HM Life Insurance

Disability claimants are often seeking information regarding HM Life Insurance Company long term disability reviews. We have created a forum where insurers can post reviews and comments about HM Life Insurance Company short term and long term disability claims. Our attorneys respond to most comments posted by our visitors.

HM Insurance Group, Inc. provides group health-related insurance products for employers and healthcare providers in the United States. It offers employer stop loss and worksite advantage products, such as accident, critical illness, and disability income insurance products. The company’s administrative services include COBRA administration, employee/retiree administration, and administrative services only workers’ compensation. It also offers excess loss and reinsurance products.

HM Insurance Group, Inc. was formerly known as Highmark Life & Casualty Group, Inc. and changed its name to HM Insurance Group, Inc. in April 2006. The company was incorporated in 1990 and is based in Pittsburgh, Pennsylvania. HM Insurance Group, Inc. operates as a subsidiary of Highmark, Inc.

HM Insurance Group consists of HM Life Insurance Company, HM Life Insurance Company of New York, HM Benefits Administrators and Highmark Casualty Insurance Company.

Through its insurance companies, HM Insurance Group holds insurance licenses in 50 states and the District of Columbia.

The insurance companies of HM Insurance Group hold “Excellent” ratings from A.M. Best Company. HM Life Insurance Company and HM Life Insurance Company of New York are rated “A-.”

As disability insurance attorneys, Dell & Schaefer have represented clients with their long-term disability claims against HM Life Insurance Company. Disability Attorneys Dell & Schaefer have provided and offer the following legal services for disability claimants that have a long-term disability insurance policy or disability income policy purchased from HM Life Insurance Company:

Cases & Claim Tips (1)

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Questions About Hiring Us

Do you handle ERISA HM Life appeals?

If your disability income claim has been denied by HM Life and your disability income policy has been offered through your employer, then federal ERISA law requires you to file an appeal with HM Life. Our law firm has handled thousands of ERISA appeals against HM Life and we will prepare a very strong appeal on your behalf.

Do you help with HM Life applications?

The application for disability benefits with HM Life is the foundation of your claim. One mistake can result in your claim for disability insurance benefits being denied by HM Life. Our lawyers will guide you through the entire application process and make sure you are in the best possible position to have your claim approved by HM Life. We welcome you to contact our attorneys to discuss important information about applying for disability benefits with HM Life.

Do you file HM Life lawsuits?

If HM Life has denied all of your ERISA disability appeals, then you have the right to file a lawsuit in federal court against HM Life. An ERISA disability lawsuit is different than any other type of lawsuit and you should hire a attorney that has handled thousands of disability denial lawsuits against HM Life. Our disability insurance lawyers know what to expect with the challenges filing a federal lawsuit against HM Life.

Can you help with a HM Life disability Insurance denial?

We have helped thousands of individuals collect long term disability benefits from HM Life and we know the unreasonable denial tactics used by HM Life to deny disability insurance benefits. Our experienced attorneys know the many options available to get your disability benefits paid by HM Life.

Do you manage HM Life monthly claims?

Monthly disability insurance claim management is a unique service we offer. Our goal is to make sure your HM Life disability benefits continue for as long as you need them. Many claimants either don't trust or experience aggravation dealing with HM Life. Disability Insurance Attorneys Dell & Schaefer manages every aspect of your claim for disability income benefits from (HM Life. HM Life only interacts with our law firm. Contact Disability Insurance Attorneys Dell & Schaefer to learn how we can manage your disability claim.

Can you negotiate a HM Life lump sum buyout?

Lump sum buyouts and disability buyouts are occasionally offered by HM Life. Our disability lawyers have established relationships with the people at HM Life that make the decisions on disability buyouts. We have negotiated hundreds of lump settlements with HM Life. Our goal is to get you the highest buyout possible.

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Dell & Schaefer Client Reviews   *****

Patricia T. (Florida)

If you think the insurance company is going to be FAIR, you are WRONG! Get an attorney, I recommend Dell & Schaefer. They entered my life approximately 4 years ago. I was in the mid years of my life, moving along routinely finishing up my 29th year of continuous employment as a professional Acute Care Registered Nurse, looking ahead to planning my future and possibilities ahead of me. I had planned to work at least another 15 years and maybe more if I could. I was hitting the peak of my value in the health system that employed me and I loved my job. Income was never an issue for me, as in my profession I could always find work and make as much income as I needed raising a family etc… But just incase, my father always taught me to have a safety net. So every year for 29 years, around benefit time I would fill out the forms and check the boxes for STD and LTD and pay the monthly dues for those policies in case I would ever need them, never expecting to use them. Well life had other plans for me.

My illness began slowly, I made adjustments to my work schedule and life schedule hoping that would allow me to stay employed. I didn’t want to give up the money, my benefits, the years experience I had, the value I had to contribute etc… That lasted for about a year and half then suddenly my body just couldn’t do it anymore. My illness exacerbated, necessitating me to leave work. I went out on my STD policy and initially Aetna the carrier of the policy was cooperative and approved my claim. After several months when I didn’t improve my STD policy was over and it was time to begin my LTD. At this point Aetna suddenly switched and began to deny all my claims for the same illness they had previously approved. I was shocked and bewildered, I could not believe how Aetna could be doing such a thing. What was happening, how could they just say NO! This wasn’t fair, I paid into this for 29 years… and was lost as to what to do.

I did some research on line, and found out this was a common thing all insurers were doing to people who had these kind of policies. What a rip off I thought. Here I thought I had a safety net. I was so angry and realised I was disillusioned about this system and having a safety net. I sat and cried fluctuating between anger, sadness, worry, the gamut of feelings. What should I do I thought, I need help and help fast. I couldn’t live without income. I did some more research and found Dell & Schaefer, I went through their website reading all the information and decided I need to call them to see if they could help me. My illness was not listed as a common illness for disability approval.

When I called them, they put me through immediately to someone and took some information. Later that day an attorney called me back and went through my situation explaining to me all my options and that they could help me. I wasn’t ready to make a decision on the spot, so I told them I would call them back. I was skeptical because at this point I didn’t trust anyone for numerous reasons and felt like all the systems I had faith in were failing me. Is this going to be another rip off, I thought?

After thinking about it for a day or two and consulting friends and family, I nervously called back Dell & Schaefer and I told them my concerns, we talked some more they never pressured me. I reluctantly agreed, not because of something they said, it was my own issue with trust now clouding my decision. Reflecting back that was the best decision I ever made. My attorney in the firm was Alex Palamara, I dealt with him exclusively and he always called me back, emailed me and let me know what was happening promptly. Nothing was ever too small for him to answer and he had compassion when I would complain about how unfair Aetna was being with their denial of my case. And YES, they did deny, and are still trying to find ways to deny me to this day 4 years later. Through the hard work and timely action taking by the attorney my appeal was reversed and my claim continues to be approved with the help of the attorney. I no longer have random calls from Aetna asking me repetitive questions that I already answered numerous times and the firm continues to coordinate the yearly reviews with Aetna and my physicians. I faced another denial at the two year mark when the policy changes the definition of gainful employment. Yea isn’t that beauty they sneak into the policy that you have really don’t understand. Alex anticipated that fought that and I have had a seamless benefit check now for 4 straight years.

I will not give up my representation, as educated as I am, in no way am I versed in disability law and the new ways insurance companies try to get out of paying the policy we have paid our hard earned money into for a safety net. I know things will not be easy and I will have to fight to continue my benefits, having Dell & Schaefer gives me security that someone will be there fighting for me and my benefits. I can’t thank them enough, I find them to be prompt, compassionate, knowledgeable and very fair with their fees. If you are thinking about hiring an attorney for representation you will be pleased with this firm. As a side note, my last years of employment I worked for a large hospital system, my job was coordinating with the hospital, physicians and Insurance companies to make sure the hospital would get paid. Specifically, I worked on denials of patients inpatient hospital bills. The insurance company would deny claims for the most unbelievable reasons. They know some people will just give up and not fight, that’s what they are counting on. I didn’t think they would do the same thing with STD and LTD policies, I was wrong and naive. Do yourself a favour, HIRE an attorney immediately from the beginning, otherwise the carrier will jerk you around till you give up, and you may inadvertently say or fill out a form wrong or miss a date and boom you are denied. You will never get your benefit you paid into. Hire Dell & Schaefer.

***** 5 stars based on 202 reviews

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