Questions answered by Debra Kay Butler

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How to contact the bar association to make a complaint about my attorney in California and what condition will be considered?

Debra's answer | Answered on January 21, 2016

Although I think it is premature to be suspicious about your Attorney or that 45 days constitutes an unreasonable delay in receipt of the...

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If my Pru LTD has 24-mo limit for mental but it is 2ndary to a physical dis, do I lose the policy or can I keep without appeal?

Debra's answer | Answered on November 03, 2015

It sounds like you have been reading the internet a lot. None of what you say is really conflicting, they are just different possible scenarios....

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Long Term Disability Attorney

Debra's answer | Answered on November 03, 2015

It sounds like you need a lawyer who specializes in ERISA disability claims to appeal the denial of the long term disability. I would recommend you...

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Our insurance company , Cigna , approve my daughters surgery and sent the approval to her doctor 's office and now will not pay

Debra's answer | Answered on November 03, 2015

What does your doctor's office say about appealing the post-surgery denial? As there was a pre-approval, it seems CIGNA should pay for the surgery....

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I was hired 5 years ago the handbook packet offers sick and vacation and health. They have denied the health every year.

Debra's answer | Answered on October 09, 2015

You should consult an employment law attorney regarding your concerns about your rights and treatment. No attorney can give you an educated...

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Do I need a QDRO if the Pension Plan does not require one.

Debra's answer | Answered on October 09, 2015

First of all, you do not "hire a QDRO." You hire a lawyer who prepares a "QDRO" i.e. a Qualified Domestic Relations Order which is then filed with...

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I had a job ending medical issue, receive s.s. and long term benfits told they were stopping. they say I can work. Advice?

Debra's answer | Answered on October 09, 2015

If your long term disability insurance came through your employment ("group insurance"), it is likely an ERISA matter. I am sure you realize that...

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I was in an accident but will they come after my husbands assets for what is above and beyond what my insurance will cover?

Debra's answer | Answered on August 26, 2015

If your husband is a owner or co-owner of the vehicle, he can be liable up only to $5,000 for property damage caused by your negligence, assuming...

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Can a insurance decrease my benefit amount because it was Christmas time and I worked less hours that pay period

Debra's answer | Answered on May 15, 2015

It sounds like they adjusted your base earnings from which the benefit is calculated. They should explain the calculations to you in writing. You...

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Joe , made me his beneficiary on his pension years ago,I'm 48 he did it when I was 18. They said I couldn't get it? Can I get it

Debra's answer | Answered on December 19, 2014

I would recommend that first you find any documentation you can that Uncle Joe did have this pension, then send copies of that to the new...

Debra Kay Butler's Answers (38)

How to contact the bar association to make a complaint about my attorney in California and what condition will be considered?

If my Pru LTD has 24-mo limit for mental but it is 2ndary to a physical dis, do I lose the policy or can I keep without appeal?

Long Term Disability Attorney

Our insurance company , Cigna , approve my daughters surgery and sent the approval to her doctor 's office and now will not pay

I was hired 5 years ago the handbook packet offers sick and vacation and health. They have denied the health every year.

Do I need a QDRO if the Pension Plan does not require one.

I had a job ending medical issue, receive s.s. and long term benfits told they were stopping. they say I can work. Advice?

I was in an accident but will they come after my husbands assets for what is above and beyond what my insurance will cover?

Can a insurance decrease my benefit amount because it was Christmas time and I worked less hours that pay period

Joe , made me his beneficiary on his pension years ago,I'm 48 he did it when I was 18. They said I couldn't get it? Can I get it