HM Insurance Group describes itself as being comprised of three underwriting insurance carriers. It is a national company that “works to protect employers and healthcare entities from the financial risks associated with healthcare costs.”
The company provides group health-related insurance products for employers and healthcare providers in the United States. It offers employer stop loss and worksite advantage products, like accident, critical illness, and disability income insurance products.
For many U.S. workers, their employers offer disability benefits as part of their employment packages. This is especially true for most group policies governed by the Employee Retirement Income Security Act of 1974 (ERISA), millions of which HM Insurance Group underwrites.
Many workers believe that because HM Insurance Group policies are offered by their employers, the insurer will provide little to no resistance when employees need to pursue their disability benefits. Unfortunately, it takes very little time to learn this is untrue.
That is why we are here. Our national disability insurance attorneys represent HM Insurance Group policyholders nationwide — no matter where they live or work in the U.S. — with their best interests and true success in mind so our clients can pursue the benefits they are entitled to from their employer-provided coverage or private policies. Contact us today to learn more.
While it is not required to have a disability claims attorney to respond to an ERISA claim dispute or denial, having legal representation can be highly beneficial.
Here are some reasons why individuals often choose to consult with or hire our nationwide disability claims attorneys for their ERISA-specific claims:
ERISA is a complex set of federal regulations that governs employee benefit plans, including disability insurance. Our skilled nationwide attorneys specialize in ERISA law, understand the intricacies of these regulations, and can navigate them effectively.
ERISA requires individuals to exhaust the internal appeals process provided by the insurance plan before filing a lawsuit. Our lawyers can guide you through this process, ensuring you adhere to the requirements outlined in the plan documents.
Our experienced disability claims attorneys can assess the strengths and weaknesses of your case, helping you present the most compelling argument during the internal appeals process. We understand the factors that may lead to a successful claim resolution.
The administrative record, which includes all documentation related to your claim, is crucial in an ERISA claim dispute. Our lawyers can help ensure the administrative record is complete and favorable to your case.
ERISA has strict procedural requirements, and failure to comply with these requirements can jeopardize your claim. Our dedicated attorneys can help you avoid common procedural errors leading to claim denials.
If your claim is denied, our disability insurance claims attorneys can review the denial letter, assess the reasons for denial, and identify any weaknesses in the insurer’s decision. This information is crucial for building a strong case during the appeals process.
If the internal appeals process is unsuccessful, you may have the option to file a lawsuit under ERISA. Our lawyers can assist with preparing legal documents, navigating the court process, and representing you effectively in litigation if necessary.
Legal guidance ensures you are well informed about your rights under ERISA. If needed, we can advocate, negotiate with the insurance company, or represent you in court.
Insurance companies may be more willing to negotiate and settle claims when they know that an experienced attorney represents the claimant. This can lead to a more favorable outcome.
ERISA case law is continually evolving, and our experienced attorneys in this area are familiar with relevant legal precedents. This knowledge can be crucial when formulating legal arguments and strategies.
While you can respond to an ERISA claim dispute or denial on your own, consulting with our disability claims attorney can significantly enhance your ability to navigate the complexities of the process and increase the likelihood of a successful outcome. 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.
If you are receiving resistance from HM Insurance Group for your U.S. disability claim, or if your claim has already been denied, contact our dedicated disability insurance attorneys nationwide at 954-989-9000 or online to schedule a free, confidential case assessment without delay.
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