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 581–600 of 739 Answered Questions
Q: When a person is dealing with multiple insurers and needs monthly assistance, does your firm provide this service for a certain percentage of the monthly payment?
A: Mark, Yes, we can offer contingency fee arrangements based on a percentage of your monthly disability benefit,...
Q: Unum denied me on basis of preexisting condition and also didn't pay me for 2 years. Can I sue?
A: Ronald, It sounds as if Unum is alleging you have a pre-existing condition precluding you from coverage under ...
Q: Is Unum responsible for providing my claim file? How do I move the process along?
A: Mr. R, Please feel free to contact our office to discuss how we may be able to assist you. Under ERISA, Unum w...
Q: What should I do if Prudential's denial letter has several mistakes in in?
A: Terri, More than likely you will have to go through the Administrative Appeal process. Please feel free to con...
Q: Can I suggest a buyout? Will that create a problem?
A: Chuck, Unum may be willing to discuss a lump sum buyout of your policy. Please feel free to contact our office...
Q: Will receiving a settlement from a personal injury affect my monthly Unum Disability?
A: Wanda, Depending on your policy language, the settlement from the personal injury case could result in an over...
Q: I have been on LTD benefits for 3 years, but Cina wants an FCE. What should I expect? Do I hire a lawyer?
A: Edin, It may be wise to consult with an attorney at this point. Please feel free to contact our office. For mo...
Q: Can I prevent Cigna from offsetting my benefits by the amount I receive from social security?
A: Mare, Unfortunately, if the policy allows for the offset of your mother’s disability benefit by the amount s...
Q: Can you explain why NWM is still paying me while my claim is being reviewed? They said if they don't approve it, their accomodation payment is not owed back to them.
A: Frustrated, Northwestern Mutual is providing benefits under what is commonly known as a “Reservation of Righ...
Q: Can I get a lump sum buyout? Should I hire an attorney?
A: Skip, Please feel free to contact our office to discuss how we may be able to assist you in securing a lump su...
Q: Can Aetna ask me for medical records I they are authorized to get them from my doctor? Why are they asking for records from years ago?
A: Bryom, Ultimately as the insured it is your duty to provide all medical records in support of disability. As s...
Q: What can I do to speed this process up?
A: Joe, You could consider filing a complaint with your insurance commissioner. That might speed the process up. ...
Q: How will my social security benefits from retirement affect my LTD with Lincoln Financial?
A: Mose, under most long term disability policies your Social Security Retirement benefits would offset your mont...
Q: Can I appeal on the basis or parity? Also, what do I do if Cigna has not sent me a written explanation for my reduction in benefits?
A: Susan, My only suggestion at this point would be to request in writing an explanation as to the reduction in b...
Q: Can Reliance Standard use my son's benefits as offset after the initial offset for SSDI?
A: Derek, cost of living increases are COLA increases paid by the SSA. An award of dependent Social Security woul...
Q: Why is Hartford comming to my home, and can I request to meet somewhere else?
A: Jules, You can certainly request to have the interview conducted at a neutral location outside of your home. P...
Q: Can Unum offset my benefits if I receive SSD?
A: Jeff, Unfortunately, yes. Unum policies typically contain language that your benefit will be offset by the rec...
Q: Can Cigna deny my claim even after approving the same one a year ago?
A: Kelly, If the policy indicates that it will not cover disability that is due to a workplace accident or sickne...
Q: Why is Hartford sending me an IME only 1 year into my LTD?
A: Hartford does not typically send claimants for Independent Medical Evaluations, especially so early in the cla...
Q: Am I required to go to an IME that Lincoln Financial wants me to attend?
A: Karen, failure to attend an IME could result in a denial of benefits. That distance does seem exorbitant. I wo...
