• Ohio National Disability Benefit Denial Options
  • Help From Attorneys for Ohio National Claims: Denials, Appeals & Lawsuits
  • Ohio National Life Insurance Company - A Disability Attorney's View

Ohio National

Ohio National Life Insurance Company can be a very difficult company to deal with if you are trying to get paid disability insurance benefits.

Our law firm has represented and currently represents numerous doctors and business professionals throughout the country with their Ohio National Disability claim. Our disability attorneys can help you any stage of your disability claim.

Most Ohio National disability policies are not governed by ERISA and the monthly benefit amounts are usually in excess of $7,500. The definitions of total disability and residual disability are usually favorable in an Ohio National Life policy, which is an advantage for a claimant. Some of the policies also pay lifetime benefits, which is rare in today’s market. Ohio National is a mid size insurance company, but the sale of disability insurance is not a large part of their revenues.

The Disability Claim Department At Ohio National Is Not Cooperative

From our experience it seems that the disability claims handling department at Ohio National contains a few employees and in recent years has experienced a fair amount of employee turnover.

Our lawyers have seen a pattern in which Ohio National will routinely hire the same doctor to review their disability claims. For example, in several of our cases, Ohio has hired Dr. James R. Hawkins, M.D., board certified in psychiatry and neurology to review the medical records of our clients. We have never seen a report generated by Dr. Hawkins in which he determined that our client was disabled. Dr. Hawkins also happens to be conveniently located in the same city as Ohio National’s headquarters.

Nine Examples of Ohio National’s Unreasonable Disability Claim Handling Tactics

Let’s take a look at the manner in which Ohio National conducted itself during the pendency of a claim in which we represented a family medicine doctor that was being paid total disability benefits for five years.

During Ohio’s attempts to deny benefits to our client, we made the following request to Ohio National and they were all denied:

  1. Refused to provides a copy of any field interview reports or recorded statements that were provided to Ohio National by our client;
  2. Refused to allow the disability claimant to videotape any of the four Compulsory Medical Exams (CME) requested by Ohio National;
  3. Refused to allow the Compulsory Medical Exam to be videotaped;
  4. Refused to allow the claimant to have an independent witness present at the CME EXAM with four different doctors the claimant had never met before;
  5. Refused to provide either the disability claimant or his treating physician’s with the Raw Data from the neuropsychological IME exam that Ohio required the claimant to attend;
  6. Refused to release copies of the CME exam reports to the disability claimant;
  7. Refused to provide proof of the malpractice liability insurance for the CME doctors that had been hired by Ohio National to exam the claimant. Ohio is obviously unaware of the extensive case law that states a CME doctor may have a duty to the disability claimant even in the absence of a formal relationship. There have been numerous lawsuits against CME doctors for injury caused to a claimant and failure to diagnosis;
  8. Refused to provide the claimant with copies of any documentation that the claimant had submitted to Ohio National over the past 5 years;
  9. Denied knowledge of a disabling medical condition which was submitted in multiple medical records to Ohio National more than 5 years ago.

Ohio National’s conduct speaks for itself. In the case discussed above, Ohio expects the claimant to give them everything they ask for, but they don’t have to share anything with the policyholder. Thankfully our client continues to be paid; however Ohio National clearly understands that should they deny disability benefits our disability lawyers will immediately sue to recover benefits, attorney fees, costs, and any potential bad faith damages.

Contact us for a free phone consultation if you would like assistance with your claim.

Cases & Claim Tips (4)

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Questions About Hiring Us

Do you handle ERISA Ohio National appeals?

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

Do you help with Ohio National applications?

The application for disability benefits with Ohio National is the foundation of your claim. One mistake can result in your claim for disability insurance benefits being denied by Ohio National. 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 Ohio National. We welcome you to contact our attorneys to discuss important information about applying for disability benefits with Ohio National.

Do you file Ohio National lawsuits?

If Ohio National has denied all of your ERISA disability appeals, then you have the right to file a lawsuit in federal court against Ohio National. 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 Ohio National. Our disability insurance lawyers know what to expect with the challenges filing a federal lawsuit against Ohio National.

Can you help with a Ohio National disability Insurance denial?

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

Do you manage Ohio National monthly claims?

Monthly disability insurance claim management is a unique service we offer. Our goal is to make sure your Ohio National disability benefits continue for as long as you need them. Many claimants either don't trust or experience aggravation dealing with Ohio National. Disability Insurance Attorneys Dell & Schaefer manages every aspect of your claim for disability income benefits from (Ohio National. Ohio National 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 Ohio National lump sum buyout?

Lump sum buyouts and disability buyouts are occasionally offered by Ohio National. Our disability lawyers have established relationships with the people at Ohio National that make the decisions on disability buyouts. We have negotiated hundreds of lump settlements with Ohio National. 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.

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I loved working with Steve! Not only was he professional and knowledgeable but he also was kind and compassionate and really made me feel like not only my case mattered but so did I. I can not say Thank you enough for all you did and also a special Thanks to Michal she was also very kind and always made time for me. God bless you both!

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