At Disability Insurance Law Group, our Florida American United Life Insurance Company (AUL) claims attorneys know that AUL is the founding member of OneAmerica and offers a comprehensive portfolio of products totaling $33 billion in assets alone.
Its employee benefits products include a strong portfolio of disability insurance products that are available as both employer-paid and voluntary, private policies.
For many U.S. workers, in Florida and across the nation, employer-paid disability benefits are provided as part of their employment packages. When it is time to submit an American United disability claim, many workers believe that because their coverage is offered by their employers, the insurer will provide little to no resistance during the process. The reality is, employer-provided disability benefits often complicate the submission process.
This is especially true for most group policies that are governed by the Employee Retirement Income Security Act of 1974 (ERISA), millions of which are underwritten by American United. ERISA disability insurance has tighter submission deadlines, and tougher approval protocols than most private policies, as the language in the contract is often ambiguous and confusing, which can lead to an immediate claim denial.
That is why we are here. Our Broward County disability insurance attorneys represent American United disability insurance policyholders across the nation — no matter where they live or work in the U.S. — with only their best interests and true success in mind. Contact us today for help.
American United bills its company as a provider of flexible disability solutions with employer-paid and voluntary options.
That includes:
Designed to protect an employee’s income if they are unable to work for a short period due to an injury, illness, or birth of a child.
Designed to protect an employee’s income if they are out of work for an extended period due to a more serious injury or illness.
Designed as a supplemental source of income protection used alongside short-term or long-term disability coverage. It provides a single, lump sum payment that can help with disability-related expenses like medical bills or modifications and day-to-day living expenses.
AUL’s website promotes a seamless disability claim service, stating “From online claims submissions to easy-to-navigate, informative reporting capabilities, we provide a hassle-free experience balanced with the human touch and compassion that are so important during life’s most difficult times.”
Unfortunately, that commitment does not ring true for all policyholders, which can deal a significant blow to their medical, emotional, and financial well-being.
American United’s long-term disability claims are often denied for insufficient medical evidence, failure to cooperate with the claim submission process, missed filing deadlines, or stating that the injuries or illnesses within the claim are not covered by the policy.
In most cases, disability claim denials come automatically, which is part of the insurance company’s success in protecting its bottom line. Our nationwide disability insurance lawyers take exception to this protocol and will pursue your claim even after it has been initially denied.
With over 50 combined years of experience, our Florida, Nationwide American United disability insurance attorneys know that understanding the definition that dictates your coverage is key to winning and maintaining your disability benefits.
Whether you are considering applying for benefits, are waiting for a claim’s decision, or have been denied, we are available to assist you with your American United disability claim anywhere in the country, contact our dedicated disability insurance attorneys nationwide at 954-989-9000 or online to schedule a free, confidential case assessment without delay.
We are fully dedicated to providing transparent legal services that allow us to pursue real results for real people who need our help — no matter where they live or work in the U.S.
Fill out the form and we’ll be in touch with you shortly, or call us now at 954-989-9000.
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