Is the long term disability insurance company within their rights to deny my claim after 2 years?

It depends on the terms of the contract, but is is extremely common for insurance companies to deny benefits after 24 months/2 years, typically for...

Is it to late to file a civil action under section 502 for my disability if the final decision was received may 7, 2012?

If the denial was issued in South Carolina and the plan is governed by ERISA them it probably is not too late. Consult with an attorney to make...

I was accepted for SSD in June 2013. Can Hartford Insurance Disability make me reapply for SSD and go back to May 2012 ?

Get an attorney who specializes in STD and LTD claims to review the policies, not an SSDI attorney. The are very different and expertise with one...

When figuring a settlement option on LTD does the insurer base your monthly benefit before taking the social security offset?

It will be based on the total benefit minus any offsets. Once that total amount is calculated it will be reduced to present value dollars. It...

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My long term disability considers my retirement benefits as an offset..

What is considered an offset is dictated by the terms of the contract, regardless of the source (private vs. employer). You should have an...

How to apply for short term disability

Does your company provide short term disability benefits? If so, you should contact your human resources for claim forms or look in your Summary...

Can I sue an insurance company providing me with private disability payments for harassment?

Yes, this sort of behavior and these requests are not unusual and are typically part of the policy language. Policies typically require you to...

Short Term Disability is payroll practice managed by LTD insurer which is ERISA. What type of attorney would handle both?

There are many attorneys who handle disability claims. The important part is to get one who focuses on fighting insurance companies, not dealing...

Are there any legal ramifications if a Human Resource Director mistakenly releases an employee's personal information?

Depends on what you want to happen. Do you want to keep your job? Do you want to get the loan? I cannot imagine this was anything but an...

I received prompt follow up from claims adjuster after sending a notification to file claim. Does this mean they want to settle?

No, this is no indication that they want to settle.