What To Do Before and After an IME Appointment
Independent medical examinations (IMEs) are often less “independent” than the term suggests. Disability insurers work closely with a network of doctors and medical providers whose primary goal is to build a case against claimants so that the insurer doesn’t have to pay out. If an insurance adjuster schedules you for an IME, it’s important that you are prepared. However, undergoing an …
What to Do if The Standard Denies Your Long-Term Disability Claim
With more than $1 billion worth of in-force premiums as of 2022, Standard Insurance Company—more commonly branded as The Standard—is one of America’s largest providers of long-term disability insurance. Their offerings include employer-provided group plans, as well as individual policies for those who choose to insure themselves. Insurance giants like The Standard don’t get as …
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 …
What to Look for in a Prudential Long-Term Disability Lawyer
The Prudential Insurance Company of America or Prudential Financial (often called “Prudential” for short) is one of the world’s largest and most successful financial services and insurance companies. Although the company is best known for offering life insurance and investment planning services, Prudential (via its subsidiary, Prudential Insurance Company of America) takes in an estimated …
Can UNUM Deny Short-Term Disability Benefits Due to a Pre-Existing Condition?
Pre-existing condition clauses and limitations are relatively rare in short-term disability insurance policies. However, you should never assume that UNUM did not sneak exclusions and exceptions into the fine print of your disability insurance policy. UNUM is the largest disability insurance company in the United States, and they have a history of wrongfully denying short-term …