Ask Our Lawyers Your Disability Insurance Questions
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Showing 81–100 of 735 Answered Questions
Q: How do I get my Dr. to give Voya more info backing his claim?
A: Renae:Migraines are very challenging claims and it sounds like your doctor is frustrated. When we handle ...
Q: Prudential denied me STD due to a doctor who wrote personal things about me, like I still drive.
A: We are sorry to hear about your denial. Please contact us and we will review your denial letter. We can discus...
Q: Prudential is sending me to an IME but refuses to allow recording. Should I refuse to go to the IME?
A: Mike:This is always a tough situation. You cannot refuse to go. I would show up with a witness and a recor...
Q: Will Mass Mutual pay my disability claim if I become disabled while on unemployment?
A: LisaYour husband has a complicated fact pattern and you should call us to discuss the claim. You may still...
Q: Individual disability policy - mental disorder claim
A: Ron, it can certainly be an issue for the claim. However, as you noted, it can be somewhat common in a MH situ...
Q: NYL LTD also have LLC
A: LLC and LTD,If you receive active income, meaning its not considered passive investment income from the LLC ...
Q: Do I have an option after my appeal is denied?
A: Lauren:If your appeal is denied by MetLife then you have the option to file lawsuit in federal court.
Q: Can receiving a Unum group LTD benefit settlement lower my SSDI benefit?
A: Jeff,The acceptance of a Unum Lump Sum Buyout offer should not reduce your ssdi benefit. You should contact ...
Q: Can I submit my resignation while on STD with NY Life? I don’t know if I’ll be able to return when they want and I would rather give a 2 weeks notice.
A: Generally we do not recommend resigning from your job while on disability to avoid any potential issues with c...
Q: New York Life LTD offset my disabled adult child.
A: Yes, we have handled cases with fact patterns similar in nature. However, as you are in litigation already we ...
Q: What kind of jobs are suitable for ANY OCC when I am an OB/GYN?
A: Based on the information provided I would argue there would be no suitable "any occupation" position available...
Q: What is the Statute of Limitations on ERISA claims in the State of California?
A: The statute of limitation is governed by your policy and its usually 3 years. It’s not clear cut to determin...
Q: My LTD lady was telling me I need to start looking for a job, I am worried they are going to stop my benefits.
A: You should contact us to discuss your claim with United Healthcare. Your concerns are real, especially when th...
Q: I am receiving short term disability, the math doesn't add up. My company is basing my pay on 36 hrs per week? How should it be calculated?
A: Your STD policy will explain how the benefits are calculated. Request your policy from your employer.
Q: Disability company dropped my monthly benefits
A: Since you went back to work full time you would not qualify for further benefits. You could file a new claim i...
Q: The Hartford stopped monthly benefits for repayment due to an overpayment. Once monthly benefits end do I still have to repay remaining overpayment balance?
A: Yes, you will still be responsible for the overpayment even if your Hartford benefits end.
Q: If I am diagnosed with a condition 6 months into my policy, does this count as a "pre-existing condition" that won't ever be eligible for long term disability?
A: In most policies if you never had any treatment for the condition, or should not have known to get treatment s...
Q: I need help understanding what MMI means in my case. I also need help because I have also been diagnosed with PTSD related to my head injury from the same accident.
A: Rhonda, you have a complicated situation and we would need to review your STD/LTD coverage certificates before...
Q: Would I qualify for disability or other program following a planned layoff?
A: Robert, you can apply for and receive disability benefits under your employer’s group plan prior to your sch...
Q: Is my wife allowed to resign from her position without the resignation affecting her long-term disability benefits?
A: Mike, your wife’s resignation should not affect her LTD benefits so long as she remains disabled. However, i...
