Monthly Archives May 2022

Authority and Disability Insurance Companies

Authority and Disability Insurance Companies Disability insurance companies are not the ultimate authority on whether or not a claimant is entitled to received benefits.  Some people may feel like they do not have a valid claim for disability benefits simply because the insurance company denied their original application or their appeal.   The insurance company is not the final authority on your right to benefits It’s a fact that the insurance company does get to decide whether or not to pay your initial benefits.  They also have the decision during any appeals whether or not you will get paid.  However,
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Contingency Fee Agreements

There are many law firms that offer representation based on a contingency agreement.  But what does this mean?  What is a contingency fee agreement and how does that work? What is a contingency fee agreement? A contingency fee agreement means that the fee you would pay to the attorney for their services is contingent upon something, usually some type of success.  With our firm, you will not pay a fee and we will not collect costs unless we get you money, whether that be a approval of benefits, a settlement, or winning your case in a lawsuit. How does a
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Approval for LTD May Not Be Long-Lasting

Approval of your LTD benefits usually comes with a clause that states “as long as you continue to meet the policy definitions of disability.”  But what does that mean?   What are policy definitions of disability? The policy definitions of disability are exactly what they sound like: what your specific policy defines as being disabled, the medical conditions for which the insurance company will pay, and how long the insurance company will pay for disability caused by those conditions.  Most disability insurance policies specify how long they pay for disability from own occupation (generally two years, sometimes shorter) versus disability
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Employment and Disability Benefits

Employment and Disability Benefits Employment while receiving disability benefits sounds like a conflicting statement, doesn’t it?  However, many people go out of work and start receiving disability benefits and expect or hope to return to their job as quickly as possible.  Not only is the suffering from a disabling condition something that no one wishes for, but the desire to work and earn a living is important to a lot of people.  There’s also the benefit of health insurance and other employee benefits that may be lost if you lose your job.   Does an employer have to hold my
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Disability Benefits Approved in Spring Hill, Florida

Coffman Law has successfully had another client approved in Spring Hill, Florida for disability insurance benefits. A client came to us suffering from medical conditions including degenerative joint disease, fibromyalgia, carpal tunnel syndrome, migraines, and microcytic anemia. CIGNA denied her claim based on their reviewing physician’s opinion that “pain is associated with fibromyalgia and exercise is encouraged to help reduce the pain.  Staying off work is not the standard of care for fibromyalgia” but then went on to state that the client worked in a sedentary occupation and the restrictions and limitations wouldn’t preclude her from being able to work
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Long-Term Disability Denial

WHAT SHOULD I DO WITH A DENIAL LETTER FROM A LONG-TERM DISABILITY INSURANCE COMPANY? You may be wondering what you should do if you find yourself in the situation where you have a long-term disability policy and have reached a point where you need to file a claim, only to have the insurance company give a denial on your claim. But what should you do next? And what’s this disability insurance thing all about? What is a disability insurance policy and what is it for? Disability insurance policies are most often seen as an employee benefit that is offered as
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