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Why is a different company handling my claim for short or long term disability benefits?

Attorney Gregory DellAuthor: Attorney Gregory Dell

There are many insurance companies that sell short and long term disability insurance policies, but they do not administer the policy if a disability claim needs to be made. Most large companies such as AT&T and Walgreens will self fund their disability insurance benefits and use a third party administrator to make a decision on a claimant’s eligibility for benefits. Equitable Life Insurance company sold disability insurance policies for many years, but they us Disability Management Services to handle any filed claim. Watch our video to learn more about third party administrators.

There are 6 opinions so far. Add your comment below.

Miguel Pandolfelli:

I need representation for my claim against my employer PepsiCo.

Attorney Stephen Jessup:


If you need assistance with respect to a short or long term disability policy through PepsiCo, then by all means feel free to contact our office to discuss any potential claim/issue you may have.


Just wondering, is UNUM a third administrator for major companies? Didn’t hear them mentioned in your video. Having a major issue with my employer, Citigroup, who uses MetLife for self funded short term & long term disability claims. Thanks.

Attorney Stephen Jessup:


Unum will sometimes act in an administration capacity with MetLife, but usually only under individual insurance policies.

Curtis McGhee:

I need help on a appeal. The company said I could go back to work but I am still under doctor care for what they took me off for. American Electric Power. Prudential is handling their LTD for them.

Attorney Stephen Jessup:


Please feel free to contact our office to discuss how we may be able to assist you in filing your appeal.

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