Ask Our Lawyers Your Disability Insurance Questions
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Showing 41–60 of 739 Answered Questions
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...
Q: Can Metlife reduce my LTD benefit due to SERP payments that were not paid to me (they went directly to FICA taxes)?
A: Jim:If this payment is a form of a retirement or pension payment then it is likely correct for Metlife to of...
Q: Can the Hartford collect short term disability payments that they say were due to their own mistakes?
A: Technically, Hartford has the right to request repayment even though it was due to their mistake. Often, they ...
Q: Can I be denied from short term disability insurance for postpartum? Or can I fight this?
A: You can always file an appeal of a denied STD claim. The denial letter will explain your options, how to appea...
Q: LTD canceled their request for updated med records?
A: Most Authorizations are only good for two years so depending on when you signed it, it may no longer be valid ...
Q: Are insurance companies allowed to deny payment of short term disability benefits because I am collecting social security retirement benefits disability?
A: Tom, it is not unusual for a disability insurance policy to have language that deducts social security payment...
Q: Disability Attending Physician Statement
A: Treepy, while I am unfamiliar with the state laws of Tennessee, I would hope that the doctor of a disabled per...
Q: Why is New York Life Insurance giving me a hard time?
A: Holly, the requirements of NYL depends on the type of policy that you are inquiring about. I would need to rev...
Q: Can I sue a private investigator outside of ERISA?
A: Tom, anyone can be sued for any reason. SO the simple answer to your question is "Yes." However, that really ...
Q: If your attorney only gets paid percentage if he wins the LTD case, who receives the ERISA approved money for winning case?
A: Stephanie, the way our firm arranges our contracts, should our client be awarded fees and/or costs from the Co...
Q: I need help with offsets.
A: I am sorry to hear of this overpayment that the insurance company has created for your claim. In order to answ...
Q: Should I sign a release of information form sent by Genex on behalf of Unum ?
A: You are only obligated to comply with request from UNUM and not third parties like Genex. If UNUM wants any in...
Q: I have tinnitus which has disabled me. And led to depression. They approved depression for 24 months. That time is coming to an end. My tinnitus prevents me from doing my primary job. How do I appeal?
A: If your tinnitus is disabling you, then your long term disability benefits should not be limited to 24 months....
Q: If a dependent turns 18 in December, does Lincoln subtract their dependent amount from LTD payments even though child is now an adult and receives benefits directly until graduation?
A: The dependent offset is lifted only when the SSA provides written notice it is ending. Typically that is at hi...
Q: 63 year old RN
A: Unfortunately Unum doesn't consider SSDI approval as proof that you are disabled. Yes, it is normal for Unum t...
Q: When is the deadline to file for disability benefit after a job termination?
A: The insurance carrier usually requires that you give them notice of your claim within 30 days of the disabilit...
Q: Does Hartford reduce their monthly LTD payments after 30 months?
A: Usually there's a change in definition after 24 months. The fee reduction would come from any offsets due to s...
