Archived
Insurance denies coverage on group plan through job. haven't been working because doctors are slow to resolve (2014)
John's answer
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Answered on January 29, 2015
Have you filed for disability benefits? It sounds like your health insurance is not covering your medical bills bases on a préexisting condition...
Archived
Long term disability denied by Cigna due frivolous reason, should I appeal? I heard Cigna was the worst insurance company for
John's answer
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Answered on January 20, 2015
At this point in time you need a lawyer experienced in handling ERISA benefit claims. It sounds like you have exhausted the administrative appeal...
Is there a time frame to file an AD&D insurance claim?
John's answer
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Answered on January 20, 2015
Yes, there usually is a time limit to file claims under an AD&D policy. But that time limit is not enforceable unless the insurance company can...
Archived
How does my husband start the process of filing a claim with a disability insurance company? He has not worked for five years.
John's answer
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Answered on January 14, 2015
Most policies have a time limit within which one must apply for benefits. But in California those time limits don't apply unless the delay...
Archived
2-3 months missed life insurance payments right before death
John's answer
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Answered on January 13, 2015
If your friend's life insurance was through his employer it would be a group policy that would also have rights for conversion and typically 90...
Archived
General question about ERISA Statues & award of Equitable Relief or to be made whole from Pension Plan Dis. wrongful offsetting
John's answer
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Answered on January 07, 2015
If the Plan erroneously offset your pension disability benefits you can collect those back benefits plus interest and if you have to file a lawsuit...
Archived
Open enrollment for health life and disability 2013 states coverage begins 1/1/14, company never processed are they liable...
John's answer
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Answered on December 30, 2014
You need to find an attorney specializing in ERISA claims in your State for help.
Archived
What Power does the California Insurance Commissioner really have when an Insurance Co. wrongs a client ?
John's answer
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Answered on December 15, 2014
If this is a policy she obtained through her work it is most likely governed by Federal law known as ERISA. If so she must request an appeal...
Can my insurance company's adjuster ask where I was before the auto accident in question? If so, can I refuse to answer?
John's answer
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Answered on December 03, 2014
Your insurance company is obligated to protect you, so be truthful with them. The fact that you were drinking will not void your coverage. If you...
Archived
If disabled from work because of an heart attack and want to try to go back to work full time, do I have to pay disability back.
John's answer
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Answered on November 24, 2014
Most disability policies have a provision to allow claimants the opportunity to voluntarily go back to work on a trial basis. If you want to try to...
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