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:

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FAQ

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   *****

Gary Z. (Ohio)

Steve and Danielle were so wonderful to me and my wife. We were so upset with our situation with Cigna and I called Dell & Schaefer and was transferred to Attorney Stephen Jessup. I can’t explain how he eased my mind. He was so professional and educated on the subject of disability insurance and made me comfortable that he would help me. Any time I had a question I could call or email them and they got right back to me. The friendliness and helpfulness was amazing. Steve Jessup helped me win my case and I can’t thank him and his company enough.

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