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    Robbed of Your Peace of Mind? Your Guide to Long Term Disability Benefits

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    The Key To Hiring The Right Long Term Disability Attorney

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    The Smart Long Term Disability Guide For Preparing Your Statement and Field Visit

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    Your Rights To Social Security Disability Benefits - Your Guide to Getting Benefits Now

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Tag Archives: Claim Denial

Hartford Insurance Company Rehabilitation Counselors Denying Long Term Disability Claims

Did you know that it is not uncommon for Long Term Disability carriers, such as Hartford to reward their outside rehabilitation vendors for helping deny Long Term Disability claims?

Hartford has a rehabilitation supplier performance reviews on their Long Term Disability cases and part of that review actually requires the rehabilitation counselor to tell Hartford how much money they have saved Hartford by rendering an opinion that a person can return to work.

I wouldn’t be surprised that there is some form of reward system as part of the performance reviews that rewards vocational rehabilitation counselors and others for assisting in claims closures.

If you’ve received a claim’s denial letter from Hartford or other Long Term Disability carriers, and an opinion that their vocational rehabilitation counselor says that you are capable of working, you have potentially been set up by a rehabilitation provider who is putting their financial interest before yours. You need to immediately contact Long Term Disability/ERISA Hartford Denied attorney Nancy Cavey for assistance in appealing your Long Term Disability claim’s denial. Contact us today to help with your Hartford Claim.

Have You Been A Victim Of UNUM or another LTD Carrier Denial? How to Protect Yourself

August 28, 2008. By Jane Mundy RSS FeedRSS Del.icio.usDel.icio.us NewsvineSeed Newsvine FacebookFacebook

Columbus, OH: In 1997 Linda (not her real name) was involved in a serious car accident which left her disabled. Unumprovident did their due diligence and decided Linda had a legitimate claim. But in 2002, they had a change of mind—no reason, no explanation.

“Unumprovident talked to my doctors, they did a lot of research before they started to pay my long term disability benefits one year after the accident,” says Linda. “Then they just cut me off, right out of the blue. And I had been paying into this policy for more than 15 years without a claim.”

Unum VictimThe giant insurance company didn’t even send Linda a letter of explanation. Linda re-read her policy and couldn’t find any reason to have her disability payments stopped. “I made my payments to them on time, I was never late on a premium panyment,” she adds. “They had absolutely no reason—my circumstances hadn’t changed and I am still disabled. I was living on a very limited budget and panicked—what was I going to do? I couldn’t afford an attorney…

“I called Unum (formerly UnumProvident) but don’t remember exactly what was said because I have problems with my memory since the accident. But I do remember them saying something like ‘That is our policy, that’s just the way it is.’ Then I asked them to send me a registered letter to explain why my benefits were cancelled.

Meanwhile, I still continued to make payments on my premiums because the reason they cut me off was obviously a mistake and I would soon be compensated—I assumed they would figure it out and I would get a check with back pay. I’ve been afraid all these years to stop payments to Unum. I thought about canceling my policy but then I heard about a class action lawsuit.

I heard that Unumprovident had illegally stopped paying long term disability benefits for no apparent reason on people like me who were disabled. Since Unum cut me off, I have been getting social security benefits and it has been a hardship. And I still haven’t got the letter from them.”

This is just one of the tactics UnumProvident (also called First Unum and Unum) uses to deny legitimate disability insurance claims. In cases like Linda’s, they simply stop payments to policy holders without an explanation while others are denied a claim outright. Unum has found many ways to practice bad faith.

UnumProvident was accused of bad faith denials of legitimate disability insurance claims and a class action lawsuit was first filed in November 2002 but it was transferred to Tennessee and certified in September 2007. The suit alleges that UnumProvident devised a scheme to illegally deny or terminate the long-term disability claims of thousands of people in violation of the federal Employee Retirement Income Security Act of 1974.

The lawsuit alleged that UnumProvident, now called Unum Group, cut costs by denying and terminating claims; provided financial incentives to in-house physicians who would rubber-stamp previously made business decisions; and authorized more senior in-house doctors to change the written reports of other “uncooperative” in-house doctors in order to justify a claim denial or termination.

According to court documents, the class is defined as “all plan participants and beneficiaries insured under ERISA-governed long-term disability insurance policies/plans issued by UnumProvident and the insuring subsidiaries of UnumProvident throughout the United States who have had a long-term disability claim denied, terminated, or suspended on or after June 30, 1999, by UnumProvident or one or more of its insuring subsidiaries after being subjected to any of the practices alleged in the complaint.”

An Unum representative said in September that “most, if not all, of the potential class members have already been well served by the claim reassessment process that is currently scheduled to conclude before the end of the year.”

Linda has not yet been “well served” by Unum.

Answering these broad-based questions isn’t easy. Help is a phone call away. You can contact Nancy Cavey, an experienced long-term disability attorney at 727-894-3188.

Florida UNUM Disability Claims | UNUM Disability Denial Facts

UNUM, headquartered in Chattanooga, Tennessee, is the United State's largest provider of employer sponspred group disability benefits "providing benefits for 42% of today's Fortune 500" businesses. Unfortunately, it is our experience as Florida UNUM Disability Denial lawyers that UNUM does not deliver what it promises to those businesses who purchase group disability insurance for its employees.

UNUM's website would have you believe that the "foucs is on recovery." Long term disabilty benefits from UNUM "can replace part of your income so you can focus on recovery instead of worrying about your ability to pay the bill." Unfortunately, as a Florida disability lawyer who represents many UNUM policy holders, my experience is that UNUM typically stops paying short term disability benefits just before the long term disabilty benefits are to start.

Long term disability coverage "provides benefits when you are unable to work for a longer period of time and may last untill you are able to work" according to UNUM. Many times UNUM will have the file reviewed by a nurse or "independent doctor" paid by UNUM who will say you can work despite what your doctor says about you inability to work. UNUM will deny long term disability claims for 3 primary reasons: (1) There is no "objective evidence of your diagnosis" despite testing or your doctor's findings on examination. (2) There is no "objective evidence of your disability" despite physical findings of disability and pain. (3) "No relationship between your medical condition and your inability to work" despite  the fact that your employer has terminated you, you can't function at a sedenatry work level, or that you are getting Social Security Disability benefits.

If you are insured by UNUM and are thinking about applying for short or long term disability benefits or have been denied disability benefits by UNUM, contact UNUM disability denial lawyer, Nancy Cavey. Florida UNUM Disability Denial lawyer, Nancy Cavey, has written "Robbed of Your Peace of Mind", a must read about the policy terms you don't want to see in your UNUM disability policy and the mistakes you can make in your UNUM long term disability claim.

Order your no-obligation copy immediately. Answering these broad-based questions isn't easy. Help is a phone call away. You can contact Nancy Cavey, an experienced long-term disability attorney at 727-894-3188.

Tampa Bay UNUM Provident Denial Attorneys | UNUM Locations

If you have any questions about your UNUM Provident disability policy or have a question about filing a disability claim, I suggest you order a free copy of my book "Robbed Of Your Peace Of Mind."

This book will help answer your questions about your UNUM disability policy and explain the claims process. You can also contact UNUM at their Corporate offices.

Corporate offices

1 Fountain Sq
Chattanooga, TN 37402
423-294-1011

2211 Congress Street
Portland, ME 04122
207-575-2211

18 Chestnut Street
Worcester, MA 01608
774-437-4441

655 N. Central Avenue
Suite 900
Glendale, CA 91203
800-424-2008

1200 Colonial Life Blvd.
Columbia, SC 29230
803-798-7000

or call UNUM Monday – Friday, 8:00 a.m. – 8:00 p.m. EST at 1-866-679-3054.

Remember your call  to UNUM will probably be recorded! Before you make that call, call 727-894-3188 and ask to speak with UNUM Disability Denied Attorney, Nancy Cavey.

Criminals have more rights than long-term disability claimants when giving a statement

The long-term disability/ERISA carrier has called you and asked you to give a statement or to come to your house. What are you going to do?

First you really do need to retain an experienced Florida long-term disability/ERISA attorney like Nancy Cavey. We do not allow the long-term disability/ERISA carrier to contact you directly once you retain our services.

The long-term disability/ERISA carrier wants to take your statement for the sole purpose of catching you in a trap that they are building, so that they can justify a termination of your long-term disability/ERISA benefits or to force you to settle your case cheaply.

Most likely, the long-term disability/ERISA carrier already has surveillance film on you. They want to try to catch you by having you say that you can engage in activity that is different than what they have filmed you doing.

After the adjuster or investigator takes your statement, they will spring the surveillance film on you. They’ll try to make you confess that you’ve committed fraud.

If you are arrested for a crime, the first thing the police officers tell you is that you have the right to be represented. The long-term disability/ERISA carrier will never tell you you could hire a lawyer to prepare you for your statement or be with you when they come to visit with you. Be assured, a long-term disability/ERISA adjuster/investigator will treat you like a criminal who has everything to hide.

The first way you can destroy your long-term disability/ERISA claim is by not having representation when the carrier calls. You need to be prepared for this statement. That will involve reviewing all of your medical records so that you know what the doctors have said about your complaint, and what are doctors have said about your physical abilities. It will also involve a review of the Activities of Daily Living forms that you’ve completed.

We prepare our clients so that you understand the statement process, what you’re going to be asked, and how to properly and actually practice answeir the questions you’ll be asked.

Nancy Cavey also requires that any statement be done in a our office and that it be videotaped. I’ve seen too many summaries by long-term disability insurance company investigators that were self serving and completely inaccurate. It’s hard to challenge the accuracy of a summary if you don’t have a contemporaneous videotape of what occurred.

If you don’t live in St. Petersburg area, we can do your statement by videoconferencing.

Don’t destroy your long-term display/ERISA claim or give the carrier a reason to deny your claim by giving a statement to the long-term disability adjuster or investigator without having an experienced long-term disability/ERISA attorney prepare you for that statement in the present. Remember, every American who is charged with a crime has the right to ask for a lawyer. Shouldn’t you protect yourself?

Answering these broad-based questions isn’t easy. Help is a phone call away. You can contact Nancy Cavey, an experienced long-term disability attorney at 727-894-3188.

Long Term Disability Claim Denial Because “You May Be Able to Perform Your Past Prior Work or Other Work”

Unfortunately, Long Term Disability insurance companies deny claims for all sorts of reasons, however, Nancy Cavey, ERISA Long Term Disability denied lawyer, often sees denial letters which contain the language that your claim was denied “there is no evidence that demonstrates that a Long Term Disability applicant can perform a certain exertional level and remains able to perform your past, prior work or other work as proposed.” What does that mean? Long Term Disability carriers routinely will determine, based on a review of your medical records, or an analysis of your medical records by an in house nurse or peer reviewed provider that you are capable of working at least sedentary work and remain able to perform your past work.

Most Long Term Disability policies will pay benefits if you are unable to engage in your own occupation as you would perform for your employer or in a national economy. It is crucial that you obtain a copy of your job description and a DOT job description for the job as performed in the national economy.

You are going to have to develop medical evidence that shows both your physical and mental abilities. Have your physician comment on whether as objective evidence you cannot perform the physical or mental duties to perform your work. Simply saying that you cannot do the job is insufficient at The Law Offices of Nancy L. Cavey, your Pinellas and Hillsborough County Long Term Disability lawyers, we help you and your physician document your inability to perform your own occupation or your occupation as perform in a national economy.

More often than not we are also assisting you in your Social Security Disability claim, we use what is called Residual Functional Capacity forms that documents your ability to stand, sit, lift, bend and stoop. At The Law Offices of Nancy L. Cavey, we assist you in perfecting your Long Term Disability and Social Security Disability claim by showing that you cannot engage in sedentary work.

That’s not all, when appropriate, we will also have a vocational rehabilitation counselor review your job duties or the job duties as performed in the national economy and provide a report as to the impact of your limitations on your ability to perform your job duties.

Additionally, Nancy Cavey, Florida disability denied lawyer, will also in your claim’s appeal demonstrate the flaws in the Long Term Disability carrier’s vocational evidence. It is crucial that you have specific, identifiable and corroborative physical and mental limitations in attacking your Long Term Disability claims denial on the basis that you’re “able to perform your past prior work.” If your claim for Long Term Disability benefits has been denied, contact Nancy Cavey for a free Long Term Disability consultation.

Long Term Disability Claim Denial Because “You May Be Able to Perform Your Past Prior Work or Other Work”

Unfortunately, Long Term Disability insurance companies deny claims for all sorts of reasons, however, Nancy Cavey, ERISA Long Term Disability denied lawyer, often sees denial letters which contain the language that your claim was denied because “there is no evidence that demonstrates that a Long Term Disability applicant can perform at a certain exertional level and remains able to perform your past, prior work or other work as proposed.” What does that mean? Long Term Disability carriers routinely will determine, based on a review of your medical records, or an analysis of your medical records by an in house nurse or peer reviewed provider that you are capable of working at least sedentary work and remain able to perform your past work.

Most Long Term Disability policies will pay benefits if you are unable to engage in your own occupation as you would perform for your employer or in a national economy. It is crucial that you obtain a copy of your job description and a DOT job description for the job as performed in the national economy.

You are going to have to develop medical evidence that shows both your physical and mental abilities. Have your physician comment on whether or not, as objective evidence, you can perform the physical or mental duties to required to complete your work. Simply saying that you cannot do the job is insufficient. At The Law Offices of Nancy L. Cavey, your Pinellas and Hillsborough County Long Term Disability lawyers, we help you and your physician document your inability to perform your own occupation or your occupation as performed in a national economy.

More often than not we will also assist you in your Social Security Disability claim. We use what is called Residual Functional Capacity forms that documents your ability to stand, sit, lift, bend and stoop. At The Law Offices of Nancy L. Cavey, we assist you in perfecting your Long Term Disability and Social Security Disability claim by showing that you cannot engage in sedentary work.

That’s not all, when appropriate, we will also have a vocational rehabilitation counselor review your job duties or the job duties as performed in the national economy and provide a report as to the impact of your limitations on your ability to perform your job duties.

Additionally, Nancy Cavey, Florida disability denied lawyer, will also in your claim’s appeal demonstrate the flaws in the Long Term Disability carrier’s vocational evidence. It is crucial that you have specific, identifiable and corroborative physical and mental limitations in attacking your Long Term Disability claims denial on the basis that you’re “able to perform your past prior work.” If your claim for Long Term Disability benefits has been denied, contact Nancy Cavey for a free Long Term Disability consultation.