DISABILITY INSURANCE

Private employers, such as hospitals, credit unions or companies may provide their employees with group disability insurance as a benefit of employment.  Rights to these benefits are protected by federal law.

Some examples of insurance companies that provide disability insurance are:

  • CIGNA (GIGNA Group Insurance),
  • Aetna, Inc.,
  • Lincoln Financial Group (Lincoln National Life Insurance Company),
  • Priority Health (Priority Health Managed Benefits, Inc.),
  • Prudential (The Prudential Insurance Company of America),
  • Humana, Inc.,
  • MassMutual,
  • Metlife (Metropolitan Life Insurance Company),
  • Northwestern Mutual (Northwestern Mutual Life Insurance Company),
  • Guardian (The Guardian Life Insurance Company of America),
  • Principal Financial Group,
  • Country Insurance,
  • Mutual of Omaha,
  • Northwestern Mutual,
  • Colonial Life Insurance Company,
  • AXA Insurance,
  • Berkshire Insurance,
  • CNA Insurance,
  • New York Life Insurance,

  • John Hancock Insurance Company,
  • The Standard (Standard Insurance Company),
  • Unum,
  • Regence Life and Health Insurance Company,
  • Health Net., Inc.,
  • Assurant,
  • WellPoint, Inc.,
  • UnitedHealth Group Incorporated, and,
  • Blue Cross Blue Shield,

The typical coverage is short-term disability (“STD”) and long-term disability (“LTD”) insurance. 

Unfortunately, when you become disabled, the insurance company may wrongfully deny your claim for disability benefits, alleging that you are not “disabled” or that you are “able to work”.  When a wrongful denial is involved, the insurance company can prey on your weakness – that you feel physically unable to put up a legal fight.  Also, the insurance companies already have an advantage over you because you may not be aware of strict deadline and evidence requirements that the federal law or some federal Courts impose during the insurance appeals process.  Failure to know these rules could mean losing important rights under a federal law called “ERISA” (Employee Retirement Income Security Act of 1974).

To complicate matters, some people make the mistake of relying on advice from their human resources or even an outside insurance sales agent as to what they should do about a denial of their disability claim.  Unless these individuals are licensed attorneys who are knowledgeable in ERISA appeals and litigation then they should not be advising you regarding your disability claim because you could lose valuable rights and benefits.

The insurance company may claim that there is no “clinical data” in your medical file to support your “disability”, while ignoring the overwhelming medical evidence.  This is not necessarily a legitimate basis for denial.  Call the Finley Law Firm to assist you with your claim.

If you have questions or concerns about: (1) making a disability claim, (2) your pending disability claim or (3) if your disability claim has been denied and you need assistance appealing your denial, don’t wait, call use now.  The longer you wait, the more chance there is to lose valuable rights and benefits.

To schedule an appointment to discuss your disability insurance claim, please call (734) 475-4659.

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The foregoing is general information only and does not constitute legal advice regarding your specific legal matter nor does it create an attorney-client relationship regarding your matter.