One thing most ERISA disability insurance companies don’t want you to know is that they have a playbook of denial tactics used to protect their financial interests. It is one of the main reasons it’s so hard to prove your claim and win the disability benefits that are rightfully yours.
A common tactic we often help our claimants fight in their battle to win their disability claim is the IME – TSA insurance denial tactic.
In the video above we discuss the insurance company’s tactic of “cherry picking” the records for evidence of your ability to work. This likely means the insurer is suppressing or ignoring evidence of disability as well.
You can call it many things – cherry picking, rejecting inconvenient evidence, selective observation, slanting, dismissing contrary evidence – but it all boils down to ignoring critical evidence. By doing so, an insurer is able to smother the relevant facts that prove you are unable to work.
Insurers frequently deny disability benefits based on the lack of “objective medical evidence.” This can make or break your claim.
Our video begins with a reminder that disability insurance companies are always looking for ways to reduce their liability. They want to cut costs, and so have developed strategies and tactics by which they are able to reduce long term disability benefits – and even deny benefits altogether, or terminate existing benefits.
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?