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 61–80 of 735 Answered Questions
Q: Relocation
A: Thanh:Moving within the USA should not impact your claim. You must make sure that you continue with your m...
Q: On October 29 my policy changes to my own occupation to any occupation, not sure what that means?
A: Dingo,This is a complicated question as everything depends on the definition of any occupation in your pol...
Q: Is UNUM obligated to pay my children SSI amount with COLA increase to me after they turn 18 or the original award amount?
A: Once the SSDI benefits for your minor children stop then Unum should be responsible to continue paying you the...
Q: Can I win LTD benefits after a layoff?
A: The simple answer is, yes, a layoff can affect your ability to collect LTD benefits because it will likely aff...
Q: ER physician Unum mental health claim for 40 years
A: Physician, in all likelihood, there will never be a time that you will "no longer have to have on going care a...
Q: Ameritas Disability Claim Buyout?
A: Yes, we have negotiated buyouts for claimants covered under disability insurance policy with Ameritas in the p...
Q: Is it possible to write me a strict authorization form for The Hartford?
A: It would be best for you to tell Hartford to send you a release for any specific items that they want. You can...
Q: Do I Need a Lawyer for the Any Occupations Change?
A: Great question. You need to provide the disability company with all medical information that supports your cla...
Q: Can they offset my ltd by my whole ss retirement payment?
A: Lisa:Unfortunately it is legal for your disability company to offset your Social Security Retirement Bene...
Q: Requesting a Copy of my LTD ERISA Policy from UNUM
A: Whatever policy is in effect at the time of your disability is the one that applies.
Q: Who is responsible for activating the Waiver of Premium Due to disability? Me? or My employer or the insurance company.
A: The insurance company should activate it once your disability claim is approved.
Q: LTD return to work? What if I require training or want to continue education, will I continue to receive payment during this period?
A: If you are still unable to perform the material duties of your occupation or any occupation then yes you shoul...
Q: What if I never received longterm policy and I never agreed or signed agreement fee with disability insurance company?
A: Erica:The repayment of government benefits such as ssdi or state disability benefits is allowed if your po...
Q: Am I able to collect disability or SSI?
A: Steve: Do you have disability coverage through an individual or employer provided group plan? Even if you do n...
Q: Denied by Hartford for Long-Term Disability Benefits
A: Darlene: You certainly want to appeal their denial. I suggest you contact our office and speak with one of the...
Q: Do the new Social Security work history rules make a difference with my any job LTD denial?
A: Leo: Private insurance carriers are not required to consider SSA rules/regulations. This does not mean, howeve...
Q: I want to invest in a property. Is there a chance that I could lose my disability benefits?
A: Charlesee: Generally speaking, real estate investment should not impact your disability claim. That said, if t...
Q: Unable to Work Due to My Mental Health
A: Maryann: We would need to see the denial letter(s) to understand the basis for the Carrier’s denial(s). I su...
Q: I made a Short term disability claim with Prudential but they right away went to consider long term disability
A: Nick: Depending on the timing of when you filed the STD claim, the Elimination period for the LTD may have alr...
Q: I am now concerned if I am not able to return to work after 6 months Unum will stop paying me.
A: Unum will review your medical records and likely focus on the progress of your surgery recovery. It is importa...
