While Sun Life disability denials are well known to our lawyers, each denied claim comes as a shock to disabled claimants and policyholders.
Wherever you live, our disability insurance attorneys can help you in actions against Sun Life Financial for their unfair denial of your claim. We can help you appeal and overturn Sun Life’s wrongful decision.
At Marc Whitehead & Associates, we frequently receive inquiries about Trustmark disability insurance claim denials. Our attorneys represent policyholders in disputes regarding Trustmark claim delays, denials and terminations.
The people we help come from a diverse range of industries and professions. Our clients suffer from all manner of disabling conditions. Whether you were denied disability benefits by Trustmark, or you’re just now filing – the right legal guidance can make the difference in your case.
If you need help getting the disability benefits you deserve in a claim against Union Central, now Ameritas, consult with our disability attorneys as soon as possible. If your disability claim was wrongly denied or has been unreasonably delayed, you have options.
To prevail against big insurance, you must make the best and most thorough effort you can in every step of the appeal. A good disability lawyer is prepared to immediately take over all efforts required for a successful disability appeal or lawsuit.
Marc Whitehead & Associates law firm is dedicated to fighting claims management companies like Sedgwick CMS against wrongful denials of disability insurance claims.
Sedgwick Claims Management Services, Inc. – Sedgwick CMS – is what is known in the insurance industry as a Third Party Administrator (TPA). Sedgwick does not actually sell or provide disability insurance.
Rather, insurance companies and employers subcontract Sedgwick to handle disability claim applications and the entire claim management process, including deciding whether to award or deny benefits and handling all disability appeals.
Has Reliance Standard wrongfully handled your disability insurance claim?
It’s not uncommon for insurance companies to resort to resourceful ways to cut costs – including not paying the claims they should. Insurers often put great effort into denying claims in the hope the claimant will give up and go away.
Fortunately, an insurance denial is not the end of your claim. If Reliance Standard has denied or terminated your disability claim, you may appeal their decision.
Our video explains that in long term disability insurance claims, there is no single, comprehensive legal definition of disability. Each insurance company writes its own definitions. As a claimant, you will receive disability benefits only if you satisfy the precise description of disability as stated in your policy.
Why is it then that so many insureds are awarded short term disability (STD) benefits, only to have the benefits cut off, or denied for long term disability (LTD) benefits – under the same policy?
Most long term disability insurance policies have limits in what they cover. These limits are written into the policy, and are called exclusions. Their purpose is to eliminate coverage for certain risks the insurance company is not willing to take on.
One very common example is the pre-existing condition exclusion.
If your insurance company has wrongly denied your claim for macular edema disability, or you have questions about the disability claim process for vision loss, we urge you to contact us.
At the law firm of Marc Whitehead & Associates, we understand the many difficulties macular edema can bring, and your need to obtain long term disability benefits. Vision loss from macular edema threatens your ability to engage in a host of daily activities such as working, driving, reading, and a multitude of routine and simple tasks, and can ultimately lead to blindness.
Recently we discussed the impact a disability insurance paper review can have on ERISA disability claims. A “paper review” is where the insurance company doesn’t even bother having their own medical professional perform a personal examination, but instead rejects someone’s case based on the documentation they provide.
Though these paper reviews aren’t as accepted in mental health cases, they are a fairly common practice for insurers when the claimant is complaining of a physical impairment.
Claimants’ attorneys have tried to fight back against this practice in physical disability cases, but for the most part, they have had little luck.
If you are suffering from a mental health disability and your insurer tries to deny your claim without having a medical professional personally examine you, it is vital that you have a representative on your side who knows how to fight back.
In order to get the long term disability benefits that you need to live a relatively normal life, chances are good that you are going to need to provide substantial medical evidence and undergo numerous tests in order to prove you truly are suffering.