Sitemap QUESTIONS Do I have to pay back LTD after receiving SSDI? Long Term Disability with Hartford - They are Stopping my Disability Benefits If not the SPD, what document contains the official documentation for my benefits? My group long term disability insurance allows me to work part time up to 20% of my pre-disability earnings without affecting my benefit. If I take advantage of this, will Unum use this to deny my benefit? Does the reviewing physician (the doc hired by the insurance company) have to be licensed to practice medicine in the state where the claimant resides? Do you work with NC State Teachers Long term disability claims? Using the policy date to cancel disability benefits 3.5 months premature to insureds 65th birthday Do you take Group Disability cases? LTD payment adjustment for cost of living? Retirement SS or Disabilty? If you get MRI on your back does that count as pre existing condition for back injury 8 months later? Wrongfully terminate my LTD claim, AND take my qrtly bonus....? Do I have a case for permanent disability? Do I have to pay Metlife all the money I got from them? I pay for extra disability pay but they won’t give it to me claiming comp benefits? Can I sue Unum for financial stress and emotional stress? Denied short term disability and need to file for long term with same insurer Disability claim - Terminated from job next day after asking for help due to disability Can NYLG just stop payment? What type of occupational related documentation is requested by the individual carriers when a salesperson files a claim? Phi violation Am I required to file for Social Security family/dependent benefits if I don't want to? Sedgwick denied my STD appeal, is there anything I can do to get my money back? Can I live outside of the United States and collect long-term disability insurance benefits under my individual or group long-term disability insurance policy? I just read attorney Cesar Gavidia blog and have some questions How can I mount a successful appeal to a denial of coverage under my employer's Insurance carriers EOI review for Long Term Disability. Or is it a losing battle? How can I avoid multiple offsets of my private DI policies by my SSDI amount? Why is Hartford asking for reimbursement? Bipolar on STD Hartford is LTD Knee replacement surgery - Short term disability denial What can I do about my long term benefits that's ending after 2 years? Where can I find a list of the definitions for an occupation on your website? MetLife: Mental Health and Physical Disabilities Symetra STD and LTD appeals process Unum discontinued the "long term Buy out option" in 2014. I was never aware of or informed of this action by Unum Non-taxable benefits have become taxable Can I lose my payment benefits if I invest in the stock market while disabled? I accepted and deposited a lump sum long term disability payment installment for underpayment from Guardian. Can they ask for money back if I try to work again? I was denied by Unum twice. What can I do? Mass Mutual Disability Insurance - Own Occupation Rider, for Dentist vs Other insurance Carrier Can I sue my disability company for causing me to get fired from job? Can my employer switch my job because I go on LTD? Can Principal deduct my social security payment from my monthly Principal disability benefit payment? Can I get both short term disability and work comp? Which state statutes apply: the state the insured resides in or the state where the disability policy was purchased? Do I have to sign the overly broad "AUTHORIZATION TO OBTAIN AND DISCLOSE INFORMATION" form from The Hartford LTD insurance company? My mother paid many years for a long-term care policy. When she had to be put in an assisted care facility, Prudential won't pay. Do you accept cases like this? I have submitted my application for long term disability to Mass Mutual and I want to know how long it should take them to make a decision? Why can Cigna get away with not paying me anything for my disability? Will Reliance Standard reduce my LTD payments due to my pension benefits or rental income? If I return to work only part time and decide I can't continue, will Lincoln Financial base my income on when I worked part time or full time? Do I have to be an active employee to apply for LTD? Can MetLife deduct the ssdi benefits I receive for my dependent kids from what they pay me? How Often Does Hartford Review My Disability Claim? Does Lincoln Financial apply offsets to all claimants equitably? Can Cigna refuse to give me a copy of my short term disability policy? Does payback to Lincoln Financial, once approved for SSDI, include the first year? Is LF's doctor, who never spoke with me or evaluated me, allowed to clear me for work? Who are the top companies you would recommend for a surgical specialist? Is child support arrears considered an income offset for Principal LTD? What can I do if Unum didn't pay for my injury? Can Prudential deny me if SSDI approves me? How do I ensure Standard makes a timely decision with regard to my claim? Is MetLife entitled to overpayment if they realized 15 years later? Can Unum threaten for fire me at the end of FMLA's 12 week time period? Can Unum deny my benefits if my company does not offer the work Unum thinks I'm eligible to do? I have Unum disability insurance and they are asking me to speak with them on the phone before I even submit my application. Do I need to speak with them? Do I have to sign and return MetLife's authorization to disclose my info in order to continue my claim? Is my plan governed by ERISA? Why can my employer hold my disability check after The Standard sends it to them? Can I file a grievance with them? Can LF discontinue my mental health benefits after 24 months? Can Aetna deny my application on the basis of pre-exisiting condition? Do they discriminate against the mentally ill? Do you work on a percentage, hourly, or lump sum basis? How much does hiring an attorney cost? Why did Principal not back me when Social Security did? How long does MetLife have to render a decision on my application for benefits? What is the difference between time period of the claim while approved and the time period of the claim while denied? Do you help with negotiating lump sum settlements of policies? I want to have a lawyer represent me with my application for disability benefits but I am wondering if this could be a disadvantage for me in getting approved? Is it too late to file a claim 8 years later? Why is Reliance Standard trying to recover payments I was awarded through another company? How does Prudential calculate attorney fees? Is the policy that was acquired by Hartford from Aetna still the same policy? Does Hartford have a right to recover over payments made by Aetna? Will Principal harass me if I don't accept their buyout? And, is it standard for a buyout to be lower than the full benefit paid over time? Can I ask for another appeal? Do I have to provide additional proof of my disability that's specifically requested by Reliance Standard? Should I contact you before submitting my application for a private disability benefit? Can Lincoln Financial deny a total disability claim approved by a federal judge? Can I get a lump sum payout instead of fighting with them for the next 9 years? Is it possible to file for LTF for mental health (burn out) reasons? How Does Guardian Calcualutate my Long Term Disability Benefit? How long do I have to file my Guardian disability appeal? Do I have to tell Lincoln Financial that I was denied for SSDI? Can I sue my PRUDENTIAL LTD for the cost of hiring a disability attorney to get my benefits reinstated? I found out about my STD policy 120 days late. Can I do anything? Does my former employer owe me STD that he refused to pay earlier? Can MetLife cut my monthly benefits by my benefits received from social security? Will MetLife set me up on a payment plan if I have already spent my back pay from SSDI? Can they arrest me? Can I collect Social Security and Work Part-Time? Can MetLife remove my LTD claim from their web site? If MetLife denied my statement due to Crohn's Disease and then I get hurt for a completely different reason, can I still be covered? How large of a fee is your service? Can SunLife offset dependent social security benefits received on account of my wife's disability? What do I do if LF denied my claim because depression is "mild, not severe"? If the insurance company admits to wrongfully stopping payments, do they owe me for those years? What if social security back paid me? How long will it take for MetLife to approve my LTD claim? Are there successful arguments to appeal Northwestern Mutual’s offset of claimant’s LTB by the amount of SSD benefits awarded? Does my former employee owe me for the remaining weeks of my STD? Can I add a physical disability claim to my mental health one without seeing a doctor (hard to get an appointment with COVID)? Can Lincoln Financial hold back disability check equal to the amount of the 2020 stimulus check? Has Hartford been known to pay off doctors? I'm in jeopardy of losing everything because of MOO. Can you help? Can my Long Term Disability extension be declined because my Social Security Appeal’s Process is pending? Do I have to pay back my STD and LTD after being approved for Widows SSD? Do you handle CIGNA cases in Florida? Do I have legal recourse if Lincoln Financial mispoke to me about the status of my claim? Can I take action to start getting regular payments from Unum? Can a chiropractor fill out the APS for The Hartford LTD claim? Before I present my appeal, can I acquire exams and conduct an IME on my own (to avoid bribery/bias from Hartford)? Can Met Life legally require notes from therapy sessions? Do I need to be completely out of work to file for disability? Can I claim a permanent disability to avoid a surgery that requires several months of down time without promising results? Is it best to hire an attorney first and then file a complaint with Indiana Insurance License Board or do both? How long does it usually take to resolve a case like this? Can I get a lawyer to get the back pay Hartford still owes me? Can I fire Allsup and owe them nothing? How many IMEs can Hartford make you go through? Will telling MetLife my income make me ineligable for the premium waiver program? Why does Northwestern ask the questions they do in the "Request for Continuation of Disability Benefits" form? How can Cigna get away with not answering my calls? Do I still need to fill out Guardian claim forms if I am eligible for Presumptive Total Disability? What does Unum mean by "treatment provider"? Why is Unum requesting updates to my SSDI file? Will they use it against me? Also, do I have to meet with them in person? Do you handle closed cases only, or open ones as well? Can Principal's independent physician determine what I can and cannot do? Can MetLife determine that I am capable of earning over the % of my pre disability income required to receive LTD benefits? Can Hartford cut off my benefits after 24 months if I have both a mental condition both a mental and physical condition? Are there any circumstances in which I can appeal LTD after the number of days Aetna gives you to appeal? How do I access a copy of my STD policy with Reliance Standard? Is it possible to be approved for state disability but not by my insurance company? Would it be better to continue to receive benefits from Lincoln Financial or should I seek a buyout? Which Own Occupation insurance company has the best history of paying for legitimate disability claims? Does SunLife have a required time to make a decision? Can they request medical records that have nothing to do with my illness? Can I file an appeal after Met Life's 24 month limitation of payments if I am still in the discovery phrase of my disability? Can LFG continue claiming I have a pre-existing condition when my doctor says I don't? Can Aetna deny my claim due to a "war exclusion" on my policy? Since I live in an apartment, are the common lounge and meeting spaces considered in-home (for my interview)? Can I lose my Hartford benefits if I also receive an annuity payment? What kind of documents I should present to the Disability claim of Licoln financial so I can get paid for the days my company put me out of work? What do I do if Aetna claims they haven't received my medical info? Can MOO deny my claim on the basis of preexisting condition when my condition is not preexisting? How can Aetna say I am not disabled when clearly I am? My policy ends after age 65, but I'm not retiring until almost 2 years later. Can I challenge this? What should my next step be after Cigna tells me I am not entitled to my life insurance or waiver of premium? What is my "regular occupation" if I started my own business after resigning from my old job? Will Lincoln Financial deny my appeal because they have taken so long to form a decision? Can Lincoln deny me because of my prior cancer diagnosis? Does Lincoln Financial offer lump sum settlements? Is a normal pregnancy and childbrith covered as a Sickness if my elimination period is 90 days? Can Guardian make me file taxes on a non-taxable insurance? Can Prudential offset my SSDI payment from my LTD payments Can I deny an interview with Unum? Why does Hartford want my bank records? Is it safe to give MetLife access to my Social Security file? What happens if a policy doesn't mention something I believe I had and paid for (COLA)? If I'm not receiving the SSDI benefits for my children from Reliance Standard due to custody, should my SSDI benefits increase? Can The Hartford inclue my son's dependent benefits in my husbands backpay? Can SunLife deny me on the basis on a preexisting condition Am I able to work part time at a different job that is nothing like the one I was at when I was injured? Can I sue SunLife if I signed a Settlement & Release Agreement? Is there a limit on the number of times Cigna can send me a IME? Also, what is a fair percentage for a buy out? Is there any case law in which a state government employee LTD plan decided to drop the 24 month mental health limitation? Has there been any success against a state government and Standard using ADA Title I (employee) and 3 (insurance company) from a discrimination basis? Will receiving my disability retirement in a lump sum affect my payments? Does Guardian reduce the qualifying income when an STD becomes a LTD? What exactly does Northwestern mean by "not gainfully employed in any occupation"? Where does PTSD fall in to my Guardian LTD? How can Standard deny my claim and expect me to work when I am disabled? What amount is CIGNA obligated to provided after dependent benefits end? Are you familiar with the difference between Berkshire’s Enhanced and Basic residual contract language and how material the language difference could be at claim time? What is your fee to cover my Hartford claim? Can I still get my short term disability benefits if I'm terminated? Can Hartford force me to return to work if I have been approved by SSDI? Could I sue MetLife 4 years after my denial? Can I sue SunLife for pain and suffering? Can MassMutual deny my claim based on a pre-existing condition? How can Reliance Standard not coordinate with both of my disability insurance policies? I'm waiting to hear back about my appeal. Should I hire an attorney? Can Metlife force me back to work part time if my doctors are saying NO? Is there a way I can get out of allowing Genex and Unum to contact SS? Can MetLife request a second IME if I already have one that agreed with my dr's? Why is NVM reviewing my claim when my condition hasn't changed? Is it strange that they requested an in-person review? Can Cigna refuse to start my payments again, claiming my case was closed? Is it reasonable for Unum to settle for 25% to avoid an ERISA case? Do I have to pay Principal back once I receive back pay from SSA? Is the 2nd appeal process worth it or a waste of my time? I filed an appeal and lost. Is it worth pursuing? Is it likely that I can prove discrimination of coverage for mental health defects? How do I show Unum a C-section has a standard 8 week (not 6 week) recovery? Can Guardian deny benefits after "own occupation" period? Is it true that Hartford cannot use my stepchildren's SSDI payments as an offset? Should I be worried that SunLife is trying to deny my claim by making it seem like I have a mental disorder? Can they deny my claim if I refuse to undergo this needless psychiatric assessment? Can MetLife request a printout of every payment from SSDI? Can Standard pull my Social Security benefits from my checking account without my written knowledge? Can I make a claim against Unum for not paying me for years? Would MetLife consider a buy out if my condition is idopathic and I have several years left on the disability I received through work? What kind of information to be used to support my Fibromyalgia claim when there are no tests/measurements to show how much pain and fatigue I am limited by? If SSA deems me to no longer be disabled, can Standard conduct a review? Does moving affect my disability case? Does MetLife have the right to seek repayment 20 years later? Can I use whichever SSDI attorney or I have to use GenX? Can I get a lump sum check from MOO? How does Lincoln Financial calculate their lump sum payouts? Is this an option I should even think about? How can I get Reliance Standard to pay me the full amount of my withheld SSDI benefits? Should the money I used to hire a lawyer be taxable? Am I allowed to contact Social Security directly or does the attorney have to contact them? Can MetLife use a pension from a previous employer (not the employer the DI policy is received from) as an offset to reduce my benefit? What is clinical review? And what are my chances of getting continual approval during the own occupation period? Can Principal take away my deceased husband's 3 month survivor benefit? They justified it saying he was eligible for SSDI when he didn't even apply Have you had any instances where, for example, Prudential requests another 45 days but you file suit because the only special circumstance is that they waited until closer to the 45 day deadline to start looking over an appeal? What do I do if my short term ran out and Cigna closed my case? Can MetLife decline my claim on the basis on a pre-existing condition? If they do, will I be in a mess with my employer? Who is responsible for providing a copy of my policy? Should I be able to restrict the release of medical records to under 24 months period? Are there things that can be done proactively to ensure that LFG's 2 year evaluation does not disqualify an insured? Is 67 the maximum benefit period for my disability insurance policy? Will signing a separation aggreement affect my LTD payments from the carrier? Should I get an attorney if Hartford hasn't responded to my settlement demand? How long is the Elimination Period when switching from STD to LTD? Is 6 month reporting normal? What can I do to stop Aetna from harassing me and realize that not all disabilities are the same? Should I write an appeal letter? What should it include? How can I find out what Principal Life Group's definition of disabled is? What is the difference between long-term disability and life insurance disability? What can I do to make SunLife expedite my claim? Is it OK if I file for Social Security benefits while I am waiting? Can I sue for bad faith under ERISA? Since I've been denied SSD will MetLife cancel my benefits (even though dr says I can only work very limited hours)? I bought a policy that LFG says I was illegible for. They never told me or my employer this. Do I have a case? Does Lincoln have a right to repayment if I am approved for social security disability? Can Aetna deny my claim for STD due to pregnancy because it was preexisting? Can Prudential reduce DSSDI from my check even if my children are not living with me? Does Mutual of Omaha offer buyouts? Does the 180 day countdown (to appeal) start when they tell me I'll receive 24 month of benefits or when they actually cut me off? Is it legal for Principal to take away my benefits if my doctor says I cannot work? Can I sue Aetna for the pain and suffering they've caused me? Does Prudential offer lump sum buyouts? Can I move out of the country and work elsewhere and still receive payments? Can SunLife refuse to provide me with their review information? Is my claim worth appealing? Do you still handle UNUM denial after some LTD cases? My child is over 18 and directly received part of my payment from my SSD benefits, can Reliance Standard claim that as part of the overpayment? How does SunLife treat workmen comp? My company's disability plan was outsourced to Lincoln Financial, but shouldn't the FMLA process be the same as before? If my wife applies for early SSA retirement due to the fact that I am on SSDI, will the Standard offset my payments by her SSA amount? Should I hire a lawyer for my appeal? Is it legal for Prudential reps to call me from home with kids and people in the background to discuss my personal info? Am I being taxed for benefits they are not paying me? Would I be entitled to a refund from Unum if I was denied and fired from my job? Is it bad practice for Unum to deny a claim because my wide was on disability prior to getting the life insurance policy? We've been paying on the policy for a year Why is Hartford asking me if I have a lawyer? Is Principal offering me life insurance at no cost to affect my LTD? Can I resubmit my case if my 6 month clause expired? How long is a reasonable time to ask for a buy out? If I get my LTD through Met Life and then get approved on my SSD 5 months later do I still have to pay met life back even thought I could not file for SSD for the 5 months by SS regulations? Can Aetna exercise a 45 day extender to render a decision on my appeal? Can Principal deny me for something that has nothing to do with my preexisting condition? Is it a good idea to get a lump sum from Unum? Can Metlife stop paying my LTD? Woud I have any legal recourse? How long is the ERISA disability policy statue of limitatation? Can I re-establish my yearly option to upgrade Guardian disability insurance? Prudential's doctor said I wasn't disabled when several others said I was. Can they reuse this doctor to terminate me months later? Why did Cigna close my case without telling me? What should I do if my company can't accomade an option for me to work remotely? Can LFG refuse to send me a copy of my policy? What do I do if they deny on basis of pre-existing condition? Can Unum deny me on the basis of a preexisting condition? Are lottery benefits considered earned income? Why is Aetna taking so long to review my claim? Do I have to go back to work while waiting for SunLife's reply to my appeal? Can my employer terminate my employment while I am still waiting? With 20 years still left on my approval, can MetLife do a lump sum buyout? Can I work a minimum wage job and still receive my long-term benefits? Is it legal for MetLife to change the definition of disability? Is Aetna following me or is it SS? How likely is it that Guardian will agree to a payment plan for an overpayment of benefits? Will they demand the full amount be paid back immediately? Can I sue Prudential for ruining my life? Should I ask SSDI about Cigna's surveillance? Can Lincoln Financial offset my LTD benefits by not only my SS payments but my ex-wife's as well? How can Cigna claim I have a preexisting condition when they have all of my medical records? Does an in-home interview mean I will get denied? Do I have a case for STD? I was denied twice because a) I hadn't been a fulltime employee for 6 months and b) I had ben on FMLA since February. How can The Standard's doctors be justified in coming to a different opinion that my qualified doctor? Does Lincoln negotiate lump sum settlements? Could I get a buy out from Unum? Can Hartford tell my doctor I shouldn't be present when he fills out their paperwork? Can LFG force me to look for work since SSDI has approved me? Can they deny the benefits I have left to age 65? Can I refuse to sign NWM's authoritization form? My doctor won't fill out a capacity questionnaire, and Prudential won't accept my PT doing it. What can I do? Will my benefits be affected if I get married? How can UNUM’s dr.s make a judgement having never seeing me? What do I do if Aetna says I'm not enrolled in their disability policies? Is it legal and is there any way I can get lump sum settlement for my LTD policy? Can Sun Life discontinue my claim for not using the advocator group? Will MetLife consider my active duty military persion and my VA disability pension as offsets and deduct them from a pending award for group LTD policy? Does Guardian not have to pay long term diss if I receives social security diss? Is it uncommon for a carrier to treat TBI as a mental health condition? Why do allsups get paid more than an SSDI attorney? Will Hartford deny my benefits if I was denied for SSD? Also, if Hartford has to pay 2 years unless my husband can work a job similar to his old one, will they try to make him work a less demanding job and pay the difference or will he not work for 2 years? I can perform my job functions, but I can't get to work due to my disability. Can MetLife force me back to work? Why has Aetna denied my LTD claim I am objectively disabled? If I am approved for VA Disability compensation, will that amount be deducted from my short term payment amount? Why is MOO trying to switch my STD to LTD after only 6 months when my policy lasts for 24? Is it true that I can't go on STD again for the same reason as last time? Can I deny SunLife's request to have their doctor examine me? Can a Prudential doctor change my doctor's restrictions? Does Obama care apply to pre-existing conditions in disability insurance policies? Do you have an email for contacting Sunlife? Are there rights to punitive damages under ERISA? Can Aetna use supplemental insurance as an offset? Are they entitled to reimbursement should I be approved by social security diability? Is 1 year too late to add new disagnoses to my case? If it's not too late, would they be given the same amount of time payable as stated in my LTD paperwork? Who can I call if my Cigna Rep. won't answer? What does it mean if my Life Insurance has been terminated because they didn't receive sufficient medical information? Does this affect my LTD payments? It's been a year and Prudential hasn't asked for a review. What can I do to go him approved? What is the deadline to file an appeal with Cigna? Should I file an appeal if Guardian denied STD due to a preexisting condition that is not actually preexisting? If I drop the SSI Disability case, will Unum accept that I have been denied twice or will they make me pursue it? If I decide to cancel my Disability case will I be able to get on Medicare? Can Reliance Standard reduce my benefits due to income coming from worker's compensation? Can Reliance Standard offset a settlement against my disability benefits? Can Unum deduct any SSDI that my children receive? Will my benefits continue until age 65 if I'm not returning to work? Will this change if I'm granted permanent disability through social security? Will my benefits change if I am granted social security benefits? Should I hire a lawyer if Unum if demanding overpayment from SSD when we didn't want SSD in the first place? How long does it take after your court hearing date to hear something? Can the Standard claim I am only entitled to one independent review? How can I appeal Cigna's decision if there are no written communications explanation the reasons for claim termination? Can I reopen my short term that Unum denied? Why would Principal call about a procedure that has nothing to do with why I am receiving LTD benefits? Can Unum discontinue my benefits if I refuse to apply for RR benefits? What can I do if Unum will make me subject to a pre-exisitng confition review if I don't return to work when they want me to? What can I legally do if Aetna isn't paying me? I'm tired of the run around Is there a process for appeals not being responded to in the time given? Also, how do I access my records? Do you handle cases for Aetna employees in Georgia? Why would Hartford's clinical manager call me? Can Principal send their doctor to evaluate me? What can I do if Aetna keeps denying my claim? Does UNUM need to see an ever worsening series of physician reports to keep approving? What should I do if I'm not contacted once my 90 day waiting period ends? Do I have to report alternative sources of passive income to Reliance Standard? Can UNUM characterize my deceased husband's retirement income as overpayment to cut MY benefits? Reliance Standard recommended Advocator, do I have to pay their fee out of pocket? If Hartford denies your coverage, do they share their findings with SSD so they also may take your name off their rolls? Is it worth is to go to court over $2500? How long will it take Cigna to get back to me? Will my military retiree pay be held against my policy 60%? Will Cigna exploit the disparity in the medical community over my illness? Can I still fight UNUM for denying my STD and LTD? If I was approved for LTD through LFG but haven’t gotten a check yet, can I get a buyout to avoid drama with them? Will my LTD payments be offset by my ex husband's Railroad Retirement Tier 2 benefits? Why does my husband's Guardian policy not pay for elimination period while mine does? Can Principal request 10 years of my medical history and 5 years of tax information? If I have LTD through UNUM, can I move out of state? Who is responsible for providing a copy of my policy? And do I have to give Guardian all of the back pay if approved for SSDI to offset payments already made? Am I responsible for the repayment of any applicable overpayent on account of SSDI for any period of time that Prudential does pay? Should I hire my own lawyer or use Guardian's advocator group? How frequently can MetLife request an IME? What is the appeal process? How can I get a copy of my policy? Unum's surveillance was wrong, but I got denied. What can I do? What is Hartford's typical M.O.? What should I do if Hartford changes their policy to terminate my LTD? Unum wants me to give them my SSA money for a month I didn’t receive it. Do I have recourse? Can MetLife reduce my husband's benefit if I am receiving benefits on my own award of SSDI? Was Unum right to stop my disability at age 65? Can Mutual of Omaha review my doctor records again because it's only been 1 year since my policy? Can they ask for my SS number and employer ID? Can SunLife legally make me pay more than the max representatives can hold? Why does Guardian frequently send me to a FCE, and why do they retain Genex? Are there rights to damages outside unpaid benefits? Whose responsibility is it to show proof of disability? Can I still make a claim STD through MOO if I'm getting paid for my time off of work? Can MetLife deduct money I withdraw from my IRA for additional income? What do I do if Aetna says they aren't receiving my medical records? Can MetLife deny my LTD claim in the final stage of getting approved? Should I let MetLife handle my SSI or should I sign up myself? Why is Lincoln Financial saying they are due my entire SS disability payment in order to decide what to pay me? Do I have to allow Unum access to my SSA file? Do I have any options to void an agreement I signed? Can Signa offset my SSDI benefits? How does Reliance Standard classify a stroke? Are my state based disability benefits subject to offset? Can I sue Cigna even if they do end up paying me? Do I have to sign Prudential's release? If I could draw my regular Social Security and dismiss SunLife, would I still owe them? Can Cigna deny me for not attending a visit with their doctor? How long can Mutual of Omaha wait to render a decision? Is there a time limit for Standard to render a decision? What should I do when my employer refuses to prove me short term or long term plan documents? My group LTD policy goes through payroll deduction, but my income does not fluctuate. How should I proceed? Should I be concerned about Unum denying my coverage after sending them extensive medical records? Can I move to the USA and still get my Standard Life disability payments? Can I file a state and/or federal complain against Unum for giving me the run around? If not, what's my best option? Can I advise Cigna to stop making payments if I intend to return to work? What should I do if Unum wants to cut my mental health benefits after 2 years? Is Principal entitled to seek payment of the portion of SSDI paid to my attorney? Will they stop paying me when I get my first Social Security check? How do I know what Cigna considers an earnings qualifier for an “any occupation” occupation? Can Cigna force me to use Advantage 2000? Do you have anyone you recommend in the UK? Can NWM rescind my policy because I forgot to disclose an illness I had 20 years ago? Do I have to sign their release to access everything about me? Do I have to return to work despite my issues if I can still appeal the denial? Will Prudential conduct a review of my claim after I've been denied by SSA? Can I sue Unum for emotional distress while my appeal plays out? Am I eligible for LTD without surgey? I just have medications and fatigue Can Cigna offset my SSDI benefits? Can I file another appeal 1 year later if I find new evidence? Can I still get compensation from Unum if my claim is not a disability claim? Should I contact Cigna to ask for something in writing to have it on record? Will Hartford accept my payment arrangment? Will this cancel my LTD benefits? Does purchasing coverage automatically entitle me to benefits? What is the next step after Unum denies my appeal? Do they usually settle with a lump sum or continue monthly payment? Is it normal for LFG to ask for excessive amounts of paperword and not grant me STD benefits for over a month? How do I get a copy of my IME report from Principal? Can Prudential reduce their burden in an ERISA LTD policy for the sale of private investments (stocks/shares etc.) that have nothing to do with employment or wages of any kind? Do I only get one appeal with Prudential? Do I have recourse for a STD denial? Who is responsible for giving me an accounting of the overpayment owned? Can I negotiate the amount of repayment? Are anxiety and depression considered disabilities? If so, what is the likelihood of winning a claim, and should I have an attorney handle it? Do I have to sign SunLife's Social Security Consent Form? How many extensions is Prudential allowed to request before they make a decision? How can Cigna use SSDI as an offset yet not accept me as disabled? Can I still get insurance benefits if Cigna denied my claim because I coouldn't give them the exact confirmation date of my pregnancy before the cutoff? What do I do if Cigna keeps denying my claim? Does Principal use private investigators to conduct surveillance as part of the review of my claim? What can I do if all of my appeals have been exhausted? What is the difference between having your case closed versus one that’s denied? If I attempt to return to work with restrictions due to injury and am still in pain, how do I handle my claim with Reliance Standard? Is Unum a third administrator for major companies? What should I do if Aetna denied my claim based on a social media post they saw? Can Mass Mutual deny my claim due to an issue not included in my physician's formal diagnosis? Is It common practice for Standard to not return my calls? Should I hire an attorney? Should I add my physical illnesses to my exsisting STD claim or file a new claim? Is it capricious if another person's medical information was included in my file and likely used in the determination denial? Would Cigna be liable for other other damages or does ERISA insulate them? Can I sue Mutual of Omaha? Can employer provided policies contain provisions that allow them to reduce the amount they have to pay based upon source of "other income"? Are retirement benefits from a previous employer considered a source of other income subject to offset? Will filing a lawsuit against Standard work in my favor? I want to sue Aetna for all that they have put me through. What are my options? Since I started receiving SSD before LTD started can they legally reduce my LTD? Should my wife attend Cigna's Rehabilitation evaluation? Aetna denied my claim because it was due to work related stress. Can I appeal? Why is Aetna requesting an IME? How should I handle it? Can Aetna request monthly information? Is it not my right to have a copy of my own medical records if I request it? Why can Cigna go against their rule that states if a claimant becomes totally disabled due to a pre-existing condition after the LTD policy with Cigna has been in force for 12 months, they will waive the pre-existing condition exclusion concerning payment of benefits? Is it true that Canadian insurance companies can't limit mental issues to 2 years? When a person is dealing with multiple insurers and needs monthly assistance, does your firm provide this service for a certain percentage of the monthly payment? Unum denied me on basis of preexisting condition and also didn't pay me for 2 years. Can I sue? Is Unum responsible for providing my claim file? How do I move the process along? What should I do if Prudential's denial letter has several mistakes in in? Can I suggest a buyout? Will that create a problem? Will receiving a settlement from a personal injury affect my monthly Unum Disability? I have been on LTD benefits for 3 years, but Cina wants an FCE. What should I expect? Do I hire a lawyer? Can I prevent Cigna from offsetting my benefits by the amount I receive from social security? Can you explain why NWM is still paying me while my claim is being reviewed? They said if they don't approve it, their accomodation payment is not owed back to them. Can I get a lump sum buyout? Should I hire an attorney? Can Aetna ask me for medical records I they are authorized to get them from my doctor? Why are they asking for records from years ago? What can I do to speed this process up? How will my social security benefits from retirement affect my LTD with Lincoln Financial? Can I appeal on the basis or parity? Also, what do I do if Cigna has not sent me a written explanation for my reduction in benefits? Can Reliance Standard use my son's benefits as offset after the initial offset for SSDI? Why is Hartford coming to my home, and can I request to meet somewhere else? Can Unum offset my benefits if I receive SSD? Can Cigna deny my claim even after approving the same one a year ago? Why is Hartford sending me an IME only 1 year into my LTD? Am I required to go to an IME that Lincoln Financial wants me to attend? Does MetLife need my social security medical records for my long term disability claim? Why is Cigna doing a "voluntary review" under a state of federal suit? How do I negotiate to keep some of Unum's SSDI back-pay checks? Why is Principal investigating my claim 9 years later? Cigna only sens me a monthly check for the amount offset and refuses to apply my full monthly benefit amount to my claim. How do I fix this? Also, how do I obtain a copy of my policy? Does UNUM ever deny extension of benefits due to pregnancy or on the other side would my pregnancy be considered a medical condition where they could potentially extend my benefits due to being pregnant? Should I hire an attorney now or wait until after my appeal is answered? Can Prudential discontinue benefits because my doctor hasn’t responded fast enough? Does Unum have a timeline of when they must approve or deny a STD claim? Should I be entitled to more money from my survivor benefits through Reliance Standard? Will Unum stop my benefits if I fail to apply for SSDI benefits? Can I terminate my claim voluntarily? Does Berkshire offer lump sum buyouts of uncontested disability claims? Is it illegal for Unum to consider every source of income as income except Vetern's Affairs Benefit Compensation? My company sent me to a LCSW, but MetLife doesn't think she is a qualified practioner, so they won't look at the claim. What do I do? I was promised benefits until 66, but Hartford wants to cut them a year early? What do I do? Will I get denied due to fact I can’t afford my surgery until I get Medicare in a year? Is Unum allowed to request my entire SS file? Do I meet the criteria for claiming disability if I have MS? Am I still eligible for benefits if I resigned from my position without having filed a claim under the policy? Is it legal for Hartford to set up surveillance outside of my house? Can I file for SSDI while I'm awaiting an appeal? Can I still be able to file for short term disability benefits under my employer policy while receiving Social Security? What do I do if my income was reported incorrectly to Principal? Since Unum discontinued my benefits, and I was not receiving anything from them, am I still responsible to notify them about social security? Why can a doctor that I've only seen once decide I'm okay to work? What should I do if Aetna denies me again? Can MetLife request my tax information? When it comes to qualifying for long-term disability benefits from Sun Life, can you tell me is PTSD, short-term and long term memory loss considered a mental and physical disability with Sun Life? If I show SunLife proof that I can't work, do they have to continue my benefits? Can SunLife take 60 days to respond? Can they deny me even when my doctor says I cannot work? Is it normal for LFG to take nearly 3 months to process a claim? What do I do if my doctor has me on no limitations, allowing Principal to cut my benefits? If I don't return to work after I give birth, do I need to pay back any money to Unum (after my maternity leave)? Unum told me my benefits were their money after I spent it. Can they hold my LTD check and apply it to the balance I owe? Do I have to have any taxes taken out if I want a lump sum buyout or can I wait to tile taxes in April and pay them then? Do I need a lawyer to move Unum's decision process along? If Lincoln denies my appeal, what do I do next? Can I request a lump sum buyout from Unum ot do I have to wait until they offer it? What can I do if Unum repeatedly says they haven't received my documents? Why is Prudential requesting weekly updates? Will MetLife cancel my benefits if I accept Medicare? Have you successfully challenged Principal ignoring my physical health issues and only selecting depression so they only have to pay 2 years? What do I do if Lincoln doesn't think SSD is strong evidence of disability? if I file before my STD goes into effect, will LFG deny the claim? How should I best prepare for my 5-year review with Reliance Standard? Does "own" occupation turn into "any" occupation at this point? Can MetLife cancel a claim if you refuse to update it over the phone? Can UNUM refuse to add my son's SSDI benefit to my check when he stops receiving it? Is there anything I can do to receive STD benefits for my pregnancy before my 60 day LTD elimination period ends? Does being approved by Social Security guarantee that my private disability carrier will continue to pay benefits? How do I get a copy of my policy and old pay-stubs? Can The Standard require a POA or Conservatorship/Guardian paperwork before releasing my daughter's benefits? Why is my SSDI taxable income? Sun Life just decreased my payments because I am receiving x number of dollars from my medical pension. Can they do this? Can Unum deny my request to pay them back (overpayment) on a monthly basis? Do Unum benefits run for a lifetime? Can Unum deduct any SSDI I receive? If so, why? Does Prudential have to give me credit for attorney fees? Can they require me to pay them my COLA benefits? Should I hire an attorney for my appeal? What will Prudential do if I keep my lump sump payment? How can I get Reliance Standard to give me a decision on my STD application? Can Standard decide I am no longer disabled if my condition hasn't changed at all? How do I get a copy of my policy? What does rental income qualify as in regards to "extra income" and what financial records must I report to Reliance Standard? Why is CIGNA demanding that they be repaid every bit of long term disability payment because I was forced to retire early and took my pension? Can Hartford legally make me sign an Authoritization form to dislose all records of my private life? Does Reliance Standard consider buy-outs for own occupation claims? Can Standard legally follow someone and look through their personal stuff online? Is bipolar disorder considered a mental or physical condition subject to the 24 month term for mental health? Am I required to meet with Unum rep? Can the AGS help me regarding how Unum treated me? Can Standard recollect the fee awarded to my attorney? Can they recover benefits paid during a time they were also paying the claim? Can I file a harassment suit against Unum? Would you recommend Guardian or NWM for disability insurance for a Cardiologist? Is it legal for Cigna and my company to say they are still creating/writing my policy? You say that NML is one of the three most credible companies selling disability insurance. What are the other two? Is it worth fighting Cigna after they denied my claim? Can UNUM offset my daughter's Survival Benefits resulting from her dad's death? How do I convince MetLife that my condition is, indeed, severe? How can I find out how much overpayment Reliance Standard will be able to recover from me? Can Omaha say that I'm not an active employee because I work less than 30 hours per week? Can I obtain an LTD buyout from Metlife? Can The Standard threaten my credit? Should I tell Unum that I privately purchased their disability policy? Besides suing The Standard, what can I do to fight them? Can Prudential cancel or deny your claim if you are approved for social security disability benefits? Does Reliance Standard use my salary or real earnings to calculate my STD benefits? Why is MOO saying my husband does not have MS to receive LTD when they approved his STD because of MS? Should I hire an attorney? How often should I go to the doctor? Is it common practice for SunLife to threaten vocation review if I don't take their buy outs? Do I have to give Unum access to my tax file and what I receive from my church? Can I sell my LTD benefits with Metlife for a lump sum? How long will it take Unum to decide if my condition is mental or physical? Can MetLife reduce their payments to me if I file early for social security? What should I do If Aetna has been following me? Can Cigna cut off my mom's benefits after 2 years? Also, where can I get their guidelines? If you appeal when Unum denies you, do you still receive funds? Am I obligated to provide my Tax returns to Guardian for my LTD Disability? What do I do if LFG hasn't given me the money they owe me and won't let me speak to a supervisor? Can I still file an appeal if I missed a day? Can I access money from my 401k without Unum reducing my benefits? What percentage is usually offered for settlement? Can Cigna deny my appeal on such short notice? How can I get copies of my policies? Should I accept Unum's lump sum pay off on a lifetime policy? How do I determine if the offer is fair? What % offer (for a lump sum buyout) would you consider low, average, and high? I meet 20 of LFG's requirments for disability but was still denied. What do I do? What does Aetna mean when they say I must find a job that is at least 70% of my work pay? What should I do if I don't think I can work? Can MetLife end my beneifts without verifying my diagnosis (that is an exception to their 24 month clause)? Am I required to pay Prudential for the SSDI attorney fee I paid? Can Hartford spy on me again? Can Hartford count all the money my ex received from SST as income to me if I do not live with her? Is it legal for Cigna to requent my tax returns as a condition of profit or loss? If I drop SSDI, will Standard still offset the benefit? Is it normal for MetLife to take 130 days to respond to my appeal? If you are denied short term and long term through Hartford, how long does it take to file a lawsuit? Could I sue Prudential for the money I paid to my attorney? I had to wipe my 401K, was almost evicted, etc Can I hold Unum accountable for terminating my benefits after 24 months if I was physically disabled – not mentally – first and foremost? Does anyone know for how long Hartford is paying LTD due to a major depression? Can LFG deny my LTD coverage because it's "not portable" while STD is? Will moving to a different state disrupt my LTD? Am I eligible if I am not bedridden? Does Prudential LTD insurance have annual cost of living increases? How long does it take for Hartford to gather paperwork regarding a settlement? Do they offer decent ones? Why isn't there a class action lawsuit against Hartford? Also, if you are denied short term disability and more evidence comes up, that supports original claim, can you submit it? Is is strange that LFG scheduled an IME without requesting medical records for the past 6 months? Can you provide legal support on a contingent basis? Can marriage affect my MetLife disability benefits? Can Reliance Standard offset my SSD benefits before I am approved for them? How do I proceed about Aetna STD and their denial of my claim considering my current diagnosis? Hartford investigator lied to the cops about following me. Is this legal? Will adding physical medicinal illnesses to my mental illness case hurt it or strengthen it? How do I find out the statute of limitations on my LTD claim? If UNUM chooses to discontinue benefits, how much notice is given to the insured? Why can't you sue 3rd party companies that assist Hartford in denying claims? Why can't you sue an MES doctor for medical mal-practice? Can Hartford force me to file for Social Security Disability? Can they hold my benefit checks if I don't? Can Standard cut off my benefits after 2 years if my primary condition is physical and not mental? What do I do if Cigna won't tell me which eye test they want? I only have unemployment benefits. What is the "rule of thumb" cost for an insurance company to defend against an ERISA lawsuit? Am I at risk of losing my Metlife benefits if I have a secondary mental illness (the primary disabling condition is physical)? Is the fact that MetLife limits mental nervous conditions to 24 months discriminatory? How can I get Metflie to send me a copy of my policy? What right does CIGNA have in contradicting my own medical doctors recommendation? Can I prevent Standard from cutting off my mental health benefits after 2 years? VIDEOS Zurich Disability Denial Help. What To Expect. 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Attorney Alex Palamara wins disability appeal against Cigna for Lockheed Martin employee Peripheral Neuropathy Disability Insurance Benefit Tips from Disability Lawyers HIV or AIDS Disability Insurance Benefits Claim Information Bipolar Disorder - Disability Insurance Benefit Tips from Disability Insurance Lawyers Lupus Disability Insurance Benefit Claim Information Disability Insurance Benefits Information For People with Diabetes Eye / Visual Disorder Disability Insurance Benefit & Claim Information How often can my disability insurance company require a Claimant Statement? Disability Insurance Claim Co-Counsel for Lawyers and Attorneys Nationwide Ohio: How Can A Disability Insurance Attorney Help Me To Collect STD or LTD Benefits? North Carolina: How Can A Disability Lawyer Help With A Disability Claim? Broadspire Disability Insurance Claim and Denial Hartford Disability Insurance Denials and Lawsuits Appear to Be On the Rise New Jersey: Disability Insurance Lawyers Helping Disability Claimants Nationwide Cigna Disability Claim Review and Assessment Appears to Have Started? 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Aetna Ordered To Pay Attorney Fees Following Denial of Disability Benefits Liberty Mutual Denial of Disability Benefits to Allstate Employee is Reversed Hartford Insurance attempts to dismiss disability insurance lawsuit claiming Statute of Limitations Inexperienced ERISA disability attorney ordered to pay $4,000 to Prudential Insurance Company Prudential Disability Insurance Benefit Denial Not Subject to 24 Month Mental Nervous Limitation Union Central Insurance Disability Benefit Application, Appeal, Denial, Lawsuit, Claim Mutual of Omaha - Disability Insurance Benefit Denials, Appeals, Lawsuits & Claims Assurant or Union Security Disability Benefit Appeal, Denial. 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Reliance Standard Disability Insurance Claim Denial ERISA Appeal Tips 3 Important Steps to Take Following a CIGNA / LINA Disability Denial Attorney Gregory Dell - A National Disability Insurance Attorney Hartford Disability Lawsuit and Appeal of A Disability Insurance Denial Attorneys Dell & Schaefer: Representing Disability Insurance Claimants Nationwide A disability insurance claim caused by a pain disorder is not a depression disability claim Unum Disability Denial & Appeal Tips Attorneys Dell & Schaefer's Commitment To Our Clients Disability Insurance Attorneys Dell & Schaefer, Helping The Disabled Since 1979 Three Important Things to Consider When Applying for Disability Insurance Benefits Disability Attorney Gregory Dell Appears on the Ed Tyll Radio Show Aetna Disability Benefit Denial for Former Boeing Employee is Upheld by Appeal Court Cigna Disability Insurance Denial to Woman with Sjogren's Disease Aetna Disability Insurance Denial of a Boeing Employee Results in Bankruptcy MetLife Request for a Disability Insurance IME Exam Denied By California Judge Hartford Disability Benefit Denial - Three Important Tips From A Disability Attorney Important Steps to Take If Aetna Has Denied Your Disability Insurance Benefits What relationship does UNUM have with hired doctors in disability insurance claims? Hiring A California Disability Attorney For A Disability Insurance Claim or Denial is Important CIGNA Ordered To Pay Disability Insurance Benefits Beyond 24 Month Mental Nervous Limitation Principal Financial Group - Disability Insurance Claims, Denials & Lawsuits Help Resolved Disability Insurance Cases by Attorneys Dell & Schaefer Frequently Asked Questions About Disability Insurance Claims Things to Expect if Your Disability Insurance Claim was Denied and a Lawsuit Must be Filed Attorneys Dell & Schaefer: Legal Representation For Disability Insurance Claims Like Our Facebook Page and Lets Protect Your Disability Income Benefits SSDI Approval Does Not Mean LTD Disability Insurance Benefits Will Be Paid Liberty Mutual Relies On Video Surveillance to Deny Disability Benefits Hartford Has Some Sneaky Disability Claim Handling Practices Residual Disability Insurance Claims and Applying For Disability Benefits Accident vs. Sickness Provision in Disability Insurance Policy Requires Immediate Attention Sedgwick Ignores Medical Records and Denies Disability Benefits Disability Insurance Denial and ERISA Appeal Deadlines Prior to Lawsuit Top 5 Reasons for Disability Insurance Denial ERISA Disability Appeal - 5 Reasons You Should Have A Disability Attorney SunLife Insurance Company Lump-Sum Benefit Buyout Offers Is it safe for a disability claimant to be on Facebook or other social media? Illinois Mutual Disability Insurance Claim & Denial Attorneys Social Security Disability Offsets in Disability Insurance Claims Reliance Standard Life Insurance - Disability Benefit Claim Attorneys-Appeals, Lawsuits and Claims Lincoln Financial Group and Jefferson Pilot Corporation Disability Claims Ohio National Life Insurance Company - A Disability Attorney's View Sedgwick Disability Benefit Claims Aetna Disability Insurance Claims - A Disability Attorney's View Deposition of Insurance Co. Employee in a Disability Insurance Benefits Denial Lawsuit (Ep. 19) Disability Insurance Adjuster Meets With His Supervisor Mr. Disability: A Warning for Disability Insurance Claimants Who Makes The Final Decison To Approve Or Deny Disability Insurance Benefits? (Ep. 17) A Senator's View of ERISA Disability Insurance Claims (Ep. 20) Beware of Hired Gun Doctors in Disability Insurance Claims (Ep. 23) A Federal Judge's Perspective on ERISA Disability Insurance Claims (Ep. 21) Don't Handle Your Disability Insurance Claim Without An Attorney An ERISA Appeal for Disability Insurance Benefits Must Be Perfect Free Pain Journal Provided by Disability Insurance Attorneys Dell & Schaefer Should I Stop Paying My Disability Insurance Premiums Even Though My Claim Decision Is Pending? 10 Reasons ERISA is an Unfair Law for Disability Insurance Claimants (Ep. 15) How Can One Disability Company Approve My Claim But My Other Disability Company Has Denied My Claim? Lloyds of London Disability Insurance Claims Northwestern Mutual Insurance Disability Claims Do disability insurance companies deny all claims for disability benefits? Application Process for Short and Long Term Disability Insurance Benefits 10 Things To Expect When Your Disability Insurance Company Asks For An IME Exam (Ep. 16) Will the Disability Insurance Company Pay My Doctor to Complete an Attending Physician Statement? If I can not afford medical treatment can I still collect Disability Insurance Benefits? Do I have to sign the social security reimbursement agreement requested by the disability company? If I Am Approved for Social Security Benefits Does That Mean My Disability Claim Will Be Approved? How Does Workers Compensation Benefits Affect a Claimant's Disability Insurance Benefits? What is a Functional Capacity Exam (FCE) & Should I Go to an FCE? What Does Payment of Disability Benefits Under "Reservation of Rights" Mean? Can I Earn Money While I Collect Long Term Disability Benefits? What Are the Most Common Disabling Conditions for a Long Term Disability Claim? What Type of Doctor Should I Be Treating With in Order to Claim Disability Benefits? If I Am Physician Claiming Long Term Disability Can I Treat Myself? Unum / Provident / Paul Revere Long & Short Term Disability Claims (Ep. 13) MetLife Disability Denial Reversed By Court For Unreasonable Claim Handling (Ep. 14) Do I Have to File an Appeal Before I Can File a Lawsuit? What should you do when the disability insurance company does not respond to your ERISA Appeal? Why Does the Disability Insurance Company Request My Tax Returns? Can My Disability Claim Be Denied if My Doctor Has Not Released Me to Return to Work? Can I receive disability benefits while my appeal or lawsuit is pending? How Long Will I Receive Disability Benefits Once My Disability Claim is Approved? Should I Return the "Medical Authorization Release" Form to the Disability Insurance Company? Can I Sue My Long Term Disabilty Insurance Company for Bad Faith or Punitive Damages? Why should I hire a disability attorney to submit my ERISA Appeal? How Do I Determine My Date of Disability for a Long Term Disability Insurance Claim? What Are Self Reported Condition Limitations in a Disability Insurance Policy? Can My Long Term Disability Claim Be Denied for a Pre Existing Condition? What Is a Residual Disability Income Claim? Can I Do Volunteer Work While I Am Collecting Disability Benefits? Am I Required to Have Surgery in Order to Collect Long Term Disability Benefits? How Often Is a Disability Claimant Expected to Treat With a Doctor? The 5 Most Common Reasons for a Disability Insurance Claim Denial Mass Mutual Financial Disability Insurance Claims (Ep. 11) Liberty Mutual Long Term & Short Term Disability Insurance Claims (Ep. 12, part 2) Liberty Mutual Long Term & Short Term Disability Insurance Claims (Ep. 12, part 1) Sun Life Financial Disability Insurance Claims (Ep. 10, part 2/2) Sun Life Financial Disability Insurance Claims (Ep. 10, part 1/2) Guardian & Berskhire Life Long Term Disabilit Insurance Claims (Ep. 9) MetLife Disability Insurance Company (Ep. 7, part 1/2) Prudential Long Term Disability Insurance Claims (Ep. 8, part 2/2) Prudential Disability Insurance Company (Ep. 8, part 1/2) MetLife Disability Insurance Company (Ep. 7, part 2/2) Never Speak to Disability Insurance Company Without an Attorney IME doctors MAY NOT be independent Beware of Outside IME Companies Hired by Disability Insurance Companies Disability Insurance Co. Interview Request FAQ #2 Disability Insurance Company Interview Request FAQ #1 Disability Insurance Independent Medical Exams (IME) FAQ #5 Disability Insurance Independent Medical Exams (IME) FAQ #4 Disability Insurance Independent Medical Exams (IME) FAQ #3 Disability Insurance Independent Medical Exams (IME) FAQ #2 Disability Insurance Independent Medical Exams (IME) FAQ #1 IME Exams Requested By Disability Insurance Companies Can Be Dangerous (Ep. 4, part 2/2) IME Exam Requested By Disability Insurance Companies Can Be Dangerous (Ep. 4, part 1/2) Beware of Interview Request By Disability Insurance Companies (Ep. 3, part 2/2) Beware of Interview Request By Disability Insurance Companies (Ep. 3, part 1) CIGNA Long-Term Disability Insurance Company (Ep. 6, part 2/2) CIGNA Long-Term Disability Insurance Company (Ep. 6, part 1/2) Hartford Disability Insurance Company (Ep. 5, part 2/2) Speak With a Disability Insurance Attorney Before You File Your Claim How Important Is the Support of My Treating Physician? What Types of Medical Conditions Are Most Commonly Challenged by Disability Insurance Companies? What Is a Lump Sum Buyout? How Do Disability Insurance Companies Calculate Lump-Sum Buyouts? Why Consider a Lump-sum Buyout of Your Disability Insurance Policy? Is ERISA a Fair Law for Disability Claimants? How Does an Individual Disability Claim Differ From an ERISA Group Disability Claim? How Do I Know if My Disability Policy is Subject to ERISA? Why Was ERISA Created? Are There Any Penalties if a Disability Insurance Company Violates ERISA? Who Are the Largest Private and Group Disability Insurance Companies? Time to File an ERISA Disability Appeal? What is the "any occupation" definition of disability? What is an "Own Occupation" definition of disability? Does Having a Disability Insurance Attorney Raise a Red Flag? Why Is It Important to Have a Disability Attorney When Applying for Disability Insurance Benefits? Why Are Disability Insurance Policies Difficult to Understand? Hartford Disability Insurance Company (Ep. 5, part 1/2) Disability Insurance Companies Love Video Surveillance (Ep. 2, part 1) Disability Insurance Companies Love Video Surveillance (Ep. 2, part 3/3) Disability Insurance Companies Love Video Surveillance (Ep. 2, part 2/3) Lump-Sum Disability Policy Buyouts ERISA Lawsuits & Trials ERISA Disability Insurance Appeals Group / ERISA Claim Denial Individual Disability Claim Denial Disability Insurance Attorneys Can Keep The Insurance Companies Honest Applying For Disability Benefits: Individual or Group Disability Policy Applying For Disability Insurance Benefits Services Offered By Disability Insurance Attorneys Dell & Schaefer Cesar Gavidia -A Nationwide Disability Insurance Attorney The Importance Of A Disability Insurance Attorney The Importance Of A Disability Insurance Attorney SSDI Benefits versus Long Term Disability Insurance Benefits (Ep. 1) What Is the Appeal Process if My Social Security Disability Claim Has Been Denied? How long do I have to be disabled before I can file a claim for Social Security disability benefits? Does Social Security Always Deny Disability Claimants the First Time They Submit a Claim? Does Social Security Disability Approve Claims That Are Based on Subjective Medical Conditions? Should I Allow My Disability Insurance Company to Interview Me in My Home? Video Surveillance FAQ #1 Video Surveillance FAQ #4 Video Surveillance FAQ #5 Video Surveillance FAQ #3 Video Surveillance FAQ #2 How Does The Social Security Administration Determine If a Person Is Eligible for Social Security? How Often Does the Social Security Administration Evaluate a Claimant's Eligibility? RESOLVED CASES Anesthesiologist Approved for Long Term Disability Benfits Plus an Extra 9 Months of Benefits Attorney Alexander Palamara of Dell Disability Lawyers gets LTD Benefits Reinstated for former Walmart Manager who is now found disabled from Any Occupation Research Epidemiologist with chronic fatigue / ME wins LTD appeal against Prudential Executive Director with Meniere's Denied Long Term Disability Insurance Benefits By Hartford Lincoln Approves Long Term Disability Benefits After Four Year Fight Cigna Sued For Failing To Make A Timely Decision on Appeal Lincoln National LTD Denial for Pre-Existing Condition Reversed on Appeal Illinois Mutual terminates benefits for Tire Kingdom Service Manager After Review By Hired Physician A Hartford Disability Benefit Lawsuit Victory for Truist Banker with Lupus Hartford Denies Disability Benefits To Home Depot Employee 3 Weeks Before Change of Disability Definition Lincoln overturned its previous denial of LTD benefits for Escalation Engineer JP Morgan Chase Financial Advisor With Cancer Wins Prudential Long Term Disability Appeal The Standard, Ameritas and Sun Life Agree to Pay Residual Disability Benefits to General Surgeon NY Life Disability Benefits Reinstated on Appeal Despite Independent Medical Examination Unum Approves LTD Benefits for Pharmacist with Eye Disorder Teacher's Disability Benefits Reinstated by MetLife Billing Manager With Back Disorder Wins Unum Long Term Disability Denial Appeal Prudential Fails to Pay Long Term Disability Benefits of Claimant Suffering from Addison’s Disease MetLife Denies Disability Benefits and Tells TFORCE Truck Driver Its Safe For Him to Drive Hartford Denies Long Term Disability Benefits After Paying for 22 Years Contracts Manager With Toxic Encephalopathy Wins MetLife Long Term Disability Denial Appeal Project Manager with Migraines Gets NY Life Disability Benefit Denial Reversed After Principal Denies Continued Disability Benefits, Attorney Alexander Palamara Gets Claim Reinstated for a Vienna Beef Employee After Two Appeals The Standard Insurance Approves Short & Long Term Disability Benefits for Nurse Aetna Overturns Denial of Long Term Disability Benefits for Quality Control Manager CIGNA Overturns a Waiver of Premium for Group Life Insurance Policy After Appeal, Lincoln Overturns Denial of LTD benefits for Trucking Supervisor Cigna Admits Error In Denying Disability Benefits Sun Life Overturns Its Previous Denial of LTD Benefits for Massachusetts Teacher CIGNA Overturned Their Denial of LTD Benefits for Nevada Healthcare Coordinator Unum Lifts Mental Health Limitation on Disability Claim Hartford Overturns Denial of Disability Benefits on Appeal CIGNA Denies Technology Manager under the Own Occupation Provision & Dell Disability Lawyers Wins Appeal Hartford Approves Disability Claim After Appeal Deadline Aetna Removes 24 Month Limitation for Mental Health Conditions Reliance Standard overturned its previous denial of long term disability benefits for Texas Retail Store Manager MetLife Approves Long Term Disability Claim For Executive Assistant with Neck Pain Dell Disability Lawyers Wins Short Term Disability Appeal Against Lincoln Liberty Mutual Approves Disability Benefits to Senior Vice President Successful Appeal Against Prudential Gets Breast Cancer Survivor Back on Claim for LTD Benefits Aetna Overturns Denial of LTD for Former Employee of The Home Depot Reliance Standard overturned LTD denial for Tennessee Technology Sales Consultant Prudential Overturns Disability Denial to Chiropractor Prudential Approves LTD Claim on Voluntary Appeal After Appeal Sun Life Finally Approves Disability Benefits for Data Engineer Sun Life overturned previous denial of LTD for California Diagnostics Manager Aetna Reinstates Benefits for Former SAP America Employee Suffering the Effects of a Head Injury CIGNA overturned previous denial of waiver of life insurance premiums Dell Disability Lawyers successfully appeal denial of benefits to claimant with CRPS/RSD LINA overturned its previous LTD denial for Medical Technologist MetLife Approves Disability Benefits to Dentist With De Quervain's Prudential Approves Disability Claim on Appeal Liberty Mutual Overturns Denial of Disability Benefits Following Submission of an ERISA Appeal Dell Disability Lawyers Refuses to Allow Prudential to Force Claimant Into Submission Northwestern Mutual Approves Claim For Disability Benefits Dell Disability Lawyers Successfully Appeals Denial Of Benefits To Former Trial Attorney Cigna Overturns Denial of LTD Benefits to Computer Systems Engineer after Appeal and Independent Medical Examination Hartford overturned its previous denial of LTD benefits for Illinois Account Representative Cigna Finally Approves Claim for LTD Benefits for Former Nurse Employed at Hollywood Presbyterian Medical Center Hartford overturned previous denial of long term disability benefits for New York Consultant Dell Disability Lawyers Successfully Appeals Denial of Benefits to Former Clinical Therapist Liberty Reinstates Long Term Disability Benefits for the Second Time Dell Disability Lawyers Successfully Appeals Metlife Denial of Benefits to Veteran Unum Approves Long Term Disability Application to a Program Manager Attorney Cesar Gavidia Successfully Reinstates CIGNA Benefits to a Senior Systems Engineer Suffering from Migraines Lincoln National Life Insurance Company overturned previous denial of long term disability benefits for Wyoming Professor Dell Disability Lawyers Administrative Appeal for Cafeteria Manager Forces Lincoln to Re-Approve Disability Claim Symetra Reinstates LTD Benefits for Former Vice President of Grady Management, Inc. who suffered from multiple Strokes Aetna overturned previous denial of long term disability benefits for Georgia Assistant Berkshire Approves Application for Disability Benefits to Sales Manager Cigna Overturns Denial of Long Term Disability Benefits Metlife Overturns Denial on Appeal by Dell Disability Lawyers CIGNA overturned previous denial of long term disability benefits for Massachusetts Senior Advisor After appeal filed by Attorney Jay Symonds, UNUM overturned previous denial of long term disability benefits for South Carolina Nurse Prudential overturned previous denial of long term disability benefits for Oregon Software Engineer CIGNA overturned previous denial of long term disability benefits for New Jersey Account Manager Cigna Overturns Denial of Long Term Disability Benefits On Appeal Standard Approves Disability Benefits to Attorney with Fibromyalgia Cigna Overturns Denial of LTD Benefits for Maintenance Supervisor Suffering from Serious Back Issues After appeal filed by Attorney Jay Symonds, Mutual of Omaha overturned previous denial of short term disability benefits for Maine Senior Software Engineer Prudential Decides to Terminate Long-term Disability Claim of Disabled Chevy Chase Bank Manager That It Had Paid for 11 Years, But It Overturns Decision After Dell Disability Lawyers' Appeal Prudential overturned previous denial of long term disability benefits for Connecticut Audit Manager Cigna approves disability benefits to Doctor with Ehlers-Danlos CIGNA overturned previous denial of long term disability benefits for Washington Crime Scene Photographer Prudential denial overturned on Appeal after Dell Disability Lawyers established that Medical Device Representative could not perform duties of any gainful occupation Cigna again reinstates claim of Archdiocese of Baltimore Registered Nurse thanks to Appeal by Dell Disability Lawyers Prudential overturned previous denial of long term disability benefits for Mississippi Nuclear Medicine Tech Cigna overturns decision to terminate benefits of Claimant suffering from Multiple Sclerosis Senior Global Tax Director for billion dollar worldwide industrial company is again receiving disability benefits from MetLife after Appeal by Attorney Alexander Palamara After Appeal filed by Attorney Alexander Palamara, Cigna overturns its previous denial of long term disability benefits for Retail Clerk suffering from Bipolar Disorder and Chronic Pain Principal reinstates benefits of Orthopedic Surgeon unable to work full-time after Attorney Rachel Alters submits Appeal Unum and Sun Life approve disability benefits to OB/GYN After appeal filed by Attorney Jay Symonds, Hartford overturned its second denial of long term disability benefits for Alabama CEO After appeal filed by Attorney Jay Symonds, Hartford overturned its previous denial of long term disability benefits for Tennessee Claims Supervisor Computer Programmer is back on claim receiving LTD Benefits after Attorney proves to Lincoln it acted wrongly Accountant who was previously on claim for 7 years gets LTD re-approved after Appeal to Lincoln Financial Group CIGNA overturned previous denial of both long term disability benefits for Massachusetts IT Procurement Specialist CIGNA overturned its previous denial of both short term and long term disability benefits for Michigan Senior Personal Banker LTD claim approved for a second time for an Insurance Sales Agent after Prudential denies claim based on self-reported physical capabilities After an appeal, a former Director of Information Security, gets disability benefits approved for mental health disorder. The fight for long term disability benefits for client’s physical limitations continues Lincoln Approves Disability Benefits Following Second Appeal Dell Disability Lawyers file Lawsuit in Federal Court against Aetna after it denied long-term disability benefits to former software Developer Reliance Standard overturns decision to deny long-term disability benefits to Paediatrician with Ovarian Cancer After Aetna denied Ms. Garner's long-term disability claim, Ms. Garner filed suit against Aetna, and the Court overturned Aetna's decision and ordered it to pay Ms. Garner's disability benefits Respiratory Therapist whose claim was denied without a proper review gets LTD claim approved after Appeal to CIGNA Reliance Standard reinstates disability benefits to Project Manager Cigna reinstates disability benefits to Project Manager on Appeal After appeal filed by Attorney Jay Symonds, Prudential overturned its previous denial of long term disability benefits for Pennsylvania Corporate Training Coordinator Trinity Health Care Registered Nurse wins Cigna long term disability Appeal Lincoln Financial denial of LTD benefits after paying for 9 years is reversed on Appeal Assurant overturned its previous denial of long term disability benefits for Maine Sales Consultant After appeal filed by Attorney Jay Symonds, Hartford overturned its previous denial of long term disability benefits for Kentucky District Sales Manager LTD claim approved by Lincoln for former Biomet, Inc. employee suffering from Meniere's Disease After appeal filed by Attorney Jay Symonds, NWM overturned its previous denial of long term disability benefits for California Customer Relations Supervisor Standard overturns decision to deny disabled Project Manager long-term disability insurance benefits after first Appeal Disabled Vessel Captain for Marine Services Corporation wins long-term disability Appeal with CIGNA After appeal filed by Attorney Jay Symonds, Sun Life overturned its previous denial of long term disability benefits for Florida ICU Nurse After it had previously overturned a denial after an initial Dell Disability Lawyers Appeal, Liberty denied our client's claim again. After a new appeal, Liberty has now agreed to reinstate our client yet again. After appeal filed by Attorney Jay Symonds, Prudential overturned its previous denial of long term disability benefits for New York Financial Control Officer Another long term disability claim is reinstated after Disability Attorney Alexander Palamara successfully argues The Standard mishandled preexisting condition investigation Cigna approves disability benefits after two years of fighting United of Omaha overturns decision to deny benefits to disabled Quality Assurance Manager after Appeal discredits its medical review and vocational assessment Prudential Overturns Denial of Disabled Welding Foreman Suffering From a Blood Disorder to Only Claim His Disability is Psychosomatic and Limited to 24 Months of Payments Dell Disability Lawyers Appeal Team Lead by Attorney Cesar Gavidia Successfully Appeal CIGNA's Denial of Benefits to Disabled Lockheed Martin Tech Manager With Traumatic Brain Injury Standard Overturns Denial of Benefits to Shareholder of Major Law Firm Hartford Reinstates Disability Benefits to HR Manager Cigna Approves Disability Claim Following Multiple Denials Unum Overturns Original Decision to Deny Benefits to Disabled Account Manager Following Appeal Submitted by Dell Disability Lawyers Appeals Team After appeal filed by Attorney Jay Symonds, Lincoln National overturned its previous denial of long term disability benefits for Washington Sales Representative Lincoln Financial Reinstates Disability Benefits To School Teacher Another Palm Beach County Sheriff's Deputy's Long Term Disability Claim is Reinstated Following Appeal by Disability Attorney Alexander Palamara Team lead by Attorney Cesar Gavidia Forces Prudential to Overturn Long-term Disability Denial on Appeal for IT Support Technician Diagnosed with Cancer After appeal filed by Attorney Jay Symonds, CIGNA overturned its previous denial of short term disability benefits for New Jersey Project Manager Cigna Overturns Denial Following Dell Disability Lawyers Appeal Prudential Overturns Decision to Deny Long-term Disability Benefits to Former JP Morgan Chase Financial Advisor With Mandibular Cancer Disability Attorney Alex Palamara wins LTD Benefits for Police Officer Denied by Standard Long Term Disability Appeal Victory Against Cigna for Cardiac Cath Technician Cigna Approves Disability Benefits to International Sales Manager Liberty Mutual of NY Disability Benefit Denial Reversed After Two Denials In One Year Cigna reinstates long term disability claim after reviewing Dell Disability Lawyers appeal After appeal filed by Attorney Jay Symonds, UNUM overturned its previous denial of long term disability benefits for Colorado Plumber MetLife reverses decision to terminate LTD benefits after Dell Disability Lawyers files an appeal showing Metlife completely ignored physical conditions of claimant Disability Attorney Alexander Palamara Proves to Unum that Its Decision to Deny Benefits Was Wrong for Claimant Suffering from Heart Conditions Lincoln Overturns Denial of LTD Benefits After Two Appeals Cigna reinstates LTD claim after reviewing Dell Disability Lawyers appeal After appeal filed by Attorney Jay Symonds, Hartford overturned its previous denial of long term disability benefits for Alabama CEO After appeal filed by Attorney Jay Symonds, Mutual of Omaha overturned its previous denial of short term disability benefits for Colorado Senior Manager Standard Overturns Denial of Disability Insurance Benefits Dell Disability Lawyers Successfully Appeals Denial Of Benefits To Pre-School Teacher Dell Disability Lawyers Successfully Appeals Denial Of Benefits To Claimant With Trigeminal Neuralgia CIGNA Reinstates Benefits for Freight Company Truck Driver Following Successful Second Level Appeal Attorney Cesar Gavidia and Appeal Team at Dell Disability Lawyers Win Appeal Battle Against Unum to Reinstate Long-Term Disability Insurance Benefits to Disabled Software Engineer Aetna Reinstates Disability Insurance Benefits to Home Depot Manager Reliance Standard Reinstates Benefits for Former Employee of Parent Company, Delphi Financial, Following Successful Appeal Cigna Reinstates Long Disability Benefits to a Tugboat Captain Sun Life Approves Disability Benefits to Surgical Services Director Sedgwick Reinstates Long Term Disability Claim Following Appeal 67 Year Old Circuits Designer Reaches Settlement With Prudential After Filing Suit to Recover LTD Benefits Under ERISA LTD Insurance Plan Palm Beach County Sheriff's Deputy's Long Term Disability Claim Reinstated Following Appeal by Disability Attorney Alexander Palamara Fresenius Medical Care North America Employee Wins Disability Appeal With CIGNA Hartford has a Pattern of Conducting Surveillance on a Claimant's Birthday Dell Disability Lawyers Successfully Appeals Denial Of Benefits To Former Excel Energy Employee Mutual of Omaha Reinstates Benefits of Business Development Manager after Appealing the Termination of Her LTD Benefits Attorney Alex Palamara Helps Correction Officer to Win Cigna Disability Appeal Disability Benefits Reinstated: Dell Disability Lawyers Appeal Gets CIGNA to Admit its Decision to Deny was Wrong After Being Offered $20,908.56 in Back Benefits and Interest, Attorney Alex Palamara Helps Disabled Nurse Receive $450,213.86 plus $5,000/mo going forward Due to Regulatory Settlement Agreement Alex Palamara Wins Another Hartford Disability Appeal Dell Disability Lawyers Successfully Appeals Denial of Benefits to Former Director of a Multinational IT Consulting Company Cigna overturns Short Term Disability Denial and awards Long Term Disability Benefits Dell Disability Lawyers Successfully Appeals Denial of Benefits to IT Support Specialist Prudential Reinstates Disability Benefits To School Teacher Prudential Overturns Denial of Benefits on Appeal After Denying Claim On Basis That Insured Failed To Show Medically Supported Restrictions and Limitations Dell Disability Lawyers Successfully Appeals Denial of Benefits to Former Inventory Control Specialist Prudential Settles Breach of Contract Lawsuit Arising From Allegations That It Terminated the Claim of CPA Disabled Under AICPA Long-term Disability Insurance Policy Sun Life ignored its own medical expert's opinions supporting registered nurse's inability to work in a sedentary occupation due to severe rheumatoid arthritis MetLife agrees to overturn its denial of long term disability benefits for Florida Doctor after an ERISA appeal filed by Alex Palamara Hartford Overturns Denial of Long-term Disability Benefits For Disabled JP Morgan Chase Banker Attorney Cesar Gavidia successfully appeals Cigna claim denial after Cigna and its medical consultant deny claim alleging that restrictions were not medically supported by the medical records Dell Disability Lawyers Successfully Appeals Denial of Benefits to Fedex Employee Dell Disability Lawyers gets Cigna to Reinstate Long Term Disability Benefits for Former Maryland Teacher Suffering from Crohn's Disease MetLife Reinstates Disability Benefits to Attorney on Appeal Administrative Appeal by Dell Disability Lawyers forces Principal to Reinstate ERISA Long Term Disability Claim of Former Healthways, Inc. Employee Reliance Standard Overturns Denial of Benefits on Appeal After Claiming It Failed to Receive Medical Records After sending claimant to a psychiatric IME, Reliance Standard realizes its decision to deny benefits was incorrect Liberty Mutual Twice Denies and Approves Long-term Disability Benefits to IT Systems Analyst with Rheumatoid Arthritis Dell Disability Lawyers convinces Sun Life to Overturn Denial of Long Term Disability Benefits for a Person Suffering from Severe Cervical Disorders Hartford Agrees to Overturn its Previous Denial of Long Term Disability Benefits for an Employee of Adventist HealthCare who suffers from RSD/Complex Regional Pain Syndrome Florida Nurse wins long term disability benefits from UNUM after Disability Attorney Alex Palamara wins ERISA Appeal After Initially Being Denied Long Term Disability Benefits, Dell Disability Lawyers Gets Former Wal-Mart Employee on Claim with Liberty Mutual Dell Disability Lawyers Successfully Appeals Denial of Benefits to Quality Control Inspector Prudential Agrees to Reinstate Long Term Disability Benefits for an Employee of DRS Technologies who suffers from very severe back issues Standard Overturns Denial of Disability Benefits to Chiropractor Long Term Disability Benefits Reinstated: After Administrative Appeal filed by Dell Disability Lawyers, The Standard Overturns Decision To Deny Former Employee of T-Mobile USA Appeal filed by Dell Disability Lawyers proves to MetLife that former Morgan Stanley Employee Should Continue to Receive ERISA Long Term Disability Benefits Administrative Appeal by Dell Disability Lawyers Helps Disabled Man with Eye Disorders Get Approved for Short Term Disability Benefits with Hartford; Long Term Benefits Next Dell Disability Lawyers ERISA Administrative Appeal Successful: Claimant suffering from Sleep Disorders, Depression and Fibromyalgia Now Receiving Long Term Disability Benefits Aetna overturns decision to deny LTD benefits for claimant suffering from post-concussion syndrome and neurocognitive disorder Dell Disability Lawyers ERISA Administrative Appeal Proves to MetLife that Client is Still Disabled and Claim Not Subject to Certain Policy Limitations Mutual of Omaha Approves Dell Disability Lawyers Client for Short Term Disability Benefits After Administrative Appeal CIGNA overturns decision to terminate benefits of telephone sales representative with severe degenerative disc disease Prudential Overturns Another Long Term Disability Denial After Dell Disability Lawyers Appeal Dell Disability Lawyers successfully appeals denial of benefits to maintenance technician Cigna Overturns Denial of Benefits to Data Center Manager Prudential denies and settles long-term disability claim with CPA after CPA becomes totally disabled from chronic cervical neck pain and radiculopathy Surveillance Video and Independent Medical Examination (IME) Leads to Disability Insurer Terminating Disability Claim After Paying Partially Disabled Insurance Agents Claim For 21 Years Cigna Approves Any Occupation Disability Benefits After Two Appeals Prudential Overturns Denial for Dell Disability Lawyers Client Suffering With Serious Back Conditions After Long Fight for Short Term Disability Benefits, MetLife Has Now Approved Dell Disability Lawyers Client for Long Term Disability Benefits Dell Disability Lawyers Wins Disability Appeal against Cigna for Mortgage Banker Dell Disability Lawyers successfully appeal denial by Liberty Life Cigna Reinstates Long Term Disability Benefits to Medical Coder Cigna reverses its decision to terminate benefits of a claimant with Fibromyalgia, Cervical Spine Spondylosis and Depression Reliance Standard Admits They Were Wrong in Denying Long Term Disability Benefits Nearly Three Years Later, Sedgwick Finally Pays Walgreens' Pharmacist's STD and LTD Claim Unum Settles Lawsuit with Florida Chiropractor After Initially Denying Long-term Disability Claim Reliance Standard Overturns Its Decision to Deny; Dell Disability Lawyers Client Will Again Receive Long Term Disability Benefits Prudential overturns denial of Long Term Disability Benefits for Vietnam War Veteran after Lawyers from Dell Disability Lawyers file appeal Cigna reverses decision to terminate benefits of claimant suffering from end-stage Myasthenia Gravis Disability Attorney Cesar Gavidia Wins Hartford Disability Appeal For Target Employee With Rheumatoid Arthritis and Chronic Neck Pain Prudential Overturns Denial of Long Term Disability Benefits to College Professor Hartford Buys Out Disability Policy Following Appeal Dell Disability Lawyers Appeal Successful, Cigna reinstates Long Term Disability Benefits for Lockheed Martin Employee Cigna Reinstates Benefits to Software Engineer Suffering From Chronic Back Pain Lincoln Reversed Decision to Deny Benefits of Project Manager Suffering from Chronic Paroxysmal Hemicranial Cluster Headaches Liberty's Decides to Terminate Benefits to a Claimant with Multiple Sclerosis Based on 40 Minutes of Surveillance Video Benefits Reinstated: Dell Disability Lawyers Successfully Appeals Cigna's Decision to Deny Benefits for MetroPCS Wireless Employee with HIV MetLife Removes 24 Month Limitation for Mental Health Condition for Financial Advisor After Appeal by Dell Disability Lawyers, Cigna overturns its decision to deny Short Term Disability Benefits Principal Approves Long Term Disability Benefits for Surgeon Attorney Alex Palamara Wins Disability Appeal Against Cigna for Lockheed Martin Employee After Two Appeals, Cigna Finally Sees the Light and Pays Disability Benefits Sun Life Approves Claim for Long Term Disability Benefits Hartford Reversed Decision To Terminate Claimant's LTD Benefits After Submitting an Appeal Lincoln Financial Overturns Denial of ERISA Long Term Disability Claim for Dell Disability Lawyers Client, But There Is A Catch CIGNA Denies Long-term Disability Benefits to Customer Service Representative with Fibromyalgia Lincoln Admits It Was Wrong To Deny Disability Insurance Claim Lincoln Approves Disability Claim After Multiple Appeals Cigna Reverses Long Term Disability Denial And Admits Denying Benefits To Attorney Stricken With Parkinson's Was Wrong Hartford ERISA Disability Appeal Victory for a Jet Operator Suffering with Chronic Back Pain A Liberty Life Disability Benefit Denial is Reversed after ERISA Appeal filed by Attorney Alex Palamara of Dell Disability Lawyers Cigna Overturns Denial of LTD Disability Benefits to Off Shore Oil Rigger Suffering From Post Traumatic Stress Disorder Mass Mutual Approves Long Term Disability Benefits For an Oncologist That Suffered Stroke Hartford Settles Disability Claim of 60 Year-Old Account Executive After Terminating LTD Benefits Sun Life Disability Claim Denial Reversed on Appeal for Funeral Home Director with Chronic Pain and Migraines Aetna Overturns Denial of Long Term Disability Benefits to Bank Manager with Multiple Sclerosis Following ERISA Appeal Cigna Overturns Decision to Deny Short Term Disability Benefits to Independent Living Coordinator Suffering from Chronic Pain, Lupus, Fibromyalgia and Connective Tissue Disorder Metlife Admits Decision To Deny Ltd Benefits To Claimant With Chronic Fatigue Due To Congestive Heart Failure Was Wrong Two Stroke Victims Win ERISA Appeals Against Prudential and Liberty Life Prudential Reinstates Long Term Disability Benefits on Appeal to Sales Manager Who Suffered Multiple Strokes AXA Equitable and DMS Approve LTD Benefits for Litigation Attorney with ADHD & Bi-Polar Dell Disability Lawyers obtains settlement award for OB/GYN with Unum individual disability policy Metlife Admits Decision to Deny LTD Benefits Based on Fibromyalgia Limitation Was Incorrect When Claimant's Primary Diagnosis Was Meniere's Disease Northwestern Mutual Reinstates Disability Benefits to Attorney Suffering From Gastrointestinal Problems Dell Disability Lawyers Prove to Prudential that Its Decision to Deny Benefits Was Wrong Mutual Of Omaha Overturns Denial of Short Term Disability Benefits for Software Developer With Chronic Back Pain Cigna Overturns Denial of Disability Insurance Benefits for IT Consultant Suffering from Physical and Mental Conditions Dell Disability Lawyers' Client Awarded ERISA Long Term Disability Benefits After ERISA Appeal Filed Alex Palamara's ERISA Disability Appeal Against Prudential Leads To Reinstatement of Benefits for Woman With Cerebral Aneurysm MetLife Overturns its Decision to Deny Long Term Disability Benefits After Receiving an ERISA Appeal from Dell Disability Lawyers Hartford Reinstates Long Term Disability Benefits on Appeal to Computer Systems Administrator Suffering with Chronic Back Pain Dell Disability Lawyers' Appeal Leads Prudential to Reinstate ERISA Long Term Disability Benefits Aetna Reinstates Short and Long Term Disability Benefits on Appeal to Warehouse Manager Suffering from Major Depression Mutual Of Omaha Overturns Denial of Short Term Disability Benefits for Software Developer Cigna Reverses Disability Denial And Admits Its Decision To Deny Benefits To Attorney Stricken With Parkinson's Was Wrong MetLife Long-Term Disability Denial Of Disabled Yamaha Motors Corporation Manager With Genetic Disorder Is Reversed Following ERISA Appeal Chiropractor Obtains Lump-Sum Disability Insurance Settlement Despite Wrong Date of Disability Reliance Standard Overturns Denial of LTD Disability Benefits to Timeshare Salesman MetLife Reinstates Benefits to Financial Advisor Suffering From Restless Leg Syndrome & Insomnia CIGNA Overturns Its Decision to Deny Continued Disability Benefits for Former Employee of Science Applications International Corporation Unum Approves Disability Benefits Beyond 24 Month Mental Health Limitation Hartford Admits Decision to Deny LTD Benefits to Claimant with Chronic Lyme Disease Was Wrong Aetna Denies Disability Benefits after 18 Months of Payment, but Dell Disability Lawyers wins ERISA Appeal Northwestern Mutual Approves Long Term Disability Insurance Benefits for Veterinarian Dell Disability Lawyers Win an ERISA Appeal Following Lincoln Financial Disability Denial Unum disability appeal results in settlement of Unum long term disability claim Reliance Standard reverses long term disability denial following appeal submitted by Dell Disability Lawyers Woman with multiple sclerosis files long term disability benefit denial lawsuit against Prudential Unum Pays One Million Dollars in Disability Benefits to Disabled Lawyer After Reviewing Disability Appeal Submitted By Dell Disability Lawyers Liberty Mutual Overturns Disability Denial to Truck Driver With Chronic Low Back Pain Lincoln Financial Reinstates Disability Benefits Following the Submission of an Appeal for an Attorney With Wrist Injuries UNUM Insurance Company reverses disability insurance denial for CFO/VP of Finance Liberty Mutual Overturns Disability Insurance Denial in Ten Days Prudential Overturns Disability Denial for Third Time to Insured with Cluster Headaches Prudential Awards Long Term Disability Benefits to Doctor Suffering From Parkinson's Disease AT&T Employee Dealing With Sedgwick Has Horrible Disability Benefit Claim Experience CIGNA denies benefits after paying for 10 years, but Disability Attorney Stephen Jessup wins benefits for 60 year old client with fibromyalgia Hartford reverses disability benefit denial after previously paying 62 year old sales rep for 6 years Standard reverses disability insurance denial for a disabled lawyer Disability lawyers win ERISA long term disability appeal against Hartford $79,000 in long term disability insurance benefits is recovered for disabled teacher MetLife approves disability insurance benefits for OB/GYN suffering from multiple orthopedic conditions Federal Insurance Company and former postal worker reach confidential settlement regarding lump-sum disability policy Unum issues disability insurance benefits to currency trader suffering from depression and chronic fatigue Berkshire and Liberty Mutual approve benefits to OB/GYN suffering from essential tremor CIGNA lump sum settlement buyout offer obtained for former salesman General Surgeon wins Long Term Disability Insurance Trial Against Unum Liberty Mutual reverses decision to terminate disability benefits Disability carrier denies disability benefits to chiropractor after paying for 8 years, yet Dell Disability Lawyers file lawsuit and obtain lump-sum buyout Podiatrist with median nerve injury files lawsuit and obtains lump-sum buyout of disability policy A general surgeon and his legal team at Dell Disability Lawyers win disability insurance jury trial against Unum Berkshire approves total disability benefits for litigation attorney following surgery to remove a cancerous tumor and multi-level fusion of cervical spine Reed group overturns its decision to terminate short term disability benefits to medical device sales representative and retired marine corp. officer suffering from post traumatic stress disorder Prudential reverses denial of long term disability benefits to engineering manager suffering from coronary artery disease Cameraman suffering from chronic knee problems receives long-term disability benefits from the Mutual of New York Life Insurance Company Lincoln Financial's denial of long-term disability benefits is reversed following appeal submitted by Dell Disability Lawyers Dell Disability Lawyers resolve lawsuit against Unum on behalf of ophthalmologist suffering from bi-lateral carpal tunnel syndrome Unum approves long-term disability benefits for a general surgeon diagnosed with cervical degenerative disc disease $800,000 lump-sum disability settlement for attorney with depression Confidential Disability Settlement for a Dentist After Insurance Companies Bad Faith is Exposed A former podiatrist and current national judo champion and marathon runner collects long-term disability benefits Aetna approves disability benefits for dentist following brain surgery to remove a tumor Aetna's denial of disability benefits to an OBGYN physician is reversed following an appeal submitted by Dell Disability Lawyers Dell Disability Lawyers prove dentist is totally disabled and not residually disabled Dell Disability Lawyers win long term disability insurance appeal against MetLife on behalf of engineer suffering from Parkinson's Dell Disability Lawyers win benefits for client under a catastrophic illness policy Dell Disability Lawyers win long-term disability trial against Prudential on behalf of time-share salesperson suffering from cervical disc disease Dell Disability Lawyers obtain lump sum buy-out of an Unum long term disability insurance policy for a drywall contractor AXA Equitable and Disability Management Services approves benefits for a chiropractor suffering from lumbar and cervical disc disease Berkshire Life Insurance Company approves long-term disability benefits for a dentist suffering from lumbar disc disease Chiropractor placed on claim despite an "any occupation" provision Chiropractor receives total disability benefits despite neck exclusion language in a Trustmark Insurance Company disability policy Cigna approves internal medicine doctor for long-term total disability benefits Cigna reinstates disability benefits for an accounting manager Dentist wins appeal and UNUM Provident pays disability benefits Dentist with hand tremor files suit and receives confidential settlement for past due and future long-term disability benefits Disability insurance carrier cuts veterinarian's benefits after paying for 9 years ENT doctor receives $225,000 and continues to work in his same occupation while collecting disability AXA Equitable pays total disability benefits to an attorney ERISA disablity insurance claim: pre-existing condition denial overturned for executive Executive assistant recieves confidential settlement from USAA Life for long-term disability policy Federal Express ("FEDEX") thought their disability insurance plan was governed by ERISA, but Dell Disability Lawyers and the US Southern District Court of Florida disagree Former government bond trader and 9-11 survivor receives more than one million dollars in long-term disability benefits Former options trader receives confidential long-term disability settlement 10 years after his original claim was denied Hartford agrees to lump-sum buyout of long-term disability policy for account executive Hartford and Unum approve long-term disability benefits for disabled radiologist Hartford approves long-term disability benefits for teaching assistant with multiple sclerosis Lincoln Financial approves long-term disability benefits for financial advisor injured in car accident Mass Mutual approves long-term disability benefits of $12,000 a month for a financial advisor suffering from musclar dystrohpy (FSHD) Mass Mutual attempts to deny disability benefits to OBGYN after ten years on claim MetLife approves long term disability benefits for senior sales manager in the medical supply industry Neurosurgeon awarded partial disability benefits Podiatrist receives lump-sum buyout at pre-suit mediation with long-term disability insurer Prudential pays computer system engineer's ERISA disability benefits after 3 unsuccessful appeals by the insured and his previous attorney Prudential reinstates long-term disability benefits to sales specialist following appeal filed by Dell Disability Lawyers Prudential reverses denial on second appeal & pays $175,000 in past due disability benefits to OBGYN Psychiatrist receives $340,000 long-term disability insurance buyout Real estate agent recieves lump sum settlement from Unum Provident after appeal is filed The Standard Insurance Company's denial of disability benefits is reversed on appeal Unum approves dentist for residual/partial long-term disability benefits Unum approves long-term disability benefits for a trial attorney suffering from diabetic neuropathy Unum approves opthamologist for long-term total disabilty benefits Unum challenges the long term disability claim of a blind salesman Unum Provident and Monarch Life Insurance Company pay total disability to dentist Unum Provident approves physiologist's claim for disability benefits Unum Provident pays advertising executive total disability benefits Unum Provident pays total disability benefits to a chiropractor with breast cancer Teacher suffering from Sjorgen's syndrome, fibromyalgia and other conditions receives lump-sum buyout following denial of long-term disability benefits Liberty Mutual reverses denial of short-term disability benefits and approves long-term disability benefits for advertising account manager Jefferson Pilot's denial of long-term disability benefits to a quality control manager is reversed DC REVIEWS Review from Unknown - What a mess I was disabled 2003 by SS. I got SSDI 7 years too late. Review from Allen Cox - only care about $$$$$ Review from Jeff Allsop - They falsify documents and avoid contact as much as possible. Review from Hana K - This company is a scam! Review from MartyG - California State Disabilty "OFFSET" never mentioned or outlined when enrolling for STD coverage. Review from Cezes - Not getting paid Review from J Review from Steve - Review from Kara - They leave you unable to fight Review from Fed up in PA - Hartford Stopped Payments Prudential terminated my LTD, so now I have no income Lincoln Financial made my life a living hell They demanded an overpayment, stopped my claim, and lied about it Sun Life is a real pain I feel like Unum is giving me the runaround! Payment delays! Cigna (NYL) denied my claim Hold up on payments!!! Paid Family Leave They should all rot in hell They will constantly come up with anything to delay paying you Don't count on Cigna!!! You will be very disappointed!!! They will do anything to avoid paying Lincoln Financials wants to claw back my money Cigna denied my disability claim because they didn't read the "continued on next page" Cigna denied my STD claim This is the second time I've been shorted in my check Your decision making process is absurd! Everytime SunLife receives my information they ask for another 7 to 10 business days Lincoiln Financial denied my STD claim because one doctor didn't send them my medical information. My husband has 2-5 yrs to live, yet MetLife has been giving him the run around Reliance Standard denied my LTD benefits because COVID-19 limited my ability to provide proof of continued disability. Lincoln cancelled my benefits because my doctor's notes were handwritten Inappropriate conduct!! Rude, discriminatory, etc Lincoln denied my disability claim even though Dr said I couldn't work Haven't been paid since MetLife denied my appeal months ago I have lost everything due to non payment of my claim. Metlife closed my STD claim amid several injuries Lincoln doesn't think renal failute and 4 dyalisis treatments per day are enough to be. Disabled Prudential cancelled my policy amid COVID crisis Cigna denied me and I had no other choice but to go back to work when I wasn't ready Metlife's COLA recalculation cut my payments with no explanation why Unum terminated my benefits with no warning I've been trying to care care of my Unum benefits for over a year. They’ve been so rude Cigna claiming they never got the forms I sent them Sorry, Principal. My residual and renewal commissions aren't "earned" I was sold a policy that I cannot use and no one will show me the policy SunLife said if I don't apply for SSI they will lower my payments I don't understand SunLife's overpayment letter Reliance Standard cut off my LTD benefits claiming I'm fit enough to work even though I'm more sick than before. I've paid for STD for 20+ years. Now, I'm actually sick and can't get paid Reliance Standard notified me that my benefits were being stopped with no warning or reason. MetLife stopping my benefit plan. I'm still disabled Unum thought I was fine to work. I wasn't Aetna STD has been a nightmare since the beginning My doctor signed paperwork and they still denied my pregnancy claim They promised me min 10% of my salary and max 60%. I got 6% Hartford never paid me Guardian not being flexible during Covid Hartford rep felt so guilty over how the company treated me that she quit Prudential verbally approved my claim and then sent me a denial letter Guardian thinks people with lupus miraculously recover Hartford ajuster won't return my calls. I might have to move back to California Lincoln Financial pressured me to return to work amid the pandemic MetLife forgot that women can't lift 20 pounds while pregnant Aetna leaves me at risk of losing my job and without compension Do not use this terrible, unethical company. My daughted died waiting for their claim. I was receiving LTD from Reliance Standard due to breast cancer until they suddenly denied me my benefits. Hartford keeps saying they haven’t gotten my paperwork MetLife received all my medical records but still denied my claim I'm going bankrupt after Hartford rejected all my medical tests/records Hartford has denying claims down to an artform SunLife screwed me one week after a C-section Hartford Insurance Company is a bunch of unpassionate people I'm using my off time off when it should be under my Cigna short term disability Unum has made me feel like a criminal My fiance wants to lie to his doctor so he can go back to work because we can't live off of SunLife SunLife took away my husband's VA Disability payment So appalled and frustrated with how Cigna is allowed to get away with this! Sent 122 pages of paperwork, but MetLife still need more info LFG made me lose all hope Lack of respect, consideration, compassion and professionalism Why are they handling it this way? 2 days before Christmas, LFG told me my benefits would be discontinued. They didn't contact me before and never told me why Get your own medical records, mail them certified mail, and pay for the copies so they don’t deny you on their time frame limits!! I have 11 conditions, and Hartford is going to cut me off Standard is one of, if not the worse, company in the industry now Cigna only paying me my earned income instead of base income I have been severely harmed by Lincoln Financial. Action must be taken against them. MetLife wants to end my benefits at age 62 Standard is one of, if not the worse, company in the industry Standard hasn't approved or denied my claim in over a year. They keep promising to look at it 'next week' Filling out MetLife's detailed application could make me ineligable to premium waiver program Northwestern thinks I can walk even though my left leg is paralyzed Hartford dragging their feed on my STD Hartford is a joke. Their favorite word is "denied' I waited 5 weeks just to be told I can't receive benefits Over a year passed with zero notification from Hartford Unum keeps prolonging the process to approve my LTD benefits Cigna denied my claim after agreeing that I am functionally impaired This experience with the Hartford is one of the worst things I’ve ever had to deal with Aetna puts their clients through hell with their games Cigna used another person's medical info to deny my claim and ignored my doctors Cigna cut back my payments because I had a pension Cigna cares more about their shareholds than you I'm dreading and fearing this mess This company needs to be sued for their unethical practices! Cigna thinks they know how I feel inside my head Principal will do anything not to pay Lincoln Financial does nothing but give you hoops to jump through. MetLife is unresponsive to my emails but expects me to respond to theirs Cigna denied and said they needed more medical info … wow If Metlife is using ridiculous stall tactics over $12.00, I can't imagine what they do over full price I've gotten nothing but the run around for over a month. Beyond frustrating and stressful! I feel that I was robbed Northwestern is the Quiet Company that silently screws its policy holders but is too big to fail Lincoln Financial incorrectly cut my check and then unjustly denied my LTD claim. I only needed Unum once and to no aviail. I got denied Cigna forces people to not follow their physician's orders Lincoln Financial Group follows no rules or policies. Lincoln Financial continuously offsets my son's LTD benefits. It is upending his already difficult life. Hartford is the worst Insurance company I have ever dealt with Unum has no sympathy for disabled people!! Dealing with Unum made me depressed and want to give up I don't know what to do because they keep telling me different things. It’s ridiculous I don't understand how a company so big can be so hard to deal with MetLife cut me off from my job COLD I couldn't force Unim to pay up because they strategically kept me in limbo, never denying my claim Everyone gets paid but the one person who needs it most LFG claimed my documents got lost – even when I sent them proof of delivery by U.S. Postal tracking Never received a single payment from Unum I want to sue Cigna It's been over 3 months, and I've only received one payment from Aetna This company makes the process impossible. They're terrible Beyond stress after MetLife denied my STD claim Lincoln Financial is taking months to provide me with my benefit checks. I'm unsure where to go from here. I keep getting the run around Principal is absolutely ridiculous. I'm in financial harship after not receibing my full pay from work and exhausting my long term sick Just got denied. Don't know what to do next. The Standard will threaten to withhold your pay until you sign every document that they send you. The worst part is when they consider back payment for SSDI benefits It would cost me more to fight Prudential than to let them get away with their games This fraudulent company is such a joke I have given Cigna all that they request. Now it seems like they are giving me the run-around. MetLife decided I was no longer disabled 6 weeks into my 13 week plan Lesson learned, disability insurance is a complete waste of money I do not understand how a “medical review team” who has never laid eyes on my wife can say she is able to return to work when her doctors who see her on a regular basis have documented that she can't We have dealt with Lincoln Financial for nearly two months to no success Lincoln Financial approved my claim after I was denied WC, but now they won't pay me. Cigna took a snipped of my medical record and ran with it. They didn't care tham my CHILD had just been killed. All Lincoln Financial does is STEAL YOUR MONEY I pay them for my service. And they treat me like this. Shame on them. LFG has been nothing but a headache Thank you so very much for your website, and for educating the public about this ugly, evil corporation. Stress over Guardian caused my heart attack Standard's sudden denial was inexplicable Cigna thought I wasn't physically impaired when I was on BED REST Aetna people are thieves, crooks and liars. I got nowhere trying to play Cigna's appeal games. Thank You, Dell & Schaeffer for resolving my case!! This company is a bunch of thieves. I promptly sent my overpayments to Lincoln Financial, but now I haven't heard from them in months. Cigna promised me 60% of my income and gave me nothing Cigna has not paid me a dime in months Standard has keep me jumping through hoops for years delaying a decision forcing me to keep paying them premiums for a policy I believe they never had any intention of paying. Cigna expects me to do a range of motion tests when every time I try to move I want to cry Please, don’t take insurance out with this company. Reliance Standard never answers or returns my calls, has not provided me my benefits, and falsely claims I never provided necessary paperwork. Prudential told me I would have a decision today, and now the need another week. Guess what, I'm still broke Hartford denied me after their "doctor" thought I was fine after 15 years of payments I'm unable to return to work because Lincoln Financial won't track my calls after claiming I never called them. The IRS should know that Guardian refuses to send my W-2 form My knees have gotten so bad that I just had knee replacement. Meanwhile I've been waiting to receive my benefits from Lincoln Financial, and my case worker is no help. Unum is in the business of denying claims and maximizing profits – with no paper trail to prove their criminal operations because they don't answer calls or emaisl Even my employer doesn’t understand why Cigna denied my claim. I don't know what to do Unum's "experts" contradicted what my Umichigan doctors say Cigna is not there in time of need Had to go back to work with no surgery and a ruined credit score Still waiting for LFG to approve my claim Hartford told me TODAY my benefits are stopped effective TODAY Aetna is definitely committing a crime and they need to be stopped. I hate Aetna Prudential is the most dishonest and immoral company ever! Reliance Standard is unreasonably prolonging the transition from STD to LTD for my boyfriend. Aetna denied me and then I got fired from my job I am sick and tired of getting ignored Guardian cancelled my husband's claim without checking his medical records. Do better. We have children to feed and bills to pay. Principal owes me 60k Cigna says I am well and able to work. I wish my brain and body got their memo. Cigna thinks it's ok to mess with my life My experiecne with Cigna has been a complete headache Hartford terminated my benefits after they sent my forms to the wrong address Lincoln Financial denied my benefits because they claim I can work a desk job, even though that is the very job I had to leave previously. Mental health LTD should be covered under the Mental Health Parity Act THEY SCAMMED ME AND DID NOT CARE I am so stressed out I can’t sleep at night. MetLife is a joke Guardian has built-in denial for self-employed individuals I tried working a small job my friends offered me, and instead of offsetting my benefits Lincoln Financial is terminating them. Sun Life doesn't tell you about their STD criteria, not do they let you know when your claim is denied Why are we allowing LFG to get away with such nonsense?? I am so tired of dealing with Aetna Unum denied reinstating my disability payments after I was diagnosed with arthritis I am about to lose my money to these thieves Aetna denied my appeal and now I'm out of money These people/company are horrible. No one should suffer from their greed Guardian has the least helpful folks I have ever met What a pathetic company SunLife said my condition is more mental than physical (it's not) and said I've have to take a lump sum Got the run around for 9 months. My quality of life is gona Cigna is denying my wife's benefits even though she is unable to go back to nursing or make 80% of her income. Aetna is a bunch of hypocrites and your typical slimy, rip off, no pay insurance company. I have lost my car, credit, and family MetLife's games have made me lose the car I haven't received a single check my Sun Life Unum denied our claim because of "lack of diagnosis" leaving us bankrupt. Sorry, Unum, but some conditions don't have a diagnosis yet. The appeals process with Reliance Standard is very frustrating. I'm not sure how to get an answer from them. Worst experience ever Prudential has caused so much stress on me sometimes I just breakout crying. I will be LITERALLY living in my car if Aetna persists with their games Unum denied my claim for not returning to work after 3 days when they had already approved 3 weeks Cigna denied my claim because they thought there wasn't enough evidence. I haven't had a life in months I lost everything when Principal terminated my benefits without calling or emailing me This is definately a company thats in it for the bucks!! I hope bad karma catches up to them Cigna denied my LTD claim after my serious car wreck Aetna has been giving me the run around and denied my claim Aetna is a horrible company to work for I feel like I have been scammed!! BEWARE My Dr. never gave Cigna my medical records, so I lost my car MetLife hiring a pi to follow me + denying my claims heightens my anxiety I feel as if my husband was robbed by Aetna Hartford's lack of help has left me struggling to pay my bills I've been fighting SunLife for STD for 2 months and I've only received one week of payment MetLife refused to pay me for 8 weeks Lincoln denied my claim because my doctor wasn't in the office – on his day off!!! – to answer their call SunLife took 4 months after I declined their lump sum to deny me SHAME ON YOU SUNLIFE. I am in need of help in handling my appeal with Lincoln Financial. LFG made my PCP – who said he was not qualified – complete my forms Aetna ignored my very detailed medical information and denied my claim I'm fed up with this insurance company They don’t return your calls. And when they do they try to trick you into making a false statement. If you work for a company who offers Guardian, tell them NO and get a non ERISA provider. Guardian lied about my options and then tried to tell me I'm not disabled I don't understand why Unum terminated my benefits Hartford denied my appeal even after Dr. said I couldn't work and after I qualified for govt disability Hartford changed criteria of how they determine I'm disabled Verizon won't let me back to work due to confusion over Met Life doctors They are playing games I've sent Aetna every single piece of paperwork that I have but they keep asking for more, refusing to listen to me Rather than helping customers with their claims, Aetna finds ways to deny them I cant but feel I am being starved out and given the runaround. Prudentials overpayment paperwork makes no sense and they are trying to get my kids involved in my claim Aetna sucks!! Lincoln Financial is trying to pay for only a fraction of the time I'm supposed to be out of work, and requests more records in order to extend the coverage. Met Life has the power to ruin your career This company is purposely denying claims I feel stuck Not sure if it’s worth fighting these corporate vultures Our worst experience ever! Reliance Standard is trying to reduce my LTD benefits because of once-a-month work in the military reserve. MetLife drags claims out because people become tired and give up. I will fight them. I have NO money coming in. I'm so frustrated I could cry. Met-Life lied to my face. They know I don't have the money for these constant visits, but they don't care SunLife's behavior is outlandish and criminal to say the very least At some point, SunLife needs to be held accountable for their tactics against people without the means to fight back I hope I never have to deal with these people in life!!! They lie as easy as they breathe not to pay off claims. Prudential is the worst insurance company I've had to deal with Different Unum representatives told me my claim was both approved and denied?! My doctor of 2 years changed his mind abt my disability after speaking with Lincoln Financial… Principal owes me 4k SunLife repeatedly claims they have not received my faxes Lincoln Financial keeps denying my LTD claim even though multiple doctors say I can't work. Lincoln Financial found a doctor purely to contradict my husband's doctor's orders. Even though my spinal illness is very well-documented, Reliance Standard has yet to transfer me to LTD. AETNA IS A THIEF!! Lincoln Financial denied my LTD claim, but I didn't appeal it within 180 days. Looking to potentially appeal now. Lincoln Financial doesn't want to know the truth about your disability, they just want to find ways to say you're not disabled. Cigna is the worst insurance company I have ever had to deal with. Yet another person screwed by Guardian's corporate greed ARE THEY CRAZY?!?!? Is this fair?? I'm owed for each time Metlife denied my claims, as well as wrongful termination. I can't get someone to be honest with me from MetLife. I've never worked with people that are so obviously stalling before. Bunch of crooks My husband's STD claim is close to switching over to LTD. We want to know more about the process, but Lincoln Financial won't provide any information. Aetna makes me bug my physician to sent stuff he already sent Reliance Standard pays measly benefits at the cost of constant requests for paperwork. Unum demanded to see all information on my checking account to monitor if I'm getting extra income. Seems illegal to me UNUM has been stailling by saying they're waiting on medical records. Same old tactics SunLife's hipster with zero medical experience thought he knew more than my doctor THIS COMPANY IS RUTHLESS. NEVER AGAIN WILL I BUY ANYTHING FROM AETNA. I am sick of dealing with them!!! They are crooks!!! Reliance Standard is attempting to doctor shop and send me to an unqualified specialist. Stay away from buying any Long Term Disability from Aetna We want our money, not the run around! I’m sure Cigna's shareholders made a nice profit while my life was flushed into a 10 year nightmare that will never end. Aetnas thinks they can get away with not paying you for weeks on end This company is awful They are liars, spies, and theives. Hartford basically told us that we were out of luck Reliance Standard is inconsistent with their payments. I am beyond unhappy with Cigna Cigna closed my case because they didn't have my info; yes they did. I'm not waiting for a review We have sent over all of the medical records Lincoln Financial has requested, yet they keep saying they haven't gotten any of it from my sister's doctors. Never in my life have I been treated with such disrespect 2 ways Principal harms disabled employees Is it worth keeping up with all of the paperwork when Reliance Standard is only giving me $100 a month? Hartford is a company of thieves. They should be ashamed of how many people they've caused hardships I think what Cigna did is illegal Principal nurses try to override my doctor My STD claim with Lincoln Financial has been in medical review for a long time. I'm beginning to get worried. I hate these people Standard Insurance Company is NOT here to help employees Met Life insensitively thinks "everyone has back pain" This is criminal. They cut my husband off without telling him. I can't believe our government allows this company to continue with their fraud Lincoln Financial won't provide me with any updates or information regarding extending my claim. This company needs to be put in their place. Even my doctors are upset with their harassing nature Cigna will claim you have a pre-existing condition to deny your claims Cigna scammed me I need a lawyer against Aetna. I am so stressed out! SunLife cut me off even though I was stage 4 cancer. BEWARE MetLife claims my doctor didn't send them the needed info. I watched him do it. I don't understand how Aetna can do this. I'm scared!!! Aetna denied my premium waiver despite being diagnosed with Phenochromocytoma and having tumors THANK YOU SO MUCH ATTORNEY STEPHEN JESSUP! The Standard thought my condition was preexisting and denied me Aetna won my case by saying I had a pre-existing condition when I didn't My bank is overdrawn, I ruined my credit, I am accumulating late fees… thanks Cigna Unum is a big joke. They're dragging their feet to avoid paying me LFG paid my brother's claim in 2013, but they are refusing now – for the same condition This has been a very long and hard road I feel like my hands are tied with MetLife My experience with Guardian/Berkshire was appalling and ridiculous I need help in appealing my claim with Lincoln Financial. This is the worst ran company for people in need I have ever seen. I was left with no choice but to return to work I want to sue this company for all the stress they've caused me Reliance Standard unfairly denied my LTD claim due to a pre-existing condition. Hartford's doctor was a joke. I think they're trying to cancel my benefits. Unum denied my claim over nonsense. They lack respect Hartford has brought me so much stress Sun Life’s reputation of delay of claim processing is inexcusable and one of the worst in this industry Seeking relief against Reliance Standard through the Insurance Fair Conduct Act. I don’t know if I'm more upset about being denied or being denied without being told I take 9+ prescriptions every day but Cigna still denied me Major financial suffering because Reliance Standard wrongfully denied my disability benefits. My work place has put me in a tough spot with Lincoln Financial. My partner and I have been continuously harrassed by Reliance Standard for paperwork, and now want to pursue a lump sum for undue stress. Hartford takes advantage of disabled people. My experience has been exhausting. Lincoln Financial disregarded my wife's dopctor's diagnosis and denied her STD claim. I am so tired of fighting for the benefits that I deserve based on the policy I paid for. I would encourage anyone who has problems with Mutual of Omaha or United of Omaha to immediately contact an attorney. There's what I learned: Reliance Standard has yet to give me the correct benefit amount, even after pointing it out to them myself. This is a very deceptive company… Reliance Standard is trying to claim SSDI payments we never received as offset for my husband's LTD benefits. Prudential continually harasses me and my family I feel that this is age discrimination Despite overwhelming evidence to support my husband's claim, Lincoln Finacnial keeps prolonging a decision on his appeal. My doctor checked the wrong box, so Aetna denied me and refuses to listen Chronic pain patients should file a class action stuit against LFG Need advice on how to best deal with Reliance standard. At this point, Aetna is questioning my disability Unum's stalling will force me to either sell the house or the car If I am unable to pay the full lump sum of overpayment to Prudential, can they just with hold my LTD checks till it is paid off? LFG is nothing but a scam ripping people off. Flush your money Aetna seems to be crying for a class action suit. Make sure I’m on the list! I call every day and am met with rude workers who do not care about you in the least. Horrible company. My claim was handled so unprofessionally – almost no written communication from NW Mutual I would not trust MassMutual in any service they offer Battle with MetLife is like battle with cancer Reliance Standard refuses to give my recently deceased aunt's life insurance benefits to my family . I am tired of waiting on Met Life My disability monthly payments have been unlawfully cut off I can’t understand why I am being penalized for their incompetence Reliance Standard is insitent upon holding up my benefit checks. NWM refused to have a hematologist review my claim since my "numbers are currently normal." They ignored my primary concern of relapsing This process has been so difficult that I couldn’t focus on getting better This is the worst!! Reliance Standard offset SSDI benefits I never received, and now won't give them to me due to initial refusal. Unum has been consistently lying to me. At least I'm not the only one. Prudential claims I owe them money when I don't LFG holding "dependent allowance" out of my checks when I don't have any dependents Reliance Standard is unbearable! Retain legal counsel before applying a band-aid to MetLife's wounds I went from being on top with my career, having all material needs met to losing everything because I’ve gone the last 7 months with no income Even though I have enough medical evidence to prove my disability, Lincoln Financial keeps denying my claim. Met Life, being clean shaven doesn't mean I'm not depressed I don't trust Cigna I'm just tired of all this harassment MOO attempted to strong arms me with collection tactics. Now, they're stalling Thanks to Prudential, my family will be living under a bridge soon Aerna has denied my claim 4 times Hopefully something can be done to stop Hartford's greedy claims! MOO stopped my husband's benefits before telling him. They handled his claim terribly After two successful approvals of my STD claim, Lincoln Financial suddenly denied my STD claiming I had no certified medical condition. The financial stress that Cigna puts on people should be against the law As disabled persons we need someone fighting for us against corporate and government greed. Interacting with Lincoln Financial has gone well so far, looking for advice on how to improve my chances of being approved for LTD. Prudential knowingly asked me to attempt to break the law I am so angry that Prudential can get away with this I was harassed while working for Aetna Unum stopped my disability benefits at age 65 after telling me they would never stop Dealing with Lincoln Financial was a struggle, and they cut me off even though I have a proven disability. LFG cherry picks whatever information benefits their needs to deny my claim I suddenly stopped receiving my STD benefits from Lincoln Financial because my therapist could not give them sufficeint information. My specialist took me out of work, but Lincoln Financial denied my claim on the grounds of not seeking consultation, which was never part of the original claim. Cigna gets away with age discrimination on a routine basis Aetna is shady Cigna paid me, denied me, then demanded overpayment, and then refused to conver mental health Principal told me not to appeal Lincoln Financial denied my daughter's claim on the basis of repeated calls to the doctor's office, when in reality they had never contacted them. The stuff UNUM made up about me is unbelievable I’m very disappointed with Aetna! Through fraudulent practices both of my appeals were denied! Sun Life should have to pay dearly for their screw up I've never seen such poor communication and such a slow process Cigna left me with no income; no one is gonna hire me I think Hartford scheduled a docotors appointment for me (without telling me). Weird?? I need help on an appeal against Prudential My husband's claim with Reliance Standard was denied because his employer never mentioned the financial eligibility requirements for the policy. Aetna really left me in a terrible bind. Do not use Aetna! They ruined my life Reliance Standard continues to harrass me about denying my benefits, even though I'm clearly unable to return to work. Cigna dropped me as soon as Social Security was approved. I am not giving up. What LFG is doing can't be legal My coverage got denied after meeting with Unum's doctor I am physically not able to work, but Hartford wants me to Standard based their denial on a confition that I do not have $7k and 3 months later and Guardian is still "working on it" and asking me to "be patient" No matter how I send my medical records, Reliance Standard consistently claims to have never received them. Standard made my leave a living hell What can I do if Unum has declined my clain twice? Guardian dropped me and now, no one will hire me Unum claimed I was self-insured when I wasn't Cigna made my anxiety 10x worse SunLife said they were too busy to talk and then tweeted my daughter in law I know Standard's denial letter is coming Stanfrod declined my MS claim I can't do anything, but Cigna says I can work and they are denying me what I paid for for several years. Unum should be ashamed of the lies they put in my denial letter Aetna denied my claim, so I can't afford my medical treatments or house bills What Cigna does to us is horrible This company’s behavior is despicable and, frankly, cruel. Met Life is legalized extortion I asked LFG head of appeals if he'd ever Googled the company and seen the pages upon pages of their shady practices. He changed the subject Cigna said if I had gotten a knee replacement I would have been eligible for benefits. Sorry Cigna, my knee had to wait when I was in the hospital 4 times for my bipolar disorder LFG nurses can question the decisions of my neurosurgeon. What a joke Principal’s short term disability insurance is all lies. They will deny your claim any way they can Cigna denied me one week before heart surgery SunLife knows people are going to be disgusted and just give up I have a chronic illness that will never get better, yet Standard thinks I can work All I need is unpaid leave for about 50 hours not 12 entire weeks. Worst customer service in history of time. Doctors intimidated by plethora of Guardian paperwork I feel very much in the dark & filled with stress & anxiety When you talk to Guardian agent, you feel like your talking to a corpse Why do they want me to give extra info on a condition that will never get better? It feels like bullying I'm dealing with a battle with cancer. Add a legal battle with Lincoln Financial Reliance Standard says that I owe them $8,000 in offsets from benefits I never claimed/recieved. Do not truest these crooks! Reliance Standard is trying to claim I owe an offset of nearly double what I actually was awarded. Cigna thinks my Parkinsons got better. It's a progressive debilitating disease. Having difficulty seeking a lump sum buyout of my LTD with Lincoln Financial. I can’t see how a company can legally do this They suck! Thanks for nothing, Aetna!!! Why do I pay to have such misery in dealing with a company?? I can not stand their horrible business practices. Cigna is a bunch of mean jerks that reduce their liabilities by any means. Aetna cut off my benefits 5 days early I don’t think it is right for Cigna to require you to apply for SSDI and even assist with the process and then after approval from SSDI drop you Aetna kept getting a 45 day extension to review my appeal. They are incompetent! Stress over Cigna is making me so much worse!! Unum refuses to approve my STD The system Aetna has in place is very BROKEN. I was receiving STD and LTD from Reliance Standard without a problem until they suddenly denied my benefits without warning. I was approved unpaid medical leave by Wells Fargo, but was denied LTD after Lincoln Financial mis-represented and misquoted my doctor. I can't get in touch with Cigna RUN WHILE YOU CAN! I was scammed. I was denied LTD coverage by Reliance Standard because my cancer was deemed a pre-existing condition. This is a horrible place to work for. Hartford gives my son $59 a month even though his treatment is almost $10k per month I can't handle the constant harrassment from Lincoln Financial for my medical information. These people are thieves They are making me crazy from the stress and anger. This company is very corrupt, Be aware I lost my job after Cigna denied my FMLA They don’t care how you feel. They want you at work and will even trick your doctor to send you back Aetna thought my orthopedia surgeon's restrictions weren't good enough Seems unfair and illegal that an employer can fire someone for being disabled and then the insurance carrier can turnaround and deny benefits on a case that began prior to termination Reliance Standard denied my LTD based off of an inaccurate job requirement. Sun Life is the absolute worst company I have ever dealt with After receiving SSDI, Reliance Standard delayed their payment adjustment and I can't get a hold of my case worker. Lincoln Financial is threatening to deny my benefits because I haven't yet provided them with my restrictions/limitiations as a result of GI complications. Generally the people you contact are helpful and courteous, but those who work in the background are NOT at all. QUESTION EVERYTHING! Working with Cigna has been a nightmare Prudential is basically waiting for my boyfriend to die Mutual of Omaha is a rip off. I haven't been denied, but LFG quit paying me. I think I was treated wrong by them and my employer My experience with Reliance Standard and how to save yourself a lot of trouble dealing with them. Standard denied me because I didn't report my injury immediately. Sorry, I didn't realize it would be disabling… I went trhrough pure hell to get approved and now Prudential wants more info I lost my job, I can't go back to work, I have an appeal deadline approching fast and no one will take my case… thanks Cigna I wish SunLife had to pay for the hunger and humiliation they caused me Cigna is full of crap MetLife trying to find reasons not to pay. I'm so frustrated and stressed I never can get the same person on the phone and it’s just a run around. MetLife changes their mind about my payments Cigna will probably deny my claim again I have nothing but praise for Lincoln Financial Group and for Mr. Dell Lincoln Financial is a bunch of crooks. Cigna left me with no choice but to return to work – even though I shouldn't have I lost my job in the 2 years I fought MOO Unum won’t return my calls. Going to be a long fight. I'm living in a moblile home because of Prudential Cigna thinks that just because my husband does not have active cancer he can work. What kind of knowledge does their medical staff have? Thank goodness for your law firm. I hope you are able to help others receive the support they need. MetLife justifying denying my claim with a condition I never had Hartford didn't give me increased benefits as my income increased Principal determines the length of your disability. NOT YOUR DOCTOR OR YOUR RECOVERY RATE. NW said my relatives' claim was "not justified" and double the premium for no reason Guardian is designed to get claims denied rather than approved I’m not disabled in MetLife’s eyes, even though I cannot do daily tasks and am on over 5 medicines. My claim with Lincoln Financial has been denied twice, and I'm at a loss as to what to do now. I couldn't get an urgent surgey because of Aetna. Now, I have permanent neck damage, and I lost my job/house/car After they miscalculated my salary and overpaid my benefits, Reliance Standard is now attempting to make me pay back their overpayment. I've been in a battle with SunLife for 5 years I was wrongfully targeted by Reliance Standard and went to prison because of it. Sunlife sucks. They’re trying to bleed me dry, hoping I’ll go away, but that’s not going to happen. I don’t have anybody financially able to take care of me. I need my disability back! CIGNA LTD DISABILITY IS A SCAM! They are making me crazy CIGNA needs to be banned from selling insurance in the USA I don’t understand how they can get away with this Omaha's nurses can override my doctor and state disability office I'm not very confident that Standard sent my records for physician review based on what I'm reading in this comment section Reliance Standard keeps putting off their decision on my STD/LTD claims with them. People are Standard are such big liars and they are not trained in the field They are crooks who don’t care about anything except making sure they deny claims and save money. Everyone needs to flood Cigna, the media and the public. Lincoln Financial Group suddenly decided that I was no longer disabled In spite of no evidence that I had gotten any better I want to sure Mutual of Omaha for the stress they've caused me I can't walk but Standard thinks I can work Hartford LTD Co. is worthless. I won my appeal but have no recourse for attorney fees The people making decisions at Cigna aren’t even physicians Despite my various medical conditions, I've only received partial benefits from Reliance Standard and am on the verge of another denial. Unum should be put under federal watch list Money is going in their direction everything is OK, but the minute they have to give any out it’s good luck Charlie. Reliance Standard wants me to see an IME that's biased towards my employer and the insurance companies. Reliance Standard is making me jump through hoops to receive my benefits, and I lost my house because of it. Does this company really think I'll be ready to return to work one month after a major surgery?? Can Hartford make me turn over my joint tax returns and SS statements? If they came to see me, are they going to deny my claim? MetLife turned one hour of testing into the decision that I could work 8 hours a day, 5 days a week Disability Insurance is a rip off Really unethical company! MetLife closed my disability claim on short notice with no explanation Prudential is an absolute disagrace Hats off to CIGNA for making another segment of a person's life miserable! Thanks for having this comment section – it helped me to understand some of what Cigna was trying to do. God bless you. I'’m disabled and I will sure stay away from this company. Do not use Reliance Standard's reccomended Social Security Lawyers If Hartford wants an interview, have someone else with you and ask to see their video of you before the meeting!! Unum has repeatedly abused their obligation to accomodate both injured and sickly claimants to save their company’s money Hartford is a ripoff Cigna is quick to send me letters expounding on my obligations but they make no mention of what THEIR obligations are under the policy. My time with Reliance Standard has been terrible! I'm appealing MOO's decision and I expect much more run around All I can say is that I will never use MetLife again Guardian just plain refused to settle Hartford is a joke Hartford terminated my benefits just like that Unum has devious ways to diss you completely. I'm contacting my Reps, Senators, and the President I've been trying to get a MOO claim paid for 8 YEARS My Unum case workers told me "people that have seizures work everyday. What makes you any different?" I feel useless MOO said they didn't receive my fax when I know for a fact they did I don't understand how Prudential has the right to treat me like this I don’t see how Sun Life can deny continued benefits. Add my name to Unum's list of those fraudulently turned down by Unum It's ridiculous that Unim can make me pay for money that went to my ex-wife This is robbery of the poor. Lincoln Financial is a joke, no doubt about that Hartford people are rude, difficult to deal with, etc Unum ranked 2nd on Wall Street Journal's list of companies that would noy pay their claims Met Life took my stress to an entirely new level How can anyone live on Hartford's miniscule benefits? Hartford beats you down I used to have a career. After Standard, I'm homeless with no income Lincoln Financial Group is, by far, the worst company I’ve ever dealt with. I do not understand why people who really need the benefit cannot receive it My doctor put me on bed rest, but Lincoln Financial said "nope, you can work"??? CIGNA and their employees are a disgrace. Don't buy insurance from this company. You may really need it, and – trust me – it won't be there for you The public has had enough of companies like Hartford!! My doctor’s office stated they have never dealt with such difficult people before Reliance Standard witheld payments from us due to their own miscalculations It is sad that an insurance company can be so dishonest/tricky. BAD FAITH Reliance Standard is seeking reimbursement for alternative benefits they are falsely claiming I received. Reliance Standard is a scam! This company is a scam Unum demanded I give them my children's money without ever telling me I would have do to that Lincoln Financial illegally used a nurse to close my claim for a disease that medical science knows very little about All Reliance Standard does is stall payments, and now I've lost other medical insurance because of it. This company is horrible After all the fraud and stress they put us through, Hartford should get investigated Reliance Standard should be paying for my STD claim, but they won't return my calls. I've been with Unum for more than 10 years and they still treated me terribly Just another big company screwing the little people. It is sad that they can get away with what they do. This crap with Hartford long term short disability has been going on for years. Can a disability insurance company claim an overpayment for social security disability benefits payable to a child as result of the parent's disability? Standard denied my claim even though my doctor said I couldn't work I have been so shocked about Hartford’s lies – it is disgusting. UNUM are bold face liars and cheats This company is a total ripoff NML says I have no limitarion and is refusing my benefits Standard had someone watch me for a week Hartford did every dirty trick in the book It’s a shame for them to use the word integrity in their mission statement or use the name “Lincoln” to compare the company to. Pathetic. Cigna told me to just "go back to work" Hartford has financially crippled us. I was so mislead UNUM is trying to intimidate and strong arm me We are dumbfounded! Cigna says they are working on it but I don’t feel my welfare is their concern. Cigna gets away with denying STD when LTD is denied Aetna has given every excuse in the book to not pay me The Hartford’s favorite word is “NO"! LFG told me "pain doesn't stop you from working" Cigna is giving me the run around. They dropped me like a rock after Social Security paid the back pay Hartfford should live with the pain I have. I'm more sick because of them This “company” should be brought before the Dept. Of Justice for their TOTAL disregard for the law. CLAIM TIPS Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company Disability Benefit Denial Reason #3 - Video & Social Media Surveillance How Do You Fight a Long-Term Disability Denial? 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