Doctor Disability Insurance: How to Appeal a Claim Denial
You take out doctor disability insurance so it is there in case you ever need it. Unfortunately, as you might have already experienced with patients’ cases, insurance does not always come through as you expect. Insurers that issue physician specialty-specific disability policies routinely scrutinize—and too often reject—legitimate claims. When a denial stems from administrative errors, …
How to Appeal a MassMutual Long-Term Disability Claim Denial
The Massachusetts Mutual Life Insurance Company, MassMutual for short, is one of the largest insurance companies in the United States. They provide long-term disability coverage to individual policyholders, as well as employer-sponsored group plans. If you have long-term disability coverage through MassMutual and recently had a claim denied, you aren’t alone. Disability denials are commonplace …
How to Appeal a MetLife Long-Term Disability Denial
Metropolitan Life Insurance Company—more commonly known as MetLife—is one of the world’s largest financial services companies. While MetLife is typically associated with life insurance and financial services, the company has a robust disability insurance business as well. If you’ve recently had a long-term disability claim denied by MetLife, we understand how frustrated you might feel. …
How to Appeal a Prudential Long-Term Disability Denial
With nearly $1 billion in in-force premiums, Prudential Financial (via its subsidiary, Prudential Insurance Company of America) is one of the 10 largest providers of long-term disability insurance plans in the United States. They also, like many large insurers, have a long history of unfairly denying legitimate claims. Courts have had to hold them accountable …
How to Appeal a New York Life Long-Term Disability Denial
New York Life has a reputation for wrongfully denying long-term disability claims. If you’ve been denied, you only have a limited time to file a comprehensive appeal. Here’s how.
How to Appeal a Guardian Long-Term Disability Denial
With more than $23 million in in-force premiums, Guardian Life Insurance Company (often through its subsidiary Berkshire Life Insurance Company) is one of the largest providers of group disability insurance policies in the United States. Physicians and highly educated professionals are especially likely to have disability benefits through Guardian, as it is one of the …
How to Appeal a Unum Disability Denial
Unum is one of the largest insurance companies in the United States. According to recent research published by Statista, Unum (along with Unum group companies including Paul Revere Life Insurance Company and Provident) was estimated to be the country’s single largest provider of group long-term disability benefits. In 2021 alone, policyholders paid the company $9.5 …
Why Was My Lincoln Financial Disability Claim Denied?
With nearly $20 billion in annual revenue (and a net profit of $1.4 billion in 2021), Lincoln Financial Group is easily one of the largest financial services and insurance companies in the United States. And when it acquired Liberty Life Assurance Company of Boston in 2018, it became America’s largest provider of fully insured disability …
Disability Insurance for High Income Earners: Dealing With Unfair Claim Denials
According to the Centers for Disease Control, more than 1 out of every 4 American adults live with some form of functional disability. And despite many of the stereotypes that exist about people with disabilities, the truth is that this group of 61 million Americans cuts across all geographic, demographic, and cultural lines. Anyone can …
How to Appeal a Dental Insurance Claim Denial
Denied dental claims can cause stress for not only you and your practice, but your patients as well. Unfortunately, this is a common problem for practices large and small. Reimbursement from insurance providers is vital to the survival of your practice—something insurers may use as leverage. You already work long hours running your practice and …