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Edward O Comitz

Edward Comitz’s Answers

6 total

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

    as I review MRIs, monthly,quarerly,Drs reports, IME neurosurgeon, and monthly Dr. statements provided to verify the spinalcord injuries sustained were still there for 10 years, i am wondering that being near 60 would the lumpsum be the pract...

    Edward’s Answer

    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, etc.--so they have peace of mind. Many also find it helpful to have a lump sum of money to use as capital for new projects, to leave for their children, or to invest on their own. The downsides of a buyout are that they lose the steady stream of monthly income, and that they end up with a lower total benefit amount than they would have if they stayed on claim. As far as whether the money would be taxable, I can't answer that for sure without knowing your particular situation, but generally, if someone pays for an individual disability policy with their own post-tax dollars, the benefits are non-taxable. Again, that's a question for your own attorney. If you accept the buyout, the terms of payment will be worked out at that time. Feel free to check out the disability insurance blog and the insurance commissioners' website that I'm linking to below for more infomration.

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

    i appealed my denial for continued LTD benefits and my appeal was approved. upon approval they told me that since I received ssd for that time frame that I actually owe them $24,000. so the $8,000 i was getting for retro pay and the $1,100 a mon...

    Edward’s Answer

    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 issue. If you are still in doubt about your insurance company's actions, it would be best to talk to a NJ insurance law attorney.

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

    I have been in a long term disability insurance for over 30 years. Two years ago I became ill and couldn't return to work. So I file a claim with my long term disability Ins. carrier and began receiving payments. I also filed for SSI at that time...

    Edward’s 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 consult with a disability insurance attorney in your state if you still have concerns. You can try to find an Alabama attorney that charges no fee for an initial consultation, and she could tell you if there is anything she can do to help.

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

    I was receiving long term disability from my previous employer since March 2008. In September I started receiving SSDI also. I didn't think any thing about it because one was from where I worked and the other was federal. This weekend I got a l...

    Edward’s 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 consult with a disability insurance attorney in your state if you still have concerns. You can try to find a WI attorney that charges no fee for an initial consultation, and she could tell you if there is anything she can do to help.

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

    I have several poems written back in 1990's. I became permanently disabled in 2004. I have not been able to work since. I want to publish those poems I wrote a long time ago. If I get paid for any of the published poems, let say in a book for...

    Edward’s 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 your benefits if you are unable to perform any occupation for which you are deemed reasonably qualified by education, training, or experience. You should check your policy and consult an attorney in your state if you have confusion about the policy definitions.

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  • I need a long term disability insurance lawyer

    My wife is in a long term disability, today the insurance company called my wife and told her that her insurance pay was terminated. They said they had evidence(video) showing my wife was in Dulles Airport last month and lift a luggage so she...

    Edward’s Answer

    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.

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