Insurance Company Tactics
Pre-Existing Condition And Disability Need Substantial Link To Deny Claim
On Behalf of Disability Insurance Law Group | | Insurance Company TacticsMost disability insurance policies contain clauses that provide for the denial of disability claims for the first policy year if the disabling impairment was a pre-existing condition during a period
How Insurers Deny Long-Term Care Insurance Claims, Part 1
On Behalf of Disability Insurance Law Group | | Denied Long Term Care ClaimsWe are all at risk of needing a long-term care support system should we become chronically sick, sustain a long-lasting or permanent injury, develop problems with cognition or face frailty
Court Holds LTD Claimant Did Not Have A Pre-Existing Condition
On Behalf of Disability Insurance Law Group | | Denied ERISA ClaimsOn Sept. 3, the U.S. Court of Appeals for the 1st Circuit held that Aetna had wrongly denied long-term disability insurance coverage to a claimant with malignant melanoma. The opinion turns
Private Disability Claims Are Often Denied
On Behalf of Disability Insurance Law Group | | Denied Private Disability Ins. ClaimsThere is a great disparity in how people think about insurance. Many Florida residents think of it as a necessary evil and purchase the minimum required for specific purposes, while
Court Ruling On Mutual Of Omaha Pre-Existing Denial Of Benefits
On Behalf of Disability Insurance Law Group | | Disability Insurance PoliciesIn the case of Horneland v. United of Omaha Insurance Company, the eleventh circuit reversed the United States District court for the Middle District of Florida’s decision finding for the
Disability Company Delays And Denials
On Behalf of Disability Insurance Law Group | | Insurance Company TacticsDisability insurance companies employ a variety of tactics to delay, deny, and defend claims and benefits. It is important for insureds to be aware of these strategies so they can
The Pre-Existing Condition Provision In A Disability Insurance Policy
On Behalf of Disability Insurance Law Group | | Disability Insurance PoliciesMost employer-provided Long Term Disability policies and some individual disability insurance policies include an exclusion for disabilities caused by a pre-existing condition. Generally, a disability insurance pre-existing condition is defined as a mental or
Pre-Existing Condition Exclusions Are Often Misused By Companies To Deny Disability Insurance Claims
On Behalf of Disability Insurance Law Group | | Insurance Company TacticsMost every group long-term disability policy will include a complete exclusion for any disabilities caused by a pre-existing condition. Private long-term disability insurance policies purchased by individuals normally also exclude coverage for a pre-existing condition unless
Disability Insurance Policy Coverage And Denials
On Behalf of Disability Insurance Law Group | | Disability Insurance PoliciesRecently, more and more disability insurance companies are denying claims on the basis that the individual or employee is not covered under the policy. More specifically, insurance companies are asserting that at the time
Denial Tactics Used By Insurance Companies To Deny Your Long-Term Care Insurance Claim
On Behalf of Disability Insurance Law Group | | Insurance Company TacticsLong-Term Care Insurance covers costs involved with personal or medical services that are needed for an individual who is unable to care for him or herself due to disability, chronic illness,