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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 …

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 …

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 …

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 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 …

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 …

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 …

Located in Norco, LA, and built in the 1980s, the Valero St. Charles Refinery is one of the newest oil refineries in the United States.With over 600 people under their employ, Valero ranks safety as their foundation for success. Though Valero claims to have received the highest plant safety recognition by the U.S. Occupational Safety …

Shell Norco Manufacturing Complex Shell Manufacturing Complex in Norco, LA is the second largest employer in St. Charles Parish. Featuring both refining and chemical facilities, Shell Norco Manufacturing Complex is recognized as one of the largest petrochemical facilities in the United States. According to Shell’s website, approximately 1,200 people are employed at their petrochemical facility …

The Disability Management Sourcebook estimates that over the last 25 years, the number of working people between the ages of 17 and 44 who suffered from a severe disability increased over 400%. According to the Council for Disability Awareness, long-term disabilities have grown four times faster than the increase in the number of employees in …