Sitemap QUESTIONS 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? 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? RESOLVED CASES 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 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 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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 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Can My Insurance Carrier Deny My Benefits Even If There Is No Change In My Medical Condition? Is A Claimant's Complaints Of Pain Enough To Qualify For Short Or Long Term Disability Benefits? What Are My Options If My Long Term Disability Insurance Claim Has Been Denied? Does Having A Disability Insurance Attorney Raise A Red Flag? What Can I Do If The Disability Insurance Company Is Delaying Disability Payments? Can A Disability Attorney Manage All Aspects Of My Disability Insurance Claim? Why Is It Important To Hire A Disability Attorney Experienced With ERISA Disability Claims? Can I Hire A Disability Lawyer to Help with my ERISA Appeal? An ERISA Long Term Disability Appeal Is Challenging Aetna Long Term Disability Lump Sum Buyout or Settlement Our Lawyers Help Great West Life Disability Insurance Claimants Appropriate Medical Doctor is Key to Long Term Disability Approval Metlife Long Term Disability Lump Sum Buyouts Is it Legal for A Disability Insurance Company to Force A Social Security Disability Application Attorneys Dell & Schaefer 2016 Halloween Costume Contest Hartford Disability Claim Problems Clinton and Trump Agree that Disability Insurance Companies are Bad Physical and Mental Disabilities: Can Disability Benefits Be Limited? Common Issues with Total v. Residual Disability Benefit Claims Video Cigna Disability Benefit Denial Won on Appeal by Alex Palamara Lloyd's of London Long Term Disability Dentist Disability Benefit Claim Information Video Ameritas Disability Benefit Claim and Denial Help Prudential Disability Benefit Denials Are Common New York Life Disability Denial Claim Help Sun Life Disability Denial Reversed on Appeal Liberty Life Disability Denial Claim Help Principal Disability Benefit Claim, Denial, Appeal and Lawsuit Information from Disability Lawyers Mutual of Omaha Reverses Long Term Disability Benefit Denial Northwestern Mutual Disability Denial Lawyer Help Hartford Denies Disability Claim After 7 Years of LTD Payments Unum Disability Benefit Denial Trends, A Legal Perspective Aetna LTD Denial Reversed for Failure to Address Medication Side Effects Disability Attorneys Dell & Schaefer Legal Services Aetna Disabilty Denial to Woman With MS Reversed Following ERISA Appeal Hartford Disability Appeal Won by Lawyer Alex Palamara Prudential Disability Insurance Claim Trends, Lyme Disease and Neck Disorders Metlife Disability Insurance Claim Information From Lawyers A Disability Lawyers' View of Cigna Disability Claim Handling Mass Mutual Long Term Disability Claim Information What To Expect At An IME Exam Requested By The Hartford Disability Insurance Benefits For Mental Disorder Claims Disability Insurance IME Exams Are on the Rise Hartford Disability Denial At Any Occupation Stage Reversed Lincoln Financial Group Disability Insurance Claim Trends Private Disability Insurance Benefit Denial Legal Options ERISA Disability Benefits Lawsuits - What You Must Know Does It Matter Who Pays My Disability Insurance Premiums? Is There A Time Limit To File An ERISA Disability Lawsuit? Your ERISA Disability Benefit Appeal Must Include Everything Can I Get Unemployment and Disability Insurance Benefits? Watch Out For a Disability Benefit Denial Strategy Used By Cigna Insurance Co. The Standard: What To Expect With A Long Term Disability Benefit Claim Is Unum Denying More Disability Benefit Claims Than Usual? Applying for short or long term disability insurance benefits should not be done alone Fibromyalgia and Chronic Fatigue Disability Benefit Legal Update Guardian Life Disability And What To Expect When Seeking Disability Benefits Jackson National Disability Insurance Claim Help Video Tips About a Unum Medical Examination in a Disability Benefit Claim Prudential Disability Insurance Buyout or Lump-Sum Settlement Beware of Mental Nervous Limitations in Long Term Disability Benefit Policies? Important Steps to Take for an ERISA Disability Benefit Appeal Are Attorney's Fees Recoverable in an ERISA Disability Denial Case? Business Overhead Expense Disability Insurance Claim Information Video Third Party Administrator Role in Disability Insurance Claims PTSD Long Term Disability Insurance Claim Information Aetna Long Term Disability Claim Denial Information Hartford Disability Settlement and Lump Sum Buyout Help Cigna Lump Sum Buyout & Settlement Disability Claim Assistance What is an Attending Physician Statement and how should it be completed? Chronic Pain And How it Relates to Disability Insurance Claims For Long Term Benefits Can the disability insurance company call my doctors without telling me? 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? Arizona: Disability Lawyer Wants You to Know that Disabilty Benefit Denial Help Is Available Disability Lawyers Helping Insurance Claimants in Georgia & Nationwide with LTD Benefits Indiana: Our Disabilty Insurance Lawyers Help People With Disability Benefits Nationwide Massachusetts Disability Attorney Helps Claimants Denied Disability Benefits Nationwide Michigan: A Disability Lawyer Helps Insurance Claimants With Long Term Disability Benefits Virginia: A Disability Lawyer Helps Disability Insurance Claimants At All Stages Washington: Disability Lawyer Help With Disability Insurance Benefits Nationwide Pennsylvania - A Disability Lawyer Helping Insurance Claimants Nationwide Texas Disability Lawyer Helping Disability Insurance Claimants Nationwide New York Disability Insurance Lawyer - LTD and ERISA Disability Benefits Disability Benefit Lawyers Helping Disability Claimants in Illinois and Nationwide Great-West Life Assurance Company - Disability Insurance Claim & Denial Hartford Disability Denial of Woman with Sjögren's Syndrome Reversed by California Court 24 Month Self Reported Symptoms Limitation in Unum Disability Policy Case Study Prudential and Liberty Life Reverse Disability Benefit Denial for Two Stroke Victims A Mental Health Limitation disability benefit denial by Principal Financial after 24 months Cognitive Limitations Create Difficult Issues In Obtaining Disability Insurance Benefits Malingering and Disability Insurance Claims - What Does It Mean? OB/GYN Resolves Unum Long Term Disability Claim With Confidential Settlement Free Legal Consultation with Disability Attorney Dell & Schaefer Tips For Doctors Seeking Long Term Disability Insurance Benefits, Application & Denial Bad Faith Disability Claim Denial and Lawsuits Tips for handling a denial of a Waiver of Life Insurance Premium due to a disability Has Trustmark Disability Advisors Requested An Interview About Your Disability Claim? Legal Representation During Your Disability Insurance Claim By Disability Insurance Attorneys Long Term Disability Insurance Application Process for Doctors, Surgeons & Dentists Disability Attorneys Dell & Schaefer Help Disability Insurance Claimants Nationwide Prudential Disability Insurance Claim Denials Resulting In Lots of Appeals & Lawsuits Parkinsons Disease Long Term Disability Claims Information & Help Cancer Long Term Disability Claim Video Will The Cigna Disability Insurance Settlement Agreement Cost Cigna $77 Million? Cigna Disability Regulatory Settlement Agreement for Pennsylvania Residents Cigna Disability Agreement for Massachusetts Residents Video Cigna Disability Insurance Settlement for Maine Residents Informational Video Cigna Long Term Disability Agreement Info for Connecticut Residents Video Cigna and California Department of Insurance Long Term Disability Settlement Agreement Cigna / LINA Long Term Disability Insurance Settlement Agreement Information Rheumatoid Arthritis Long Term Disability Claim Tips Irritable Bowel Syndrome Long Term Disability Claims Osteoarthritis Long Term Disability Claim Crohn's Disease Long Term Disability Claim Menieres Disease Long Term Disability Claim Chronic Fatigue Syndrome Long Term Disability Claim Information Knee Disorders Long Term Disability Claims Help & Information Shoulder Disorders Long Term Disability Insurance Claim Help & Information Stroke Long Term Disability Claims Information & Help Headaches & Migraines Disability Insurance Claim Help & Information Heart Disease Disability Insurance Claim Information & Help Lyme Disease Long Term Disability Insurance Claim Tips MS / Multiple Sclerosis Disability Insurance Claim Help & Information Fibromyalgia Disability Insurance Claim Help & Information Depression & Anxiety Disability Insurance Claim Help & Tips Disability Insurance Claims Dealing with Neck Pain and Disorders Insomnia Disability Insurance Claim Information & Tips Sleep Apnea & Long Term Disability Insurance Claim Tips Carpal Tunnel Short & Long Term Disability Insurance Claim Tips Reassure America Disability Insurance Claims, Benefit Denials & Lawsuits An American United Life Insurance Company Disability Lawsuit Assurity Life Insurance Company - Disability Insurance Lawsuits Information Boston Mutual Life Insurance Company Disability Claim Tips Companion Life Insurance Company Uses Video Surveillance to Deny Disability Benefits Dearborn National Fights to Deny Disability Insurance Benefits New York Life Disability Insurance Denial is Reversed Reliastar & ING Disability Benefit Claims, Denial, Appeals and Lawsuit Claim Tips from Lawyers Helping People with Disability Claims Handled By Trustmark Disability Advisors Video Monarch Insurance Company Disability Claims & Lump Sum Buyouts UNUM Lump Sum Settlement / Disability Lump Sum Buyout The Standard Insurance Company - Disability Buyout or Lump Sum Offer? 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. Lawsuit, and Claim AIG Disability Insurance Claim, Denial, Appeal and Lawsuit Information Disability Insurance Claim Tips For Disabling Back & Lumbar Pain Aetna Claim Denial Reversed After Aetna Disability Appeal Submission AXA Equitable Disability and DMS Disability Insurance Help From Lawyers If my social security disability claim was denied will my disability insurance claim be denied? 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? What Can I Do if the Disability Insurance Company is Delaying Disability Payments? 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? CASE SUMMARIES Federal Court Overturns Aetna Denial Of Disability Benefits Court Finds Irregularities in Procter & Gamble Long Term Disability Benefit Denial Federal Judge Makes Companion Life Insurance Pay Long Term Disability Benefits NFL Disability Review Board Ignores Evidence of Disability and Appeal Court Reverses Lower Court Decision Judge Agrees that MetLife's Denial of Long Term Disability Benefits was Reasonable Can Standard Insurance Company’s Failure to Raise an Issue be Considered a Waiver? Court Ordered Aetna to Pay LTD Benefits to Computer Engineer California Federal Judge Orders Standard Insurance Company to Pay Disability Benefits to Teacher with Lyme Disease Court Orders Aetna to Pay LTD Benefits to Plaintiff Suffering from CFS Reliance Standard Wrongfully Denies Life Insurance Waiver of Premium and Must Pay $188,000 Court Upholds Aetna’s Denial of LTD Benefits Under the “Any Occupation” Disability Definition A Judge’s 8 Reasons that Aetna Reasonably Denied Disability Benefits to Bank of America Employee Court Rules Plaintiff's Medical Records Was Replete With Evidence Supporting Claim of MS & Was Not A Pre-Existing Condition Court Rules That Aetna’s Failure To Consider Plaintiff’s Actual Job Duties Was Arbitrary And Capricious Court Rules That MetLife Improperly Limited Proof Of Claim To Only Objective Data Cigna Admits Error In Denying Disability Benefits Hartford Admits to Improper Offset, Agrees to Reimburse 10 Years of Wrongfully Withheld Money Was Eaton’s Denial of LTD Benefits for Ehlers-Danlos Syndrome Arbitrary and Capricious? Is Plaintiff Entitled to LTD Benefits When Unable to Work in Any Occupation? California Federal Court Overturns MetLife’s Denial of Disability Benefits Can Employer’s Transfer of Coverage Effect an Employee’s Disability Claim? Court Upholds Aetna’s Denial of Accidental Death Benefits Under Intoxication Exclusion Court Rules That MetLife Did Not Consider The Material Duties Of Claimants Occupation Court Upholds Sedgwick's Denial of Benefits for Claimant with Chronic Fatigue Syndrome Court Finds Video Surveillance Renders Claimant’s Self-Reporting Unreliable and Upholds Hartford’s Termination of LTD Benefits Court Upholds Reliance’s Denial of Disability Benefits to Riverboat Pilot Reliance Termination of Benefits Is Upheld When Evidence Was Conflicting 1 st Circuit Affirms Holding That Claim Is Not Subject To Pre-Existing Condition Provision Appellate Court Agrees with Zurich Decision to Deny Accidental Death Benefits to Wife of Man with Cardiac Condition Mutual of Omaha Disability Denial Upheld by Appellate Court Court Rules Plaintiff Filed Lawsuit Before Trustmark Denied His Claim After paying for 13 years Unum Denies Disability Benefits to Woman with Lyme Disease and Endometriosis Inexperienced Lawyer Handles Unum Disability Lawsuit and Fails to Provide Evidence to Support Occupational Argument Can Sun Life deduct Veterans' Benefits from a monthly disability insurance benefit payment? Is De Novo Review Correct Standard When AIG Failed to Comply with ERISA Regulations in Terminating LTD Benefits? Did U.S. Life Breach its Contract When it Denied Total Disability Claim of ABA Policy Holder? MetLife Pre-Existing Condition Disability Benefit Denial for Back Injury Reversed Can Medical Records Created After the Eligibility Period Support a Claim for Disability Benefits? Does Policy Language of Actively at Work Include Saturday, Sunday and Holidays? Can UNUM Deny LTD Benefits When Plaintiff Proves Eligibility by a Preponderance of the Evidence? Reliance's Termination of Disability Benefits was Arbitrary and Capricious When it Discounted Supporting Medical Evidence Without Reason Court Orders Western & Southern Financial Group to Pay Short Term Disability Benefits Is Remand Required If Plaintiff Proves Disability by a Preponderance of the Evidence? Do Courts Require Objective Medical Tests to Support a Fibromyalgia Diagnosis? The Standard's Denial of LTD Benefits for Financial Planner Upheld by Ohio Court Can Unum Deny My LTD Benefits After Paying For 15 Years? Programmer Denied LTD Benefits by MetLife Upheld by Court Cigna Denial of LTD Benefits for Schlumberger Shop Manager Upheld Court Orders Liberty to Pay LTD Benefits to Plaintiff Who Proved She was Disabled Missouri Court Rules Cigna Wrongfully Terminated Disability Benefits Court Agrees with Sedgwick and Finds Plaintiff's ERISA Lawsuit is Time-Barred Missouri Court Orders Cigna to Pay LTD Benefits to Medical Sales Executive Court Holds Plaintiff's State Claims Preempted by ERISA and Dismissed Complaint MetLife's Denial of LTD Benefits Was Based on Substantial Evidence Court Rules Proper Standard of Review is Abuse of Discretion District Court Holds That Reliance Standard Did Not Properly Consider Whether Traveling Nurse Could Perform The Material Duties Of Her Regular Occupation Met-Life Denies Benefits when Claimant Fails to Present Evidence to Support His Claim Ohio National Sued for Not Paying Brokers Who Sold Annuities Court Finds Prudential Abused its Discretion in Denying LTD Benefits Court Denied American General's Motion for Partial Summary Judgment Court Orders Principal Life to Pay Long-Term Disability Benefits to Plaintiff Massachusetts court overturns Unum's decision to terminate disability benefits after paying for nearly ten years 8th Circuit Court of Appeal Overturns Award of LTD Benefits for Disabled Walmart Employee Court Rules Against Unum Holding Plaintiff's Plan is Exempt from ERISA Coverage If Your Long Term Disability Claim is Denied due to a Pre-Existing Condition, All May Not be Lost LTD Claimant's Failure to Submit Timely Appeal Was Fatal to His Disability Insurance Claim Prudential Wrongfully Relies on Neuropsychological Report to Deny LTD Benefits After 12 Years California Federal Court Orders Metropolitan Life Insurance Company to reinstate benefits to disabled analyst Court Upholds Standard's Termination of Long-Term Disability Benefits Appeals Court Upholds Hartford's Termination of Disability Benefits District Court Ordered to Evaluate Unum's Pre-Existing Condition Claim California Court Overturns Prudential Denial of LTD Benefits Cigna's Termination of Disability Benefits was Arbitrary and Capricious Court Rules for Paul Revere/UNUM and Holds Plaintiff is not Totally Disabled Court Finds Aetna Had No Credible Argument Whatsoever To Support Its Decision To Deny Benefits To Claimant With MS Court Remands to Sedgwick for Reevaluation of Its Denial of Claim for Disability Benefits Court Criticizes Lina For Failing to Perform Independent Examination Aetna Ordered by Federal Court to Reconsider the Claim of Amazon Employee Disabled Due to Urinary Incontinence Unum Motion to Deny Total Disability Benefits to OB/GYN Denied by Tennessee Judge Metlife Denial of Long Term Disability Benefits For Heart Disease Claimant is Reversed Indiana District Court criticizes Aetna for denying benefits to Amazon Employee California Court Reverses Sunlife Disability Denial for Woman with Fibromyalgia Lockheed Martin Systems Integration Analyst Wins Long-term Disability Lawsuit against CIGNA Social Security Approval Does Not Mean Disability Insurance Benefits Must be Approved Court Rules Against United of Omaha's Determination of Disability Date New Jersey Federal Court Rules Against Aetna and in Favor of Systems Analyst Disabled by Degenerative Joint Disease of the Lumbar Spine Unum Tells a Pharmacist On Narcotics That She Is Not Disabled and Denies Benefits Court Orders Principal Life to Reinstate Long Term Disability Benefits Court Remands Finding That Reliance Arbitrarily Denied Disability Benefits Colorado District Court overturns denial of benefits by Life Insurance Company of North America Hartford Disability Company Field Interview Request and Video Surveillance Hartford Long Term Disability Benefit Denial Reversed by Minnesota Federal Judge Principal Life Disability Denial of Truck Driver Reversed by Washington Federal Judge Liberty Wrongfully Denies Long Term Disability Benefit Depression Claim Based on Filed Review United of Omaha criticized for relying on in-house medical review and failing to obtain independent examinations California Court Rules Disability Claim Accrues When Disability Terminates First Unum Cannot Extend Disability Appeal Review Indefinitely Court overturns United of Omaha's termination of Plaintiff's benefits after performing an unfair "any occupation" review Registered Nurse Disabled By Plantar Fascitis Wins Long-term Disability Lawsuit Against United of Omaha After Judge Finds Evidence of "Cherry Picking" 9th Circuit Holds That Release In Plaintiff's Wrongful Termination Lawsuit Bars Subsequent ERISA Benefits Claim California Court Overturns Prudential Denial of Disability Benefits District Court Affords Greater Weight To SSDI Award Than Surveillance Footage 7th Circuit Recognizes Chronic Debilitating Effects Of Fibromyalgia Court Rejects Expanded Mental Illness Limitation to Coverage First Circuit Finds for Plaintiff and Awards Retroactive Mental Health Benefits Prudential Denies Long Term Disability Claim Due to Insurance Fraud Texas Court Dismisses ERISA Lawsuit due to Judicial Estoppel Oklahoma Court Remands to Give Plaintiff the Opportunity to Respond to Unum's Allegations Federal Court Reverses Unum's Denial of Long-Term Disability Benefits Federal District Court Overturns Hartford's Denial of Long Term Disability Benefits Michigan Court Finds Plaintiff Eligible for Long Term Disability Benefits Prudential Denial of Disability Benefits to Employee that Was Disabled While Working is Reversed Liberty Mutual Ignores SSDI Approval and Denies LTD Benefits Wrongfully Hartford Denial of Disability Benefits to Claimant with Fibromyalgia is Reversed! 9th Circuit Clarifies The Definition Of "Sedentary Work" MetLife Denies Third Claim for Disability Benefits After Approving Two Separate Prior Claims for Disability Benefits for Chronic Fatigue Syndrome Sufferer Texas Judge Disagrees with Cigna and Applies Claimant Friendly Disability Standard of Review Michigan Court Reverses AT&T's Denial of Plaintiff’s Two Claims for Short Term Benefits Utah Judge Reverses MetLife's Denial of Mental Disability Long Term Benefits Florida Court Upholds Hancock's Termination of Long Term Care Benefits MetLife Loses Case Over Unfair Life Insurance Disbursement Practices Texas Judge Rules No New Medical Evidence Allowed Post ERISA Disability Appeal Court Orders United of Omaha to Pay Death Benefit, Attorney's Fees and Prejudgment Interest Court Finds Multiple Errors and Orders Aetna to Pay Claimant Long Term Disability Benefits Reliance's Delay in Denying Disability Claim May Affect Standard of Review Reliance Erred in Denying Disability Benefits When Physical Conditions Caused Disability Court Orders Metlife to Re-evaluate the Denial of Disability Benefits to Citibank Employee One Year Period to File Lawsuit Following Liberty Life Insurance Denial is Valid Liberty Life Has a Conflict of Interest and Court Orders Reinstatement of Long-Term Disability Benefits Standard Insurance Wins Appellate Remand for Claimant's Own Occupation Disability Determination Unum Denial of Disability to Claimant with Lyme Disease Remanded by Washington ERISA Judge MetLife Slammed by California Judge for Long Term Disability Denial Court Orders Sedgwick to Pay Disability Benefits to Claimant with Carpel Tunnel Syndrome Even though the Employer Offered Her Accommodations Texas Ban on MetLife's Discretionary Clause is Great for Long Term Disability Claimants California Court Agrees with MetLife's Denial of Dismemberment Claim New York Federal Court Orders Aetna to Pay Long Term Disability Benefits Unum Disability Claim Dismissed For Failure To File a Timely Claim Hartford Life Abused Its Discretion by Failing to Advise of Need for an FCE Michigan Court Remands Aetna to Reconsider Disability Benefit Denial Court Upholds Principal Life's Denial of Extended Disability Benefits Washington Court Finds Liberty Erred in Terminating Disability Benefits Court Agrees: Principal Life Correctly Terminated Disability Benefits Court Remands Sun Life to Consider Social Security's Decision to Award Plaintiff Disability Benefits Federal Court Orders Principal Life Insurance Company to Pay Disability Benefits Texas Court Orders Union Central to Provide Discovery to Plaintiff Claimant is Ordered to Pay Attorney Fees to Standard for Failing to Exhaust Her Administrative Remedies Court Orders Aetna to Pay Disability Benefits when Plaintiff was Found Capable of Working MetLife Disability Denial Upheld when Claimant Files Lawsuit Without ERISA Appeal Court Finds Sedgwick Wrong to Deny Benefits Without Considering Claimant's Actual Job Duties Ohio Court Allows Investigation Into Reliance Standard Conflict of Interest After Disability Denial Arkansas Court Reverses Liberty Life's Disability Denial for a Nurse Sappi Company's Difficult Definition of Disability is Not Illegal According to Minnesota Federal Court Washington Court Finds Omaha Wrongfully Relied on Video Surveillance to Deny Disability Benefits Can UNUM Be Sued for Defamation in a Disability Insurance Case? Massachusetts Court Reverses Liberty Disability Denial for Failure to Examine or Consider Subjective Pain Court Sides with PNC: A Claimant Must Provide Proof of How Condition is Disabling Sun Life's Video Surveillance Backfires & is Ordered to Pay Disability Benefits Court Allows Aetna to Use the Dictionary of Occupational Titles to Deny LTD Benefits Court Rules Aetna Erred in Denying Long term Disability Benefits Federal Court Agrees with Aetna's Termination of Disability Benefits Court Orders Aetna to Reconsider Termination of Disability Benefits Where Aetna Completely Ignored Treating Doctors Records and Recommendations When neither the Insurance Company nor the Claimant Can Produce the Original Disability Policy, the Burden is on the Plaintiff to Prove the Terms of His or Her Policy California Court Finds Anthem's Long Term Disability Denial Unreasonable Federal ERISA Lawsuit Filed Against Prudential After It Denies Long-term Disability Benefits to Insured With Parkinson's Disease Florida Court Holds Anthem Does Not Need to do Vocational Testing in Disability Denial Michigan Court Agrees With Anthem's Denial of Long Term Disability Benefits Anthem Disability Claim Denial Reversed by Nevada Court Oregon Court Orders Standard to Pay Plaintiff Prejudgment Interest Disability Denial Remanded to Anthem for Analysis of Claimant's Job Duties Federal Court Orders Anthem Life & Disability to Reinstate Improperly Terminated Long Term Disability Benefits to a Fibromyalgia Claimant Vermont Federal Court Makes ING / Reliastar Reevaluate its Denial of LTD Benefit Under Any Occupation Definition Lincoln Financial Beats to Their Own Drum With Long Term Disability Claims Federal ERISA Lawsuit Filed Against CIGNA Following Its Decision to Terminate the Long-term Disability Claim of an Insured Suffering from Severe and Chronic Lower Back Pain Accidental Death Benefit Denied By National Union Fire Insurance Due To Language of Policy Exclusion Unum Denies Disability Benefits to 53 Year Old Woman After Paying for 16 years GE Benefit Denial Overturned For Plaintiff with Permanent Loss of Function of His Foot Cigna's Disability Denial Of Woman With Chronic Pain and Depression Reversed And Not Subject to Mental Nervous Limitation Court Rules That Sun Life Did Not Properly Review a Mental Nervous Disability Claim Federal Appeal Court Upholds District Court Order to FedEx to Pay Long Term Total Disability Benefits to Its Employee WARNING: Lincoln Financial Disability Denial Requires Two ERISA Appeals before Filing Suit Federal Court Orders Aetna to Pay Long Term Disability Benefits to Their Own Employee Is Reliance Standard Wrongfully Offsetting Your Disability Insurance Benefit? MetLife Denial of Disability Benefits For Woman With Fibromyalgia Remanded By Massachusetts Federal Judge North Carolina Federal Appeals Court Dismisses Disability Lawsuit Against Prudential As Untimely California Federal Court Finds Coverage Provision in Aetna Long-term Disability Plan to Be Ambiguous Criminal-Act exclusion does not apply without sufficient causal nexus Beware: MetLife Disability Insurance Policy Only Provides Three Years to File An ERISA Lawsuit Court Remands Fibromyalgia Case for Further Consideration after Finding MetLife Failed to Consider FCE Report and Vocational Evaluation Federal Court Examines Vocational Reviews and ERISA Disability Court Awards Attorney's Fees After Disability Insurance Claim is Remanded Back to Sun Life United States District Judge Rules that Unum's Decision to Deny Continued LTD Benefits Was Wrong because It Failed to Consider Relevant Evidence Does ERISA require Plan Administrators to have my claim reviewed by an independent vocational expert? Statute of Limitations Provision In Disability Policy Enforceable under ERISA Northern District of Illinois determines the exception to The Standard's "limited conditions" provision does not apply when plaintiff failed to provide current positive MRI evidence of a herniated disc Disability plan administrator cannot use theoretical job as basis to deny claim Fibromyalgia Claimants are Finally Being Heard: California Court Rules that Prudential May Not Deny Claim Based on Lack of Objective Evidence of Fibromyalgia or Chronic Fatigue Syndrome 4 reasons that make a disability insurer's denial of benefits arbitrary and capricious Discretionary Clause in Boeing's Long-term Disability Plan Found to Be Legal, Despite California Statute Banning Discretionary Clauses Sedgwick Continues monitoring application for SSDI benefits even after terminating disability claim Eaton Corporation Employee Losses ERISA Disability Insurance Lawsuit as Court Says Ability to Perform Part-Time Works is Ability to Perform Any Occupation UNUM Sues Long Term Disability Claimant for Overpayment and Wins Are the opinions of your treating physician's entitled to more deference? $1,000,000 in Unum Disability Benefits for an Attorney, Blackmail, and Supreme Court Denies Cert! AIG Repeatedly Denies Disability Benefits to a Colorado Woman with Fibromyalgia After Change of Disability Definition Pennsylvania Court rules Unum did not abuse its discretion in denying LTD benefits to woman who claimed she could not work for her employer under her current supervisor Court Allows Additional Evidence at Trial in ERISA Disability Case Tennessee Court Rules That Hartford's Failure to Examine Patient Was An Abuse of Discretion and Overrules Disability Denial Claimant Wins Summary Judgment Motion against MetLife After Court Determined that MRI was Sufficient to Diagnose Radiculopathy Insurance policy intoxication exclusions are as ambiguous as they come Do Not Sleep on Your Rights to Disability Benefits Claimant Unsuccessful in Disability Insurance Lawsuit against Boston Mutual Life Insurance Company in a Louisiana Lawsuit California Court Rules That Hartford Acted Unreasonably and Reverses Disability Denial Unum Disability Denial For 24 Month Self Reported Pain Limitation Due to Migraines Upheld By Virginia Court Accountant Punished by SunLife for Working Part-Time During Tax Season Former Employee of Procter & Gamble Loses Federal ERISA Lawsuit Claimant with Fibromyalgia and CRPS wins minor victory when U.S. Court of Appeals Vacates Judgment and Remands Case back to Sun Life for Re-evaluation Claimant with Fibromyalgia and CRPS Battles Sunlife for 5 Years Seeking Disability Benefits Sun Life Terminates Benefits After 24 Months Based on Nine Days of Surveillance Mechanic Loses Claim For Benefits Against Reliance Standard After Employer Makes Oral Misrepresentations Concerning Disability Insurance Coverage California Federal Court Finds Man Disabled, Overturns Unum's Decision that denied Long Term Disability Benefits Is Cigna's Medical Director John M. Mendez Licensed to practice medicine? Court Finds Objective Evidence Alone, Without Supporting Subjective Evidence, Is Not Enough To Prove Disability, Rules in Favor of Hartford A Letter to Cigna CEO Following Denial of Disability Benefits to a Wheel Chair Bound Woman MetLife Improperly Applies Limitation For "Neuromusculoskeletal and Soft Tissue Disorder" to Long Term Disability Claim United of Omaha Life Insurance Co. Denial of Long Term Disability Benefits Reversed By Alabama Judge Court grants partial summary judgment in favor of Plaintiff, remanding claim back to Aetna to review records it failed to review during the appeals process Lawsuit Against IME Physician Alleging Fraudulent Misrepresentation By IME Physician Dismissed by US District Court Anesthesiologist Loses Disability Insurance Lawsuit Against Sun Life Assurance Company in Pennsylvania Federal Court Attorney sues Unum to recover benefits after Unum terminates disability claim after learning attorney committed fraud; Unum counterclaims for over $1 million in overpaid benefits Insured's Lawsuit Dismissed By Massachusetts Federal Court For Being Filed Too Late US Supreme Court to Hear Disability Insurance Case Against Hartford Insurance Company California Court holds that Hartford Abused Its Discretion in Denying Amazon.com employee LTD Benefits Pennsylvania Court Awards Long Term Disability Benefits To Claimant, Finds Aetna Abused Discretion By Failing To Consider Self-Reported Symptoms Credibility Judgments Without IME Lead to Remand Back to Libery Life for Full and Fair Review in Kentucky ERISA Disability Lawsuit Missouri Court Awards Full Disability Benefits in Mental Nervous Condition Case Against Hartford New York Court Recognizes Unum Insurance Company's History of Biased Claims Administration and Permits Discovery Into a Potential Conflict of Interest New York Judge's 168 Page Ruling Finds In Favor Of Hartford's LTD Benefit Denial In ERISA Lawsuit Alabama Court Refuses To Consider Additional Medical Evidence Submitted After Metlife's Denial Of Claimant's One Mandatory ERISA Disability Appeal Objective versus Subjective: Evidence Requirements in ERISA Disability Lawsuits Aetna Ordered to Produce Internal Statements of Policies, Procedures and Guideline Relative to Claimant's Long-Term Disability Claim Appellate Court Rules That Hartford’s Failure to Examine Patient Was An Abuse of Discretion and Overrules Disability Denial Beware of Unfavorable Language Limiting the Maximum Pay Period of Neuromuscular, Musculoskeletal or Soft tissue Disorder in MetLife Group Long-term Disability Policies Cigna Makes Disability Insurance Claim Claimant Live in Fear of Claim Denial CIGNA Reaches Regulatory Settlement Agreement with Massachusetts Prompting the Review of Disability Benefit Denials Cigna Long Term Disability Insurance Settlement Agreement Information Aetna and The Rawlings Company LLC Seek to Reduce Your Disability Benefit Northwestern Mutual Disability Claim Denial Reversed By Court To Remand or Not to Remand: One Court's Opinion on When to Remand a Claim for Long Term Disability Benefits under an ERISA Aetna Policy 3 Ways Hartford Wrongfully Denied Long Term Disability Insurance Benefits to Claimant with MS Mass Court Finds Johnson&Johnson Abused Its Discretion In Long Term Disability Claim Michigan Court Upholds Metlife Denial of Benefits as Claimant Failed to Prove Disability Hartford Prevails in ERISA Lawsuit Demonstrating ERISA Law can be Unfair for Claimants Sometimes a Unum disability denial is correct, even after 5 years of payments MetLife Ordered to Pay Disability Insurance Benefits to MetLife Employee with Lyme's Disease A Claimants View of a Standard Insurance Company Disability Benefit Claim Mutual of Omaha disability denial remanded for wrongful evaluation of occupation Failure to treat your medical condition can lead to termination of long term disability benefits Sun Life Disability Claim - Sun Life Ignores Medical Information Sedgwick and AT&T sued as a result of SSDI Overpayment MetLife disability insurance plan has terrible language, but it complies with ERISA Six year disability lawsuit against Sun Life: long term disability claimant wins benefits plus interest Failure to file a timely ERISA disability appeal can eliminate your right to file a disability lawsuit Court rules Cigna cannot use 24 month mental health limitation to deny disability benefits Disability benefit denial lawsuit against Liberty Life and HSBC can proceed Cigna disability video surveillance is common but hiding the results is not Cigna Exposes Disability Plan Administrator To $9,900 ERISA Penalty For Failure To Produce Plan Documents FedEx and Aetna Disability Benefit Claim Ruling is Great for Disabled FedEx Employees Court Rules That Walgreens Employee's Long Term Disability Claim Lawsuit Shall Not Be Dismissed Hartford Disability Lawsuit and Appeal of A Disability Insurance Denial Hartford abused its discretion by relying on video surveillance and ignoring medical evidence Dow Chemical Employees May Always Get A Fair Review of Disability Denial Lincoln National denies accidental death benefits after jet ski accident and Court agrees Unum Calculation Of Monthly Earnings Results In Loss Of $10,000 Monthly For Quadripeligic Disability Claimant Court Orders Hartford to Disclose Relationship with University Disability Consortium Aetna Disability Benefit Denial for Former Boeing Employee is Upheld by Appeal Court Federal Court Orders Unum to Release Documents Following Disability Insurance Denial Long Term Disability Insurer the Standard May Seek Recoupment for an SSDI Overpayment from a Claimant Who Declared Bankruptcy Ambiguous Disability Policy Language is Construed in Favor of Disability Claimant with Berkshire Life Policy Federal Court Upholds Unum Disability Benefit Denial Court Throws Out Disability Benefit Denial Based on Aetna's Internal Physicians' Review Florida Courts Have A Complicated Six Step Disability Insurance Denial Protocol Johnson&Johnson Employee with Depression Denied Disability Benefits After Definition Change Liberty Mutual Ordered to Pay Attorney Fees in Disability Denial Lawsuit MetLife Disability Denial of MetLife Employee Upheld by California Court Sedgwick Disability Denial of AT&T Employee Reversed Once Again Texas Court Upholds Prudential Disability Insurance Denial Texas Disability Insurance Attorney Regularly Fight ERISA Disability Denials Do I Qualify For Total Disability Insurance Benefits In Texas? Texas Disability Insurance Companies Can Be Subject to Bad Faith Claim Unum Disability Beneft Denial Overturned for Pre-textual Investigation "Any occupation" disability insurance claim discussed by a California Disability Lawyer A Successful California Disability Insurance Claim Does Not Require "Absolute Helplessness" Reliance Standard Disability Insurance Denial Upheld by California Court Fibromyalgia Claimant Wins MetLife Disability Insurance Lawsuit California Disability Insurance Attorneys Battle Discretionary Clauses Daily MetLife Disability Claim Limited to 24 Months of Benefits Results in ERISA Lawsuit Cigna Denies Disability Benefits, But Additional Information Could Have Resulted In A Victory California Court denies Plaintiff's Attempt to Introduce New Medical Information During ERISA Disability Lawsuit Against Hartford for Long Term Disability Benefits Boeing Employee Suffering From Severe Chronic Back Pain Sues Aetna For Denial Of ERISA Benefits Sedgwick And AT&T Disability Denial Scheme Exposed In ERISA Lawsuit Unum Disability Denial With Medical Record Review Only Sun Life Pays Disability Benefits For Three Years To A Claimant Who Wasn't Actually Covered Under A Sun Life Policy Another Cigna Hired Gun Doctor To Be Exposed! California Federal Court Finds That MetLife Abused Its Discretion And Awards Financial Analyst Long-Term Disability Benefits Unum Sued By An Ophthalmologist And A BJC Healthcare Employee Who Both Were Denied Disability Benefits Misrepresentation By Claimant Results in Unum Disability Claim Denial Aetna Is Sued For Failure To Pay ERISA Benefits To Boeing Employee For Injuries Sustained In A Shooting Pennsylvania Pharmacy Owner Learns The Hard Way That Accuracy Is Everything When Applying for Disability Insurance Benefits New York Federal Court Denies MetLife's Motion To Dismiss Lyme Disease Victim's Petition For Disability Benefits A Claimant's View of a Prudential Disability Benefit Denial Eastman Chemical Company Employee Loses Lawsuit Against MetLife for Disability Benefits Bon Secours Employee Wins Lawsuit Against Unum who had Denied Him Disability Benefits Kentucky Woman Wins Lawsuit Against Mutual Of Omaha Insurance Prudential Claimants Unsuccessful At Challenging The Offsetting Of Dependents' SSDI Benefit Award Minnesota Disability Claimant Filed Suit Against Employer Over Terminated Disability Benefits Court Finds MetLife Has No Right To Request An IME After Unnecessary Delay Court Takes Sun Life To Task For Denial Of Disability And Life Insurance Benefits Of Man With Brain Tumor Sedgwick Terminates PNC Compliance Specialist's Long Term Disability Benefits CIGNA Disability Claim Denial: A Claimant's View American Red Cross Worker Sues Reliance Standard Life Insurance Company For Wrongful Termination of Long Term Disability Benefits North Carolina Court Determines That Sedgwick Abused Their Discretion And Wrongfully Denied Disability Benefits For BellSouth Employee Total Knee Replacement, Yet Sedgwick Still Denies AT&T Employee's Disability Claim Are Independent Medical Evaluation (IME) Providers Really "Independent"? Unum Tries To Hide Fact That Its "Independent" Medical Advisors Are Actually Employees Of Unum DRS Technologies Employee Sues Prudential For The Wrongful Termination Of Long-Term Disability Benefits Court Compels Metlife To Reconsider Its Decision To Terminate Claimant's Long-Term Disability Benefits KeyCorp District Manager Sues The Prudential Insurance Company Of America For Improper Termination Of Long-Term Disability Benefits Pennsylvania Court Awards STD Benefits And $27,000 In Attorneys' Fees To Phlebotomist Toyota Quality Assurance Monitor Sues Life Insurance Company Of North America For Denial Of Long-Term Disability Benefits Microsoft Employee Sues Prudential For Wrongful Denial Of Long-Term Disability Benefits Illinois Insurance Law Gives Claimant A Fighting Chance Against Disability Insurance Company Asurion Employee Files Lawsuit Against Life Insurance Company Of North America For Wrongful Termination Of Long-Term Disability Benefits Court Orders Life Insurance Company Of North America To Pay Claimant Long-Term Disability Benefits Clopay Corporation Customer Service Representative Sues Prudential For The Wrongful Denial Of Long-Term Disability Benefits Kirk & Blum/CECO Environmental Employee Files Lawsuit Against Lincoln Financial Group For Wrongful Termination Of Long-Term Disability Benefits Hartford Disability Denial of Insurance Agent with Fibromyalgia and Chronic Fatigue is Reversed Employees of Staples & Nortel Networks among Four Plaintiffs To Sue Prudential For Wrongful Denial Of Long-Term Disability Benefits Aetna Disability Denial of Marriott Employee Upheld by Louisiana Federal Judge Medical Doctor Suffering From Disabling Chronic Conditions Sues AXA Equitable For Wrongful Denial Of Disability Benefits Lincoln Financial Disability Denial: Determining a Date of Disability is Critical Liberty Mutual Disability Denial Of Wachovia Employee Upheld By Appellate Court 56-Year-Old Disabled District Manager Of Dollar Financial Group Sues Aetna For Denial Of Disability Benefits Hartford Interview Request Is A Trap Used To Support A Disability Denial Assistant Vice President of Meadowbrook Insurance Group files a lawsuit against CIGNA for denied disability benefits claim Weston Engineering employee sues AETNA Life Insurance Company for denied disability benefits Sedgwick continues to deny disability benefits to AT&T employee Long time Bank of America employee sues AETNA for denial of disability benefits CIGNA faces a lawsuit by American Homecare Supply Respiratory therapist for termination of disability benefits Tempur employee suffering from chronic fatigue syndrome sues Union Central Life for denial of disability benefits Wells Fargo disability claimants in Alabama and Florida file lawsuits against Liberty Life Assurance Company of Boston for unpaid long term disability benefits Texas claimant takes Reliastar to task for denied disability benefits Duke University Doctor sues UNUM Life Insurance Company for long term disability benefits California Consultant sues Northwestern Life Insurance Company for unpaid disability benefits At least five lawsuits were recently filed in Florida District Courts against Prudential for non-payment of disability benefits to deserving claimants Electrical assembly worker for Northrop Grumman files a complaint against UNUM for denial of long term disability benefits CIGNA under fire in Minnesota Federal Court for termination of claimant's disability benefits Question writer for Jeopardy/Sony Pictures files suit against Prudential New Jersey claimant files suit against New York Life, Unum and Paul Revere for miscalculated disability benefits New Jersey BankUnited employee files suit against Lincoln National Office Depot employee files suit against employer and Aetna for unpaid disability benefits Dental surgeon sues Paul Revere Life Insurance Company for wrongful denial of long-term disability benefits Bank of America, Boeing, and Cytec Industries employees file lawsuits against Aetna Life Insurance Company over disability benefits Northwestern Mutual sued by shareholder attorney for underpaying and denying long-term disability benefits CIGNA has three new lawsuits to deal with for unpaid disability benefits Employees of Wells Fargo, Heinz, and Otis Elevator sue Liberty Life for denial of ERISA benefits Registered nurse at Temple University Hospital denied disability benefits, sues Cigna Aetna sued by Bank of America and Huhtamaki employees for failing to provide ERISA benefits Disabled attorney forced to sue UNUM for her disability benefits 5 disability lawsuits recently filed against UNUM in TN, OH, MO, and MI Liberty Life faces disability benefit lawsuits in Florida and Maryland for denying disability benefits CIGNA/LINA sued by Lockheed Martin employee for unpaid disability benefits Radio personality files lawsuit against UNUM to recover disability benefits Liberty Mutual must consider disability appeal submitted 2.5 years after denial CIGNA denies disability claim and gets sued by neurologist Microsoft employee denied disability benefits by Prudential Five lawsuits recently filed in Florida Courts against Prudential for non-payment of disability benefits to deserving claimants General surgeon files lawsuit against Provident Life and UNUM for disability benefits award Two Yellow Book employees sue Liberty Life Assurance Company of Boston for failing to pay ERISA disability benefits Social Security Disability Benefits Approval the First Time Microsoft employee forced to sue Prudential for denial of ERISA disability benefits Wyeth Pharmaceutical/Pfizer Senior Attorney suffering from disability sues Ohio National Life Insurance Company for denial of disability benefits Panasonic and Microsoft employees sue Prudential in Tennessee and Indiana for denying their disability claims Employees of Boeing and Bank of America sue Aetna for denying disability benefits under ERISA regulations Disabled Georgia man sues Boston Mutual for denial of disability benefits After being denied disability benefits, Rabbi suffering from bipolar disorder sues CIGNA Jury orders Unum Provident to pay lifetime long term disability insurance benefits to physician Prudential denies disability benefits to KPMG employee suffering from "sick sinus" syndrome Liberty Life Assurance Company of Boston sued under ERISA in three different cases for denial to pay disability benefits UnitedHealth Group, Inc. Recruiting Manager suffering from depression and anxiety denied benefits Standard Motor Products Employee file an ERISA Lawsuit against Prudential Insurance for denied disability benefits Ohio National Life Insurance Company denies claim after 7 years of disability payments Ladenburg Thalmann Branch Manager suffering from injured back sues CIGNA for denial of disability benefits Disability attorney and client suffering from fibromyalgia and hypertension sue UNUM for unpaid long term disability benefits Nestle Waters employee sues Assurant for denial of disability benefits under ERISA Prudential Insurance Company of America recently sued three times under ERISA for denying disability benefits Delta Air Lines Customer Service employee files lawsuit against Sedgwick Claims Management Services, Inc. for denial of disability benefits Life Insurance Company of North America sued under ERISA in three different cases for denial to pay disability benefits TRW Automotive Holdings Corporation financial analyst suffering from Type II diabetes and heart condition sues Prudential Disabled South Carolina doctor sues Berkshire Life for disability benefits Steel fabricator suffering from disability wins lawsuit against Lincoln National Two Comcast employees and a registered nurse file three ERISA lawsuits against Liberty Life Insurance in Pennsylvania for denial of disability benefits Wisconsin disability attorney and client sue Prudential Life Insurance for its "baseless" denial of ERISA disability benefits Disability attorney sues Aetna for failure to pay short term disability benefits to Huhtamaki Americas employee Shaw Industries Group employee suffering with fibromyalgia and lupus sues Unum Life Insurance Company for denial of disability benefits 12 years of disability payments paid, but CIGNA suddenly determines claimant can perform sedentary job CIGNA pays disability benefits for 10 years, offers a lump sum buyout and then denies disability claim Medical Secretary suffering from "failed back syndrome" and leukemia sues The Standard Insurance Company for disability benefit denial Medical Doctor sues Guardian / Berkshire for $1.2 million dollars following denial of disability insurance benefits Court of Appeals, Seventh Circuit ruled Unum is prevented from using Self-Reported Symptoms Limitation Clause to discontinue long term disability benefits payments for woman with fibromyalgia Prudential denies disability benefits despite FCE Exam stating former Data Distributor Inc. employee with heart condition cannot perform sedentary occupation Group Health Plan Inc's Actuary sues Reliastar and ING Disability Claims Management Services for recovery of disability benefits under The Ramsey Health Care Services Short Term Disability Plan CIGNA denies disability insurance benefits to Engineering Manager with Stage 4 cancer Registered nurse & her California disability lawyer sue Unum for failure to pay disability benefits Massachusetts Disability Attorney filed lawsuit against Aetna on behalf of Biogen Idec, Inc's IT Technical Ops Lead for denial long term disability benefits Law office bookkeeper with lupus and fibromyalgia denied disability benefits by Unum in Indiana Jean Pentecost and her Montana disability lawyer file a complaint against CIGNA What is Liberty Life Assurance Company of Boston trying to hide in denial of disability benefits? A phlebotomist employed by Quest Diagnostics and diagnosed with RSD sues Aetna for denial of long term disability insurance benefits CIGNA entitled to recover social security disability benefit overpayment Cigna denies Herff Jones Inc. employee disability benefits after she is diagnosed with multiple sclerosis Bridgestone employee sues Liberty Life Assurance Company of Boston for long term disability benefits Oregon Judge orders Standard Insurance Company to pay disability insurance benefits beyond the 24 month mental disorder limitation California Judge grants disability claimant's request to investigate Hartford Life And Accident Insurance Company's relationship with hired doctors Life Insurance Company Of North America denies disability benefits and battles claimant for 4.5 years in Federal Court Standard Insurance Company's attempt to dismiss disability insurance lawsuit is denied in-part by Florida Federal Judge California Court orders CIGNA to disclose amount paid to MES Solutions for medical reviews Federal Judge orders Sedgwick Claims Management to pay disability benefits to PNC Financial Services Group, Inc's Collection/Recovery Team Manager Appellate Court denies Liberty Mutual's attempt to recover $163,661.57 in disability benefits paid to disability claimant and business owner Hartford Life And Accident Insurance Company denies disability benefits and prevails in lawsuit filed by operator for Mohawk Inc. California disability attorney sues Standard Insurance Company for denial of long term disability benefits payments to paraplegic Tenet Healthcare Corporation employee sues UNUM under ERISA for wrongfully denying disability benefits by disregarding attending physician's medical opinion Disabled IKA Works, Inc. employee sues the Prudential Insurance Company of America to compel payment of disability benefits under an ERISA plan Appellate Court upholds Prudential's decision denying disability benefits to insured when he refused to attend an IME Exam Arkansas disability attorney filed lawsuit against SunLife on behalf of disabled Buford Media Group, LLC's Office Manager for denial of disability benefits Disabled project manager filed lawsuit against Unum for refusal to pay disability benefits Unum sued for claiming social security child benefits as part of the reimbursement for overpayment of long term disability benefits New Jersey disability attorney filed lawsuit against Prudential Insurance Company of America to compel payment of long term disability benefits to disabled client Disabled engineer from Philips Electronics North America sue Sedgwick Claims Management Services Inc. for denial of long term benefits claim Office medical specialist suffering with fibromyalgia and CFS hires Arizona Disability Attorney to sue CIGNA for denial of disability benefits CIGNA Group Insurance and Subsidiaries sued in Alabama, New York and Michigan for allegedly acting arbitrarily and capriciously in denying claims for long term disability benefits Xerox employee is denied her long term disability benefits and sues Sedgwick and Xerox Sun Life is sued for disability benefits in two separate cases for arbitrary and capricious denial of disability claims Insurance sales agent files a disability insurance denial lawsuit against Liberty Life Assurance Company of Boston 30 year veteran employee of 3M Company sues company and Sedgwick Insurance for disability benefit denial Sunlife denies disability benefits to Wise Foods employee disabled by cancer and shoulder surgeries Court stops UNUM from denying disability benefits based on the plan's "Self-Reported Symptoms Limitation" Prudential terminates disability benefits of traumatic brain injury claimant in a case of mistaken identity Cigna denies disability benefits to former Healthsouth Corporation nurse after paying for 11 years Former Charles Schwab Corporation employee sues Liberty Life Assurance Company of Boston for denial of long term disability benefits Disabled Unisys network design engineer sue Aetna Life Insurance Company seeking payment of long term disability benefits Fifth Circuit Court Of Appeal denied Estate Of Pepsiamericas, Inc.'s employee motion to recover accidental death and dismemberment benefits from group disability insurance plan issued by Unum Unum claims no object evidence exist and denies disability benefits to St. Anthony Central Hospital nurse suffering from fibromyalgia AT&T employee with back injury sues Sedgwick for denial of short term disability benefits Disabled interventional radiologist with sleep apnea and cardiac limitations sues Unum and Hartford for denial of long-term disability benefits payments Disabled employee of University Of California Davis diagnosed with fibromyalgia sues Liberty Mutual for denial of disability benefits and seeks punitive damages Northwestern Mutual denies partial disability benefits to trial attorney resulting in lawsuit for violations of Washington Insurance Fair Conduct Act Dearborn faces disability denial lawsuit from disabled account clerk of Katz Insurance Group diagnosed with PTSD Washington disability attorney filed lawsuit against the Hartford Insurance Company for denial of long term disability benefits to mentally disabled woman UNUM denies disability insurance benefits to disabled nurse with fibromyalgia and osteoarthritis A former HCBS sales manager diagnosed with lyme disease sues UNUM for disability claim denial Anesthesiologist files lawsuit against Paul Revere alleging wrongful deduction of social security retirement benefits Podiatrist sues Northwestern Mutual seeking disability insurance benefits and bad faith damages Missouri disability lawyer files ERISA lawsuit against Lincoln National Life Insurance Company for denying LTD benefits Former Zurich Insurance employee diagnosed with Crohn's disease sues Liberty Life for denial of disability benefits Prudential Insurance sued by disabled HNI Corporation employee for denial of disability insurance benefits after 7 years Nevada disability lawyer and COX Enterprises Inc's customer service rep sue AETNA for denial of disability benefits CIGNA denies disability benefits yet social security disability benefits are approved Guardian Life Insurance seeks overpayment of disability benefits for child social security disability benefits awarded to disabled claimant's daughter Sun Life denies disability insurance benefits to Alabama man with heart problems Georgia disability lawyer sues Aetna for terminating disability benefits to Georgia woman with rectal cancer Aetna denies disability benefits and claims physical therapist with back disorder can perform "reasonable occupation" Aetna fails to review Bank Of America employee's ERISA disability benefit appeal timely resulting in lawsuit by an Illinois disability lawyer City University Of Medicine & Bioscience former employee disabled by back disorder sues Reliance Standard for denial of disability benefits Former Aegon USA employee suffering with multiple sclerosis sues CIGNA for denial of disability insurance benefits Former security guard of the Children's Hospital of Philadelphia alleges CIGNA Insurance engaged in fraudulent and malicious disability claims practices Pizzeria owner suffering from Celiac disease filed lawsuit against Berkshire for breach of contract in refusing to pay disability benefits 20 years of receiving disability insurance benefits and CIGNA denies woman's benefits three separate times UNUM sued by California Disability Lawyer after denial of benefits for a school custodian Washington attorney sues CIGNA for denying disability benefits during any occupation stage and seeking to collect SSDI overpayment Prudential Insurance pays disability benefits for 12 years to former Prudential employee then denies claim Wisconsin man sues Liberty Life for termination of disability insurance benefits Former Aetna employee sues Aetna for denial of short-term disability benefits Unum sued for denying disability benefits to Florida woman with fibromyalgia, neuropathy, and hepatitis Insurance company relies on manipulative video surveillance techinique to challenge disabiling condition Florida lawsuit filed against UNUM by disabled woman for failure to pay disability benefits and to clarify plan's benefits Epileptic auto technician sues Lincoln National (formerly Jefferson Pilot Financial Insurance Company) for denial of disability benefits UNUM sued by resident of Carroll County, Arkansas for denying disability benefits under ERISA plan Provident sued for denying lifetime disability benefits to former attorney If You Can Afford It, Then You Should Only Buy An Individual Disability Insurance Policy Did UNUM insurance disability claims examiner understand physician's job duties? Reliance Standard sued by occupational therapist for denial of disability insurance benefits Liberty Mutual denies disability benefits for depression despite two hospitalizations by claimant Prudential sued for denial of disability benefits to former U.S. FoodService Inc. sales analyst with back disorder UNUM sued by Ohio disability attorney for failure to pay disability insurance benefits to ex-nurse restricted to using a cane or motorized scooter to get around A Federal Judge's perspective on ERISA disability insurance claims South Carolina disability attorneys sue Liberty Mutual three times in one week for denial of disability insurance benefits AETNA sued for failure to pay out disability benefits to ex senior nurse suffering from disabling mental conditions AETNA ordered by West Virginia Federal Judge to reevaluate denial of disability benefits to Bristol-Myers Squibb Manager A Senator's view of ERISA disability insurance claims SunLife & Aetna sued for denial of disability benefits Federal Judge orders Union Security (Assurant) to re-evaluate disability denial due to failure to consider risk of substance abuse relapse as disabling condition Sun Life Assurance Company of Canada sued by gunshot victim for failure to pay long term disability benefits Reliance Standard and Lincoln National attempt to avoid payment of disability benefits by ignoring claimant's application UNUM employee deposition in a disability insurance claim denial lawsuit Prudential sued for denying claim for disability benefits to disabled individual suffering from chronic back and leg pain Court of Appeals denies appeal for Business Executive claiming disability benefits due to lower back injury against Metropolitan Life Insurance Company CUNA Mutual terminates disability benefits to woman suffering from depression and lyme disease Deposition of medical consultant hired by MetLife for a disability insurance claim New York Court upholds Hartford Insurance Company's denial of disability benefits but denies $86,000 overpayment claim Who makes the final decision to approve or deny disability insurance benefits? Lincoln Nebraska man suffering from fibromyalgia and chronic fatigue syndrome sues UNUM when he is denied disability benefits LINA and CIGNA need to listen to the Federal Courts and stop denying disability insurance claims for people disabled by fibromyalgia Sun Life deducts veteran disability benefits from claimant's monthly long term disability check Pennsylvania class action disability insurance suit against Reassure and Swiss Re dismissed due to lack of subject matter jurisdiction Disability benefits lawsuit against Fortis Benefits Insurance Company dismissed by West Virginia Federal Court Federal Court provides 5 reasons CIGNA wrongfully denied disability benefits to man suffering from chronic fatigue syndrome CIGNA/LINA sued for denying waiver of life insurance premium to caretaker of disabled and mentally challenged adults Liberty Mutual sued in Tampa Federal Court for denying long term disability insurance benefits Disability lawsuit against MetLife alleges insurance company refuses to pay disabled claimant Doctor files a disability insurance lawsuit against Guardian Life Insurance Federal lawsuit against Hartford Insurance alleges company refuses to pay disabled Patriot Act analyst Life Insurance Company of North America, part of CIGNA Corporation, sued for refusing disability insurance benefits for mentally ill teacher Hartford Financial's mental nervous disorder limitation clause in disability insurance policy held ambiguous Michigan Court determines Sedgwick wrongly terminated woman's disability benefits and awards Michigan disability attorney his fees Disability insurance benefits lawsuit against Prudential Insurance Company is dismissed by Pennsylvania Judge Disability insurance claimant's allegation of bad faith against Unum Provident is disallowed due to ERISA regulations UNUM class action filed by New York disability insurance attorneys is dismissed by Federal Judge Sun Life Insurance Co. wrongfully denies disability insurance benefits following disability claimant's failure to respond timely CIGNA destroys copy of accidental disability insurance policy but claimant is able to prove existence of policy and obtain benefits Principal Life denies disability benefits to a physician and then seeks attorney fees after physician's disability denial is affirmed by Texas Judge Pennsylvania Court rules that CIGNA disability insurance policy allows for offset of lost wages from auto insurance policy Liberty Mutual ordered to pay interest & attorney fees following disability insurance claim denial Missouri Court reverses Prudential Insurance Company's wrongful denial of disability insurance benefits for former pharmacy technician CIGNA / LINA wrongfully relies upon surveillance video to deny long term disability insurance benefits ReliaStar reduces monthly disability insurance benefits to veteran due to VA benefits Cytec Industries and Broadspire Services discontinue disability insurance benefits for army veteran suffering from PTSD Guardian disability insurance denial is upheld by Ohio Federal Court & Sixth Circuit Court of Appeals North Carolina disability attorney is unsuccessful in obtaining disability insurance benefits for former TYCO employee Reliance Standard terminates long-term disability benefits after receiving the results of an IME and FCE MetLife disability denial reversed by court for unreasonable claim handling Broadspire Services terminate long-term disability benefits after paying for 8 years Companion Life wrongfully relies on 22 minutes of video surveillance to deny disability insurance benefits Unum / Provident / Paul Revere Long & Short Term Disability Claims MetLife denies benefits to stockbroker disabled by depression, yet Pennsylvania Federal Judge awards disability benefits Pennsylvania Federal Judge orders Prudential to pay disability benefits to woman diagnosed with RSD Liberty Mutual Long Term Disability Insurance Claims American United Life Insurance disability denial reversed for woman with fibromyalgia, depression and migraines Aetna refuses video recording of IME and threatens to deny disability benefits unless claimant agrees to sign IME doctor's authorization form Prudential ordered by Michigan Court to reconsider long term disability insurance denial Sun Life disability insurance benefit denial is reversed after 8 years Sun Life Financial Disability Insurance Claims Disability lawsuit filed against The Standard Insurance Company for denial of disability benefits to man suffering with hepatitis C Prudential wrongfully denies disability insurance benefits to man with fibromyalgia Prudential Disability Claim Denial is Reversed For Relying on Paper Medical Review to Deny Benefits Hartford Denies Disability Benefits and Then Has Claimants Lawsuit Dismissed for Failure to Submit Appeal Metlife Wrongfully Denies Disability Benefits to Walgreens Manager with Knee Injury Louisiana Disability Attorney Attempts to Reverse a Hartford ERISA Denial for CVS Manager Disability Claimant's Inability to Pass Employer's Mandatory Drug Test Policy Due to Pain Medications Results in Award of Disability Benefits Does Fibromyalgia Have a Credibility Problem in Disability Insurance Claims? Hartford misleads disability insurance claimant's doctor which results in benefit denial First Unum terminates long-term disability benefits after 4 years of paying and SSDI approval Reliance Standard limits disability insurance benefits to 24 months for mental nervous disorder, despite claimant's diagnosis of multiple sclerosis Kentucky Court reverses CIGNA's denial of disability insurance benefits to tradesworker Prudential denies long term disability benefits and then objects to releasing information during litigation Standard denies disability insurance benefits to woman with brain hemorrhage and headaches Own Occupation to Any Occupation definition change leads CIGNA to deny disability insurance benefits Court reverses CIGNA disability denial for man with knee disorder Can CIGNA approve disability benefits but deny life insurance waiver of premium? CIGNA's wrongful termination of disability waiver of life insurance premium reversed by court CIGNA can not raise new arguments for disability insurance claim denial at the trial level Guardian & Berskhire Life long term disability insurance claims Disability company ignores evidence of disabling back pain and Federal Court reverses disability benefit denial Seven pieces of medical evidence and disability company still denies claim for lack of "objective evidence" Court reverses MetLife's denial of long term disability benefits for graphic designer suffering with fibromyalgia New York Court orders CIGNA to pay over $100,000 in attorney fees following long term disability denial CIGNA long term disability denial is reversed by New York Federal Judge CIGNA terminates disability insurance benefits as claimant's back condition gets worse Prudential Disability Insurance Company Disability insurance claimants may be entitled to interest if benefits are wrongfully denied Dell Disability Lawyers hope Governor Schwarzenegger will sign bill banning discretionary clauses in long term disability policies Beware of unreasonable Prudential Disability Insurance lump sum buyout offer ERISA Pre-emption: When does ERISA apply to a short term disability insurance plan? MetLife Disability Insurance Company - Handling of Long Term Disability Insurance Claims Lloyd's of London ordered to pay over 6 million dollars to long term disability claimant Hartford scrutinizes long term disability benefit claim after 13 years of continuous disability payments Lawyers Discuss CIGNA Disability Insurance Company Liberty Mutual is sued for denial of long term disability benefits to woman suffering with fibromyalgia Missouri District court must reconsider Dearborn's LTD denial under a de novo standard Dearborn National/Dearborn Group denies long term disability benefits to woman with fibromyalgia and CFS Liberty Mutual and Wachovia interpret migraine headaches to be psychiatric and not disabling (Part I) Appellate Court finds Wachovia and Liberty Mutual's review of objective evidence of disabling migraine headaches was unreasonable (Part II) Lawyers Discuss Hartford Disability Insurance Company Claim Handling Court agrees with Unum's denial of long term disability benefits to man suffering with rheumatoid arthritis and osteoarthritis (Part II) Unum relies on independent medical exam as basis for denying long-term disability benefits (Part I) Over $500,000 of disability insurance benefits will be paid to disabled store manager following MetLife's wrongful denial (Part II) MetLife denies long term disability benefits to sears store manager with heart disease and knee problems (Part I) Liberty Life Assurance ordered to pay long term disability benefits but not attorney fees Liberty Mutual's denial of LTD benefits to woman with back disorder is reversed by Minnesota Court and affirmed by Appellate Court Unum has no right to recover $207,894.88 overpayment of long term disability benefits to attorney Hartford uses video surveillance to deny disability benefits after paying for 10 years MetLife denies LTD disability benefits to multiple sclerosis woman alleging a 3 year Statue of Limitation in Washington MetLife denies chronic fatigue syndrome long term disability claim New York court rules that MetLife abused discretion when it denied chronic fatigue claim (Part II) Disability attorney wins claim for Chronic Fatigue Syndrome client against Unum Provident (Part II) Unum Provident denies short-term disability claim to woman with chronic fatigue syndrome (Part I) Unum Provident terminates disability benefits to woman with chronic fatigue syndrome (CFS) (Part I) Arizona Court rules Provident wrongfully terminated disability benefits to insurance manager with CFS (Part II) Harvard University ordered to pay $53,817.50 in attorney fees to disability insurance claimant Disability battle against Verizon and Broadspire long-term disability plan lingers in courts for years Broadspire ordered to pay disability insurance benefits but not attorney fees Aetna denial of long-term disability benefits for chronic fatigue syndrome upheld by Court Court orders Citigroup and MetLife to answer discovery request exposing conflict of interest in long-term disability benefit denial HM Life and Broadspire wrongfully deny disability insurance benefits to a receptionist and 9th Circuit Court of Appeals reverses claim denial ERISA disability claimants can receive attorney fees with "some degree of success" Boston Mutual can not recover $163,000 overpayment to long-term disability claimant (Part II) Was Boston Mutual's decision to terminate long-term disability insurance correct? (Part I) FedEx employee disability plan wrongfully denies LTD benefits without proving job exists for man to fill Hartford pays disability benefits for 12 years and then uses video surveillance to deny benefits Are attorney fees payable in long term disability insurance cases governed by ERISA? MetLife denies long-term disability benefits to a consultant after approving them MetLife ordered to reverse denial of long-term disability insurance benefits Unum denies disability benefits to a Minnesota legal secretary with pre-existing condition Life Insurance Company of North America (CIGNA) ordered to supply information to disability insurance attorneys LINA (CIGNA) denies long-term disability benefits to yellowbook Account Executive Life Insurance Company Of North America (CIGNA) wrongfully denies disability benefits to a Kentucky repairman Did LINA wrongfully deny disability payments to claimant with multiple sclerosis? (Part II) CIGNA (LINA) terminates disability payments to woman with multiple sclerosis California lawmakers want to assist disability insurance claimants Unum attempts to hide California disability insurance attorney's attempt to obtain Unum employee reviews Man with fibromyalgia faces Prudential Insurance in appeals court (Part II) Prudential denies disability benefits to man with fibromyalgia after paying benefits for 10 years Court Orders UNUM to pay over one million dollars in attorney fees for long-term disability denial Liberty Mutual wins long-term disability case because of video surveillance - how District and Appeals Courts drew conclusions (Part II) Liberty Mutual wins long-term disability case because of video surveillance - backdrop for an unsuccessful LTD claim (Part 1) Will Life Insurance Company of America have to pay long-term disability benefits? Reliance Standard long-term disability benefits decision affirmed by Circuit Court Discovery requests in ERISA disability cases are found to be limited MetLife must reconsider denial of benefits for former MetLife employee Unum's denial of disability claim is upheld after court finds claimant failed to respond in a timely manner Postal worker loses long-term disability claim against Hartford Insurance Hewlett Packard's denial of disability benefits is upheld by appeals court Long-term disability claim against Provident almost lost because of untimely appeals MetLife abused its discretion when it terminated long-term disability benefits MetLife terminates long-term disability benefits to woman with fibromyalagia 10th Circuit Court of Appeals validates MetLife's accidental death and dismemberment denial Unum's claim handling exposes them to a multi-million dollar bad faith disability lawsuit Dell Disability Lawyers file class action law suit against Prudential Standard Insurance denies disability claim to a wheelchair bound woman Accidental death & disability dismemberment; AIG reversed by Colorado Court US court of appeals upholds denial of disability benefits by MetLife Harvard University ordered by Massachusetts federal court to pay long-term disability benefits to a former employee Standard Insurance Company's denial of long-term disability benefits to an attorney is reversed by federal court Tribal court retains jurisdiction for tribal member's disability insurance lawsuit against Assurant and Union Security Unum's denial of disability benefits to a registered nurse ("RN") and trial court victory is reversed by the appellate court Reliance Standard makes disability claimant take them to court twice in 5 years Pennsylvania Federal Court denies Unum's attempts to dismiss a physician's bad faith disability lawsuit MetLife's denial of short-term disability benefits found arbitrary and capricious Cigna failed to follow proper claim denial procedure, nurse's right to pursue disability law suit under ERISA supported by district court Prudential's failure to provide documents weighs in long term disability claimant's favor Hartford wins long-term disability case based on pre-existing condition defense The Standard Insurance Company loses their battle to enforce discretionary clauses in long-term disability policies An undiagnosed pre-existing condition will not result in denial of long-term disability benefits Reliance Standard is ordered by Arizona Court to pay long-term disability benefits to technology consultant with fibromyalgia Hartford wins long-term disability case, court rules that claimant failed to exhaust administrative remedies Hartford's unreasonable denial of disability benefits to a hospital employee is reversed by Texas Court Director disabled by heart disease takes Prudential to Illinois Court after denial of long-term disability benefits Northwestern Mutual rescinds disability policy after claimant paid premiums for 15 years Missouri Court denies MetLife's motion to dismiss long-term disability claim for failure to exhaust administrative remedies Federal judge orders Sun Life to re-evaluate long-term disability benefit denial MetLife denies physician's long-term disability claim as a result of late application filing Court orders Prudential to re-evaluate long-term disability claim of engineer suffering from chronic fatigue syndrome and fibromyalgia Court upholds Standard Insurance Company's denial of disability benefits, despite claimant's approval of social security disability benefits Federal judge reverses MetLife's denial of long-term disability benefits to a senior project manager suffering from back pain Jefferson Pilot ordered to pay disability benefits to clinical director suffering from fibromyalgia, chronic fatigue and depression CIGNA ordered to pay disability benefits to hr administrator diagnosed fibromyalgia Prudential fails to recognize pain caused by fibromyalgia as a long term disability Unum's disability claims handling tactics are exposed in New York Federal Court MetLife's denial of disability benefits can not be challenged due to claimant's statute of limitation non-compliance CIGNA / LINA fined $600,000 and required to reconsider prior disability denials Hartford is ordered to pay long-term disability benefits to a telecommunications manager Liberty Mutual's denial of disability benefits to a bank employee is reversed Metlife's wrongful denial of long-term disability benefits to a Wells Fargo employee is reversed The Standard Disability Insurance Company loses motion to prevent Dell Disability Lawyers from deposing six of the Standard's employees Broadspire and Aetna deny long-term disability benefits to manager suffering from fibromyalgia, arthritis and cervical disc disease Prudential denies long-term disability benefits to a college professor, but the California District Court reverses the claim denial Dell Disability Lawyers's client takes her case to trial against Prudential in Hawaii District Court Judge orders Prudential to pay account manager $90,416 in long-term disability benefits Nurse anesthetist denied long-term disability benefits for drug addiction by Continental casualty loses at trial and on appeal CIGNA's attempt to limit claimant to a maximum of 2 years of long-term disability benefits limitation for an organic brain disorder such as bi-polar is reversed by the District Court Unum Provident's appeal of long-term disability benefits awarded to a New York tax attorney is denied Prudential denies long-term disability benefits to a breast cancer survivor and Dell Disability Lawyers file appeal challenging denial Former financial trader files lawsuit against Connecticut General Life Insurance (MetLife) seeking lifetime long-term disability benefits National Life (UNUM) agrees to pay long-term disability benefits to a chiropractor following a skiing accident Unum found guilty of social security disability fraud by a federal jury Health insurer accused of overcharging millions MetLife releases priveleged documents prior to entry of ruling by court Court reverses Prudential's decision to deny long-term disability benefits to computer software engineer Nurse wins opportunity for reassessment of claim with Liberty Life for long-term disability benefits based on her fibromyalgia ERISA policy holders have very few legal remedies US supreme court attempts to clarify the standard of review in denial of long term disability benefits Government asks Supreme Court to broaden remedies under ERISA Cigna ordered to re-review denial of long-term disability benefits for Senior Vice President at Salomon Smith Barney Unum Group Corp. to pay $676 million in extra benefits to claimants Court to hear case that could help workers claim benefits Disability insurers are overloading social security by making insured's file false claims Reliance Standard denies Diversified's Director of National Account Sales long-term disability benefits despite long history or cardiac problems Court upholds Hartford's denial of long-term disability benefits to a quality technical specialist suffering from cervical disc herniations and vertigo Prudential and Reassure reconsider the occupation of insured at the time he claims disability Prudential's denial of disability benefits to a computer programmer is reversed by the appellate court Prudential's denial of disability benefits to a salesperson is reversed Standard's decision to deny doctor's disability benefits due to the 24-month mental/nervous limitation upheld Systems support specialist wins disability benefits case against Coca-Cola and Broadspire Dentist sues disability insurance carrier, third party administrator and allegedly independent medical examiner as a result of their conspiracy and bad faith actions to wrongfully deny disability benefits Prudential's summary judgment ruling is reversed twice by the 7th Circuit US Court of Appeals Aetna's denial of disability benefits for human resource generalist is upheld after claimant's definition of disability changes from "own occupation" to "any occupation" Salesman's disability benefits are denied by Hartford due to claimant's failure to communicate with Hartford Truck driver denied disability benefits for chronic fatigue syndrome by Aetna Dentist wins right to apply stricter standard of review in her case against Hartford for a claim for long-term disability benefits Hartford's decision to deny long-term disability benefits to a plant operator is upheld Prudential Insurance Company's denial of short-term disability benefits to attorney is reversed Federal judge OKs class action status for suit against Unum Group Continental Casualty denies sales manager's claim for disability benefits due to untimely filing of application Court holds that decedent did not intentionally misrepresent a prior medical condition in his application for life insurance benefits Hartford relies on video surveillance of the insured to deny disability benefits Metlife's denial of disability benefits to an event coordinator is upheld Diagnosis of insured's medical condition after termination of employment does not preclude disability claim Unum ordered to pay disability benefits to attorney suffering from sick building syndrome Federal judge reverses MetLife's denial of disability benefits Prudential's motion to dismiss claimant's disability benefits is denied Court upheld Standard's decision to deny disability benefits Insured denied benefits by Unum due to failure to receive "appropriate care" Prudential breaches disability contract and jury awards claimant $15.2 million in damages Disability policy covering only employers not subject to ERISA jurisdiction Broadspire's attempt to deny disability benefits after paying for 10 years is denied MetLife ordered to pay disability benefits beyond 24 months for a claimant with both mental and physical disabilities Federal Court rules that degenerative arthritis of claimant's knee was a "sickness" and not caused by an "injury" MetLife's attempts to stop paying total disability benefits after paying claimant for 10 years is denied Hartford ordered to re-evaluate denial of disability benefits Hartford ordered to pay disability benefits U.S. judge orders Broadspire to reinstate a former bank employee's disability benefits California Federal Court rejects Prudential's attempt to limit claim Can disability insurer force doctor to have surgery? Disability income often require attorney expertise Affidavit from former Unum Provident employee Continental Insurance Company ordered to pay long-term disability benefits to bank employee CIGNA can not change ERISA standard of review ERISA disability benefits denied by Lumbermens Mutual casualty due to lack of objective evidence A classic Unum Provident denial What is Complete Disablity? California disability policyholders seek class action against Unum Provident Physician who cannot perform one material and substantial duty of his occupation is totally disabled UnumProvident continues DI settlement talks with California Unum settles allegations of wrongful claims handling Hartford's refusal to provide entire claim file did not prejudice claimant's ability to dispute her denial of disability benefits What you should look for in a denial letter: disability insurance company's inadequate denial letter causes court to reinstates insured's disability benefits Hartford's Life Insurance companies reliance on surveillance video to terminate benefits was appropriate Medical opinion by treating physician unreliable and unsupported by objective test Objective medical evidence of fibromyalgia may not always be required to prove total disability UNUM ordered to pay disability benefits to legal secretary Kemper National fails to perform an independent medical exam and is ordered by the court to pay long-term disability benefits to a registered nurse ERISA Plaintiff granted disability benefits from Prudential for depression and anxiety Dentist awarded $1.21 Million for past and future benefits and bad faith damages UNUM's decision to deny disability benefits on the basis of a pre-existing condition for primary lateral sclerosis is reversed on appeal Hartford attempts to deny store clerk's claim for disability benefits on the basis of a pre-existing multiple sclerosis condition DC REVIEWS 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. Aetna is a crooked company 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 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.