There is a good reason that dealing with Colonial Life Insurance Company is a lot like dealing with a Unum disability claim. The reason is that Colonial is a subsidiary of Unum.
Colonial sells both group disability insurance governed by ERISA and private disability insurance policies.
Colonial is not a small company as they have in excess of 3 million insurance policies in force and they service more than 65,000 businesses.
How Can Dell & Schaefer Help With A Colonial Disability Claim?
Our disability lawyers have handled numerous Colonial Disability claims from the initial application stage through the filing of a lawsuit.
Most disability claimants don’t realize it, but it is best to get a lawyer involved early with a disability claim rather than wait for a denial.
Since most Colonial policies are governed by ERISA, a claimant is required to submit an appeal before a lawsuit can be filed.
The claimant is usually given 180 days to submit a long-term disability appeal and sometimes a shorter period for a short term disability appeal. The appeal is very important as it is a claimant’s only opportunity to provide additional information in support of disability. Once the appeal period ends, a claimant cannot submit additional medical information.
Our lawyers work very closely with the claimant’s treating physicians and other medical experts in order to present a strong appeal. In additional, we will often work with a vocational expert in order to prove that the claimant cannot work in any occupation based upon his or her restrictions.
We encourage you to watch our video titled: Why is it important to have a disability attorney assist you with your ERISA Appeal?
We Want To Know What You Think About Colonial Life
We have created a forum on this page that allows Colonial Life claimants to publicly post their disability claim experience, complaints, or questions.
We fight every day to protect the rights of disability claimants, but there is a lot that can be learned from individuals sharing their experiences with others.
You can also learn more about Colonial by clicking here to go to our Unum Disability Claims page which contains additional videos, public comments, our resolved cases and discussions about recent disability insurance lawsuits and court decisions regarding Unum.
Contact us for a free consultation to discuss your claim. Visit our Facebook page for weekly updates related to disability insurance claims.