Life insurance is often purchased to protect the surviving beneficiary or beneficiaries financially, especially if the insured was a breadwinner. Because of this, it is important that insurance companies timely pay life insurance benefits. The last thing a grieving...
Holding Insurance Companies Accountable For The Coverage They Promised And The Benefits You Deserve
Helping People Like You With Their Disability, Life And Long-Term Care Benefit Claims
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Challenges of a disability insurance claim based on anxiety
We are currently having a collective experience that provokes some degree of natural anxiety in almost everyone. However, when the level of anxiety becomes overwhelming, it can prevent a person from being able to work in their occupation. Individuals with a private,...
Disability Insurance Law Group wins lawsuit and secures disability benefits for claimant suffering from cervical and lumbar pain after MetLife terminated benefits
Our client, Mrs. Y was covered under her employer-provided Short-Term and Long-Term Disability Insurance Policy, issued by Metropolitan Life Insurance Company (“MetLife”). Ultimately, Ms. Y became disabled from her occupation and any occupations due to cervical and...
Common exclusions found in life insurance policies
Florida residents and others looking to purchase life insurance should understand that policies are binding contracts. Therefore, they may contain exclusions or exceptions that buyers need to look for prior to making a purchase. The exclusions or loopholes included in...
Insurance Companies Continue to Discriminate Against Mental Health Treatment Despite Parity Laws
NPR recently published the web article, 'Mental Health Parity' Is Still An Elusive Goal In U.S. Insurance Coverage, written by Graison Dangor....
Disability Insurance Law Group Aggressively represents Our Lupus Clients
is the proud sponsor of the Lupus Foundation of America Walk to End Lupus Now. sponsored and attended the Walk that took place on April 27, 2019 in Orlando, Florida. Our Team has also sponsored and will attend...
Problems you could encounter with long-term care insurance
As you age, preparing for the future becomes a priority. Florida residents may be living longer, but they are also suffering from physical and mental ailments that require a substantial amount of care.The odds of needing long-term care at some point in the future...
Are you under surveillance by your disability insurance company?
Surveillance is a frequent tool used by disability insurance companies to try to deny or terminate claims. We often hear from claimants: "I have nothing to worry about, because I am actually disabled. Let them follow me;" "I would know if I were under surveillance;"...
Liberty Insurance forced by Court to pay LTD Benefits for Anxiety and Bipolar Disorders
In May 2015, Wells Fargo & Company (Wells) hired Rosa Ramirez as a Financial Crimes Specialist. Shortly thereafter, in August 2016, Ms. Ramirez stopped working at Wells after suffering a mental breakdown following an altercation with her manager. Thereafter, due...
ERISA Disability Insurance Appeals – Appealing A Long Term Disability Denial
Individuals who receive short term disability and long term disability coverage as a benefit of their employment are often shocked when their insurance carrier unreasonably delays the review and approval of a claim or unjustifiably denies or terminates their...