Edward O Comitz’s Answers

Edward O Comitz

Scottsdale Insurance Law Lawyer.

Contributor Level 8
  1. Is it legal for a long term disability Ins. to request their payments back when you are award Social Security Disability?

    Answered about 5 years ago.

    1. Edward O Comitz
    2. Lu Ann Trevino
    2 lawyer answers

    While I am not licensed to practice in your state, I can provide some general information. If your disability insurance policy was employer-sponsored, there was likely and offset provision. An offset provision would mean that if you collected any other form of disability (like Social Security), the insurer could reduce the benefits it pays you. Most group and employer-sponsored policies have this provision, but most private policies do not. You should check what kind of policy you have and...

    2 people marked this answer as helpful

  2. If I am disabled and receive disability benefits and then becoming an author/writer considered work?

    Answered about 5 years ago.

    1. Edward O Comitz
    1 lawyer answer

    While I am not licensed to practice in your state, I can provide some general information. The answer to your question will depend on the type of disability policy that you have and how that policy defines your occupation. For example, if you have a private “own-occupation” policy, you can get compensation following a disability that prevents you from performing the particular duties of your original occupation. However, if you have an "any occupation" policy, you may only be able to collect...

    2 people marked this answer as helpful

  3. It is legal for ltd insurance co to use an offset of my social security wages?

    Answered about 5 years ago.

    1. Edward O Comitz
    2. Lucas Gene Radney
    2 lawyer answers

    Though I'm not licensed to practice in your state, I can provide some general information for you. This practice is usually legal. You should check your insurance policy to see if there is an "offset clause." An offset clause means that the company can reduce the benefits it pays you if you collect SSD. Many insurance policies, especially those that are employer- or group-sponsored, have this type of clause. If there is such a clause in your policy, you are probably out of luck on this...

    1 person marked this answer as helpful

  4. My long term disability company sent me a letter requesting payback of $19,800 dollars, can they do that?

    Answered about 5 years ago.

    1. Edward O Comitz
    1 lawyer answer

    While I am not licensed to practice in your state, I can provide some general information. If your disability insurance policy was employer-sponsored, there was likely and offset provision. An offset provision would mean that if you collected any other form of disability (like Social Security), the insurer could reduce the benefits it pays you. Most group and employer-sponsored policies have this provision, but most private policies do not. You should check what kind of policy you have and...

    1 person marked this answer as helpful

  5. I need a long term disability insurance lawyer

    Answered over 5 years ago.

    1. Edward O Comitz
    2. Alan James Brinkmeier
    2 lawyer answers

    Insurance companies use a variety of means to deny or terminate legimate claims. In many cases, the wrong person has been placed under surveillence. I recommend that you ask for the tape and strongly suggest that they are mistake. I also recommend that you do this in writing.

    1 person marked this answer as helpful

  6. I have been on claim with Paul revere, now unum for over 10 years. they out of clear blue offered a lumpsum buyout.

    Answered over 2 years ago.

    1. Zonald Evan Spinks
    2. Edward O Comitz
    2 lawyer answers

    I agree with the previous comment that you should speak with an attorney in person before you take any action on Paul Revere's offer. With that said, I'll tell you from my experience what some general advantages and disadvantages of taking a lump sum buyout are. When claimants take a buyout, they no longer have to worry about filling out monthly claim forms and getting a doctor to complete the attending physician's statements, nor do they have to fear any further surveillance, field interviews,...