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Table of Contents Nine Critical Steps to Take Prior to Filing Your Claim #1 Know Your Policy #2 Make Sure Your Doctor Supports Your Claim #3 Get Your Finances in Order #4 Know What You Are Disabled From Doing #5 Start a Diary or Journal #6 Enlist Support #7 Choose the Correct Date for Disability …

As a Louisiana long-term disability lawyer, I have seen denial letters where individuals with a physical disability are said to have a mental disability by the insurer. Why would they do that? The answer is simple and in my opinion in bad faith – most group long-term disability insurance policies have a clause limiting benefits …

Founded in 1909, Mutual of Omaha Insurance Company is a Fortune 500 company offering a variety of insurance and financial products for individuals, businesses, and groups in the United States.With 2019 revenues recorded at $10.4 billion and a net income of $271 million, Mutual of Omaha did not get so big by gladly paying out …

Founded in 1810, The Hartford Financial Services Group, Inc.—better known as “The Hartford”—is an investment and insurance company offering a range of products, including both short and long-term disability insurance.As of 2019, The Hartford had a net income of $2.1 billion and was ranked 161 on the Fortune 500 list.Despite these astronomical profits, Hartford is …

Founded in 1957, this Bellevue, Washington company is relatively new when compared to other insurance company giants. Symetra offers a variety of insurance products including life insurance, individual, and employer-provided group insurance. Symetra’s revenue, net income, and total assets are measured in the billions. Symetra advertises that it is people-focused and touts its clients as …

CIGNA – also known as the Life Insurance Company of North America or LINA – is one of the largest disability insurance companies in the country with more than 180 million customer and patient relationships in more than 30 countries and jurisdictions with a global workforce of more than 70,000 employees. Being one of the …

This case illustrates why ERISA long-term disability claims are so difficult to prove and why having a skilled Louisiana long-term disability lawyer who can craft a solid strategy for overturning a denial is so important! Janet was a customer service specialist for a major corporation.  She loved her job and was good at what she …

A quick story about a recent caller – let’s call her Debra (names changed for protection). Debra worked for a local hospital for a number of years until a series of unfortunate events happened in her life. Debra had always dealt with some depression since she was a child, but she was able to manage …

In many of the ERISA disability insurance benefits cases I see as a Louisiana long-term disability lawyer, the vocational analysis used to evaluate the tasks and duties of our clients is so far off that they seem to have been taken from books dating back to what might feel like another century. The reason it …

If you are a doctor or dentist practicing in Louisiana and had your LTD claim denied, you are likely wondering – WHY DID I BUY THIS DISABILITY INSURANCE POLICY IN THE FIRST PLACE? As a Louisiana long-term disability lawyer, many of my clients are feeling the same frustrations. You were trying to the things the …

Have you ever heard the line – “What you say can and will be used against you”?  Cops are required to tell you that when you are arrested.  But – not your long-term disability insurance company. However, as a Louisiana long-term disability lawyer, I can tell you, that you should take this advice to heart.  …

You file a claim for long-term disability benefits under your employer-provided policy. You get a letter back from the insurance company saying – “Sorry, your condition is a pre-existing condition, so we don’t cover you.” Long-Term Disability Denial for Pre-Existing Condition Here’s the thing – most long-term disability policies contain a clause that allows the …