request before they make a decision?
A: Iiirina, If your policy is governed by ERISA, Prudential would have 45 days to render a decision on your claim...
Q: How can Cigna use SSDI as an offset yet not accept me as disabled?
A: Bethbug, The law is clear that receipt of SSDI does not guarantee the right to benefits under a private disabi...
Q: Can I still get insurance benefits if Cigna denied my claim because I coouldn't give them the exact confirmation date of my pregnancy before the cutoff?
A: Melissa, Please feel free to contact our office to discuss how we may be able to assist you. If there was a de...
Q: What do I do if Cigna keeps denying my claim?
A: Chris, Did Cigna formally deny your claim for benefits at that time they advised you that they had determined ...
Q: Does Principal use private investigators to conduct surveillance as part of the review of my claim?
A: Matt, Yes, Principal is known to use investigators to conduct surveillance as part of its ongoing review of yo...
Q: What can I do if all of my appeals have been exhausted?
A: Barbara, If all of your husband’s appeals have been exhausted then the only option available may be to bring...
Q: What is the difference between having your case closed versus one that’s denied?
A: Neal, They are typically one in the same for all intents and purposes. Regardless of the rationale for the den...
Q: If I attempt to return to work with restrictions due to injury and am still in pain, how do I handle my claim with Reliance Standard?
A: Ben, if you are not physically able to work then only you can make the decision about attempting to return to ...
Q: Is Unum a third administrator for major companies?
A: Trish, Unum will sometimes act in an administration capacity with MetLife, but usually only under individual i...
Q: What should I do if Aetna denied my claim based on a social media post they saw?
A: Lee, Your policy is most likely governed by ERISA, which will require the filing of an administrative appeal b...
Q: Can MassMutual deny my claim due to an issue not included in my physician's formal diagnosis?
A: Jimmy, Unfortunately, Mass Mutual is within their rights to decline to provide insurance coverage as they see ...
