American United Life Disability Insurance Benefits Lawyers
In many cases, a delayed or denied claim for American United Life disability benefits can be overturned and won, with the right help.
If you received a denial letter, if they’re giving you the runaround, or if you are about to file for disability benefits with this insurer, contact us for a Free Case Evaluation.
Our disability insurance attorneys actively represent claimants nationwide that were denied benefits by America United Life Insurance Company, or AUL.
AIG Disability Insurance Claim Denial Lawyers
If you are a victim of a wrongfully denied AIG disability insurance claim, we may be able to help. Don’t accept or give up on a rejected claim without talking to us first.
Marc Whitehead & Associates has helped hundreds of claimants fight back to win their rightful LTD insurance benefits. Our experienced legal team can help you in every aspect of your AIG claim, from application to appealing a denial, or a lawsuit in federal or state court.
Camp Lejeune Water Contamination 2016 – Proposed Ruling
After three decades, the VA is making headway into getting a final rule established for veterans and their families who were stationed at Camp Lejeune Marine Corps Base in Fayetteville, North Carolina and suffered disability through exposure to the base’s toxic water supply.
On Sept 9, 2016, the VA’s proposed rule hit the Federal Register. The rule will establish presumptions for the service connection of eight diseases suffered by veterans who came into contact with the military base’s contaminated water.
How Do Disability Appeal Lawyers Win Denied LTD Claims
Today’s video explains how disability appeal lawyers can really help when the insurance company denies your claim. One of the main ways we assist is to fully “load the administrative record” with favorable evidence during the appeals process.
What does “load the record” mean, and why is it so important?
You know that to file a successful initial disability claim includes a lot more than just filling out forms. This holds true for appealing a long term disability insurance denial.
How to Set Your Initial LTD Claim Up For Success!
In the video above, we explain the first steps in filing a group disability claim. But what’s the secret to filing an initial LTD claim that is successful?
Most people find the process of applying for disability insurance benefits — and actually getting the monthly payments they need — to be far more difficult and distressing than they ever expected.
How to Prove Chronic Fatigue Syndrome to Get LTD Insurance Benefits
Are you applying for long term disability insurance benefits for CFS? Here’s important Information to help you understand and prove Chronic Fatigue Syndrome to the insurance company.
Chronic Fatigue Syndrome, or CFS, is one of five conditions that are commonly labeled as “subjective disorders.” What does this mean? It means that they can’t be proven through objective medical testing.
Because of this, long term disability insurance providers typically fight hard to deny these types of claims. If you want to get the benefits that you deserve, you need to understand how the condition works, what kinds of information and documentation is necessary for a diagnosis, and how to convince your long term disability insurance provider that you truly are dealing with an issue that prevents you from working.
Fibromyalgia and Long Term Disability Insurance Claims
Information you need to know about fibromyalgia and long term disability insurance – important tips to avoid or defeat denial of this chronic illness and qualify for LTD benefits.
Recently we briefly touched on the five so-called “subjective disorders” that people often have a hard time proving to their insurer in order to start collecting the disability benefits that they need.
Can Subjective Disorders Qualify for LTD Benefits?
Subjective disorders are those conditions where symptoms are noticeable only to the patient, such as pain or fatigue.
When you are experiencing physical or mental distress, nothing about it seems very “subjective.” But when it comes to actually receiving a diagnosis and getting long term disability insurance benefits through your insurance company, there are several disorders that tend to fall on the borderline, and that can make it more difficult for you to get the help you need.
The Standard LTD Denial Heart Disease Overturned
A leader in disability insurance, the company known as The Standard is a subsidiary of StanCorp Financial Group, Inc. The Standard sells individual and group disability insurance plans for both short-and long term disability insurance coverage throughout the United States.
Marc Whitehead & Associates have assisted hundreds of clients in their fight against wrongfully denied disability insurance claims. We routinely represent policyholders in their appeal of The Standard LTD denial of benefits.
Recently, we had the pleasure to assist an over 60 woman from Texas who suffers from lateral ischemia of the heart, hypertension, diabetes and herniated discs in her appeal of a Standard LTD disability denial.
Liberty Mutual LTD Denial Multiple Sclerosis Overturned
As disability attorneys, we represent unfairly denied Liberty Mutual disability claims for policyholders throughout the U.S.
Liberty Mutual has been selling group disability insurance to employers for over 60 years. These group benefits are intended to replace a portion of an insured employee’s income lost during a disabling sickness or injury.
Liberty Mutual sells group coverage for both short-term disability and long-term disability. Short-term disability provides benefits for intervals up to 13 or 26 weeks; Long-term disability provides benefits for longer durations, typically up to age 65 or retirement age.
Hartford LTD Denial Reversed for Dentist
Founded 200 years ago, The Hartford Financial Services is one of the largest insurance companies in the United States and is a leading carrier of short term and long-term disability insurance. Our experienced disability attorneys represent Hartford LTD denial claims at the appeal and lawsuit stages of disability claims.
Recently, we represented a Dentist from Texas with severe back and spinal issues, lumbar spondylolisthesis, and a complete shoulder replacement in her appeal of Hartford’s decision to deny her claim for long term disability (LTD) benefits.
There was no real justification for the denial she received. The insurance company failed to take into account the substantial and ongoing medical limitations of our client’s physical impairments. They also ignored the severe impairments caused by our client’s necessary medications.
Prudential LTD Denial Reversed Acute Back Pain
The Prudential Insurance Company of America is the second largest provider of group life insurance in the U.S. and a leading carrier of short term and long-term disability insurance. Our experienced disability attorneys represent Prudential LTD denial claims at the appeal and lawsuit stages of disability claims.
We recently had the chance to represent a 59 year old man from Sarasota, FL in his appeal of Prudential’s decision to deny his claim for long term disability (LTD) benefits. Our client suffers from degenerative disc disease of the spine and lower back pain from Reiter’s Syndrome.
Although our client submitted his application for disability benefits within the specifications of the policy and within the correct timeframe, Prudential denied the claim for benefits stating that our client was not disabled under the terms of the plan.
MetLife LTD Denial Chronic Pain Reversed on Appeal
Founded over 140 years ago, today MetLife is a global leader in the insurance industry. A great number of our clients have suffered from denials of their MetLife disability claims. Our experienced lawyers represent claimants in appeals and lawsuits across the U.S. in cases of MetLife LTD denial.
One of our recent MetLife clients is a 59 year old woman from Ahoskie, North Carolina with severe back and leg pain, arthritis, and fibromyalgia which all lead to chronic pain. We were able to represent her in the appeal of MetLife’s decision to deny her claim for long term disability (LTD) benefits.
Our client first submitted her claim for long term disability benefits in the form requested by MetLife and was awarded benefits for 24 months.
UNUM LTD Denial Overturned Vertigo
Our experienced disability attorneys represent Unum LTD denial claims at both the appeal and litigation stages. Unum is one of the nation’s largest long term disability insurance carriers.
A great number of our clients have been further disadvantaged by Unum’s wrongful denial of their claim for disability benefits.
We recently represented a 59 year old woman from Atlanta, Georgia in her appeal of Unum’s decision to deny her claim for long term disability (LTD) benefits. Our client endures degenerative bone disease and cardiac issues as well as severe vertigo brought on by medication.
Cigna LTD Denial Huntingtons Disease Appealed
CIGNA is a major long term disability insurance company and many of our clients have experienced the denial of their CIGNA disability claims. Our lawyers handle CIGNA LTD denials nationwide at the appeal or lawsuit level to recover benefits due under the plan.
We recently represented a 48 year old man from Houston, TX with Huntington’s disease, anxiety and memory loss in his appeal of CIGNA’s decision to deny his claim for long-term disability (LTD) benefits.
AETNA LTD Denial Reversed for Client with Radiculopathy
AETNA is among the biggest long term disability insurance providers in the United States and many of our clients have suffered from a denial of their AETNA benefits claim. Our disability lawyers represent AETNA LTD denials at the appeal or lawsuit stage.
Our firm successfully represented a 48 year old woman, from Savannah, Georgia, in her recent appeal of an Aetna Life Insurance Company’s denial for long-term disability (LTD) benefits. We were able to take the responsibility for the appeal off of her shoulders and win her the benefits that she deserves.
Long Term Disability Claim
No one expects to have trouble with their long term disability claim. A disabling condition, such as cancer, diabetes, chronic fatigue, back injury, PTSD, depression or any serious illness or accidental injury can interrupt or end a person’s ability to earn a living.
Insurance companies are in business to make money for themselves and their shareholders. To escape paying benefits on valid claims, many resort to a playbook of denial tactics, such as insisting that:
Long Term Disability Faqs
Q: How much time do I have to appeal a denied claim?
If you have an individual LTD insurance policy, one that you purchased privately, the time in which you must appeal the denial will be specified in the letter of denial sent to you by the insurance company. Most private LTD policies allow you 180 days to appeal the denial—but it is critical that you check the denial letter to be sure.
Long Term Disability Lawyer
Most people who are victims of a disabling condition never thought they’d also be victims of their insurance provider. Never thought they’d need a long term disability lawyer to help them get their rightful disability benefits.
Unum Disability Complaints
Unum’s handling of disability claims has been the focus of countless lawsuits. Among other disciplinary actions, Unum was the subject of an investigation by the Department of Labor that led to a court order fining Unum for $15 million for inappropriately denying claims. The company was then directed to reevaluate over 200,000 claims they had previously denied.
