Sun Life Disability operates throughout the U.S. and almost exclusively provides group long term disability (LTD) insurance policies. These group policies are usually purchased by employers on their employees’ behalf, and are governed by the Employee Retirement Income Security Act (ERISA). If Sun Life denies a claimant’s claim for long…
If you’ve recently received a disability insurance denial notice from Guardian Disability, you’re not alone – and you have options. Disability insurance carriers like Guardian tend to deny claims out of hand in the hopes that the claimant won’t pursue the matter further. If a disability insurance claimant does appeal,…
If you’re a claimant who has just received a letter from Mass Mutual indicating your long term disability claim was denied, you may wonder about your next steps. Can – and should – you sue Mass Mutual? Is there any chance of settling your claim outside of court? Do you…
One of the most difficult things claimants experience is asking their doctors to fill out forms and give physician statements as to how the patient’s medical condition makes it impossible for him or her to perform their job duties. This is the most important part of avoiding a disability insurance…
A question we are often asked is, “Do I need a lawyer for a long-term disability claim?” The short answer is, “Yes.” We say that for good reasons, not just because we are disability insurance lawyers. Having a lawyer involved from the beginning shows the insurance company that you are…
One question on the top of everyone’s mind about their long term disability insurance benefit is, “How long does a disability insurance claim take to process?” The answer is a common one: It all depends. There are many variables that influence how long it takes. Everyone thinks the delay is because the…
No one ever expects to become disabled. But when you need to collect Hartford disability insurance benefits you need to be prepared. In this video and article learn what every Hartford disability income policy holder needs to do when filing a claim for short-term or long-term Hartford…
We are often asked, “Do I have to quit my job before I apply for disability insurance benefits?” The answer is a resounding, “No!” In fact, you should not quit your job if you are planning on filing for benefits under your employer-provided policy. The insurance company will say since…
The application for a disability insurance benefit is the foundation for the entire claim. When a person calls us at Dell & Schaefer and says they already applied, we cannot undo that. But, if a person calls us weeks or months before they apply, we can help set the stage…
A frequent question we get asked at our disability insurance law firm is, “How does Hartford long term disability (LTD) work?” Getting approved for LTD is not as easy as just filling out a claim form and sending it in to the company. You must supply adequate medical evidence to…