15436 North Florida Ave. , Suite 103
Tampa, Florida 33613
813-935-7030

If You Had One Wish…

You just found a magical genie lamp. If you had one wish, and could have anything you wanted, what would you wish for?  Wealth?  Love?  Fame?  We know the answer to this question for nearly all of our clients and people who contact us.  If they had one wish, it would be for their health.  Be thankful every day for what you have and for your health. ...

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Memorial Day 2017

All Gave Some, Some Gave All. On this Memorial Day, Coffman Law honors the memory of the men and women of the armed forces who laid down their lives in the service and defense of our country, offers our deepest condolences to the families and friends they left behind, and expresses our sincere appreciation to all who served our nation to maintain i ...

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This Storm, Too, Shall Pass

Florida receives a lot of storms. There are seasons when the rain seems to come once a day. The clouds get dark, the thunder rolls in, and the sky begins to pour down rain on everything below. Many of our clients at Coffman Law are dealing with life-long disabling conditions. This BLOG is just a quick note to remind you that, even if it’s pou ...

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FRESH DENIAL LETTERS ARE BEST

With an ERISA denial, most people are afforded 180 days to appeal the denial in the administrative process. While 180 days may seem like a lot, the process of interviewing a potential client, sending and receiving a fee agreement, sending out a letter of representation, obtaining the claim file and reviewing it, and then proceeding to gather all ev ...

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Cutting Back To Get Through

The majority of our clients begin the process amidst a financial struggle. By the time someone comes to Coffman Law, it usually means they have been out of work, applied for disability benefits, and been denied. This means that some time has gone by since they received a pay check or benefits of any kind. Our firm does our best to get our clients m ...

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DO I HAVE TO APPLY FOR SOCIAL SECURITY DISABILITY?

For people applying for disability insurance benefits, there is no easy answer to this question. As a general rule, employer-disability insurance benefits (those governed by the Employee Retirement Income Security Act of 1974, or Federal “ERISA” statute) usually provide for what are called “Other Income Offsets”. This means ...

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Attending Physician Statements

ERISA Disability Insurance Applications generally come in three parts: Employee Statements, Employer Statements, and Attending Physician Statements. The Employee (you) completes the Employee Statement. Your employer completes the Employer Statement. Your treating physician completes the Attending Physician Statement. But there is a simple, non-obvi ...

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Obtaining ERISA Plan Documents

It’s hard to know your rights under a disability insurance contract without a copy of the contract. Fortunately, if you have a disability insurance contract through your employment, the Employee Retirement Income Security Act of 1974 (“ERISA”) provides you with access to what is called a Summary Plan Description of the contract, w ...

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Don’t Be Surprised By Other Income Offsets

You finally made it! You gathered all medical evidence and doctor support to show you are disabled and the insurance company agreed and has decided to pay. When the day finally arrives, you walk to your mailbox, and there it is. The envelope with the insurance company’s name on the outside, which holds your big check on the inside. Now, when ...

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KEEPING IT COOL CAN GO A LONG WAY

Our staff has reviewed many thousands of denied long-term disability insurance claims over the years, and while calling an attorney is one of the best things you can do once you have received a denial letter from a long-term disability insurer, there is another thing you can do on your own that runs a close second. It is exactly the opposite of wha ...

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ERISA PRE-EMPTION JUST GOT BROADER

ERISA has one of the broadest pre-emption clauses of any Federal statute. This means that any state law seeking to regulate an employee benefit plan is likely, with very narrow exceptions, to be pushed aside by the federal statute which governs employee benefit plans, the Employee Retirement Security Act of 1974 “ERISA.” In Gobeille v L ...

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HOOPS AND HELP

Navigating through the process of private disability insurance can be disconcerting. The constant barrage of requests from the insurance company and steps you must complete can seem daunting. This is part of a process which makes many abandon their disability benefits claims. If you are in your initial application phase, do the best you can to keep ...

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OVERCOMING THE WORDS

“I don’t want to be considered disabled. I worked hard all my life and I don’t like the stigma that comes with the word ‘disability’.” Some people may not want to pursue their disability insurance claim because of the terminology. Keep in mind that policies typically specify a length of time that qualifies as ...

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WHEN IS A WIN A WIN FOR ERISA ATTORNEYS’ FEES?

In Hardt v. Reliance Standard Life Ins. Co., 560 U. S. 242, 251 (2010), the United States Supreme Court unanimously held that an ERISA claimant need not be a prevailing party in order to qualify for attorney’s fees under ERISA. Instead, the Court in Hardt held that it was sufficient for the ERISA claimant to obtain “some success on the ...

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Don’t Weather The Storm Alone

As Tropical Storm Colin moves in on Florida, it makes one think of how life can be while dealing with a disability and the insurance companies. Everything can be going fine one day, and then suddenly the rain is pouring, the winds are blowing, and everything seems dark and grey. Local agencies in our area offer sandbags and resources to help with t ...

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Assume Big Brother is Watching

From time to time, insurance companies may use the services of a private investigator to conduct surveillance on a claimant. While this isn’t something to live in fear of, it is something to recognize. Surveillance may result in subjective video that could cause your benefits to be denied or terminated. While you might reasonably assume that ...

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Always Make Sure the Doctor Knows Everything

If you are seeking disability due to a number of ailments, you are probably seeing specialists for your issues. Always keep in mind that just because you go to your PCP for a common cold, doesn’t mean that your answer, when asked about the reason for your visit, should stop at “I have a cold”. State everything you are suffering fr ...

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Social Media Is Part of the Picture

What you post on the web can hurt your disability insurance claim. Many people overlook the impact of photos. Not only can current photos hurt your claim, but photos from past life events can hurt your chances of obtaining benefits. Remember, a claim manager may not notice the date stamp on a profile picture depicting you white water rafting, taken ...

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