Blog Posts Disability Claims Long Term Disability

UNUM Long Term Disability Lawyers

Peter H. Burke0 Comments

LTD Attorneys Assisting Clients in Pursuit of UNUM Benefits
As one of the largest long term disability insurance providers in the country, UNUM provides coverage to millions of individuals nationwide. Unfortunately, UNUM has gained a reputation as being one of the most difficult insurance companies to deal with; they have placed high on the list of companies who deny claims and have become the subject of government investigations into bad faith practices, or the practice of denying claims without cause. The high denial rate has led to a great deal of hardship on behalf of many injured and disabled clients, leaving them without the financial support they are entitled to under their LTD coverage.

At the law firm of Burke, Harvey & Frankowski, LLC, our UNUM long term disability attorneys have represented countless clients attempting to file a claim for benefits under plans offered by UNUM. We’ve also represented hundreds of clients who have had their claims denied by UNUM, as well as those who have been awarded reduced benefits payments. This experience has given us a unique insight into the inner workings of UNUM as a company, allowing us to offer advice on a number of issues, including:

Handling UNUM claims
UNUM denial issues
Prevailing against UNUM
When Going Up Against a Fortune 500 Insurance Company, Knowledge is Power

As a Fortune 500 company, UNUM has the ability to shrug off most of your attempts to collect your benefits. In short, your complaints and calls will likely fall on deaf ears as UNUM may view your claim as inconsequential.

When dealing with UNUM, it is important to understand the proper methods of getting results. Our national LTD attorneys have gained a detailed knowledge of UNUM as a company, and have first-hand knowledge of the way they handle claims for long term disability benefits. This insight allows us to offer advice on the proper methods of completing your claim, and the best manner in which to file that claim to improve your chances of successfully obtaining benefits.

Going up against UNUM can be a difficult task under the best circumstances; when you are injured or addressing a disability, the process can seem impossible. You don’t have to face UNUM alone though, our staff will help you address every step in the process of pursuing the benefits you deserve.

Blog Posts Disability Claims

Dentist Disability Claims

Peter H. Burke0 Comments

LTD Lawyers Serving Dentists Nationwide
Injured or Disabled? Talk to a Long Term Disability Attorney
As a dentist, protecting yourself and your practice are likely high on your list of priorities; insuring that you carry long term disability coverage is one key step in protecting your practice should you ever become injured or disabled. While long term disability insurance can be a great way to reduce the financial strain you feel while you are unable to work actually obtaining the benefits you are entitled to can be a difficult and confusing task.

At the law firm of Burke, Harvey & Frankowski, LLC, we offer detailed long term disability advice to dentists who have purchased their own LTD coverage. With more than 50 years of combined experience, our dentist LTD attorneys have the knowledge needed to help you pursue benefits when you are kept from working due to a serious injury or disability. These benefits can be vital in keeping your practice and your family financially secure while you work to recover or transition to the next phase in your life.

For LTD Claims & Appeals, Call an Experienced Disability Lawyer
As a dentist, you are likely very familiar with insurance claims; you’ve probably filed hundreds of claims for your patients. Unfortunately, long term disability claims can be much more complicated than a dental insurance claim. In fact, many claims are denied by the insurance provider for a number of reasons, including a lack of required information, or simply because they do not want to pay.

As an individual without employer backing or a human resources department to turn to, your claim takes on additional challenges. Fortunately, you do not have to face the process alone. Our staff will help you address the many complexities involved in the initial claims process, including:

Gathering all necessary documentation and information
Coordinating with doctors and accountants for supporting evidence of your claim
Completing your claim documents
Filing the claim in a manner that provides the best chance of approval
Unfortunately, many insurance carriers will deny your claim simply because they do not want to pay and feel that you do not have the support needed to press the issue. They could not be more wrong. Our staff will also guide you through the steps of filing an appeal, including:

Understanding the reasoning behind the denial
Addressing the issues leading to the denial
Gathering additional documentation or information
Completing the appeals paperwork
While we have often been successful in helping past clients obtain benefits through the internal appeals process with the insurance providers, some carriers simply refuse to listen to the evidence supporting your claim. Should your carrier continually refuse your claim, despite clear evidence of your qualification for benefits, we will help you file an ERISA lawsuit to have your case reviewed by a federal judge. In short, we will not rest until we have helped you exhaust every avenue to have your case approved.

Blog Posts Disability Claims

Business Owner Disability Claims

Peter H. Burke0 Comments

National LTD Claims Lawyers Assisting Business Owners
Skilled Disability Attorneys for the Injured & Disabled
As a business owner, you are probably very familiar with the task of purchasing your own insurance coverage and dealing with claims. Unfortunately, when you have been injured or are unable to run your business due to a disability, it can be very difficult to file a claim under your long term disability insurance. Fortunately, you do not have to face your battle for benefits alone.

At the law firm of Burke, Harvey & Frankowski, LLC, we understand how vital long term disability benefits can be to your family and your business while you are unable to work. With more than 50 years of combined experience, we have the knowledge needed to help you understand the benefits you are entitled to and your options for pursuing them. Whether you need assistance filing an initial claim, or require guidance appealing a previously denied claim, our staff takes the time to carefully explain every step in your proceedings.

Contact a Disability Attorney for Support in Your Quest for LTD Benefits
Since no two LTD claims are exactly the same, our business owner disability attorneys will take the time to understand your needs before offering tailored advice on your case. By personalizing our representation directly to your needs, we put you in a position that offers the best chance for successfully recovering the benefits you are entitled to under your LTD plan.

Throughout our service to you, we will offer detailed advice on each step in your process, including:

Understanding your coverage
Gathering all medical records, doctors’ reports and financial statements
Completing the initial claim documentation
Filing the claim in a manner that maximizes your chance of success
Unfortunately, even the best prepared claims often are denied by the insurance company. If your claim is denied, it is important to understand that your pursuit of benefits is far from over; you have the right to file internal appeals with the insurance company as well as the right to file an ERISA lawsuit to prompt a review of your case by a federal judge.

Our staff will help you address the reasoning behind your initial denial, and will assist in the completion of all necessary appeals documentation. In short, we will not rest until we have exhausted every option available to you during your pursuit of the benefits you are entitled to under your LTD coverage.

Contact our office online or call 888-880-9046 to schedule a free consultation to discuss your specific business owner long term disability concerns with one of our experienced LTD claims lawyers.

Blog Posts

UNUM Long Term Disability Lawyers You Can Trust

Peter H. Burke0 Comments

Attorneys Helping Clients File UNUM Claims for LTD Benefits
UNUM is one of the country’s largest insurance companies, and is listed in the Fortune 500 list. Apart from their success, UNUM has also gained a reputation for denying a large percentage of long term disability claims, or making it extremely difficult for injured or disabled individuals to complete the claims process.

If you carry UNUM long term disability coverage and are unable to work due to injury or disability, it is in your best interest to hire an attorney with knowledge of UNUM’s claims department; while it is possible to file your initial benefits claim alone, the proper legal guidance can dramatically improve your chances of successfully recovering benefits.

At the law firm of Burke, Harvey & Frankowski, LLC, our UNUM long term disability attorneys leverage more than 50 years of combined experience and a firsthand knowledge of the UNUM claims process to offer support to individuals pursuing LTD benefits. Our work representing countless clients with UNUM claims allows us to offer insightful advice throughout the process of filing your claim.

A Proven Approach to UNUM Claims
When handling a claim through UNUM, it is important to take several steps to improve your chances of obtaining benefits, including:

Provide every detail: UNUM often bases its denials on a lack of information; our staff will help you gather and organize every scrap of information related to your condition and your claim. Working closely with your doctor and an accountant, we will compile your medical records, doctors’ opinions and financial statements.
Complete the claim paperwork clearly and completely: UNUM is notorious for having claim documentation that is vague and difficult to understand. We will walk you through every question in the claims form and offer advice on the proper method of providing the required information.
Be prepared to be denied: UNUM has a habit of denying a large percentage of initial claims, even when the claim clearly demonstrates qualification for benefits. Fortunately, a denial notice from UNUM does not signal the end of your pursuit of benefits; you have the right to file a number of internal appeals with the UNUM claims department, and the option to pursue an official review by a federal judge through an ERISA lawsuit.
Don’t Leave Your LTD Claim in the Hands of UNUM Representatives
When attempting to file a long term disability benefits claim under a UNUM coverage plan, it may be helpful to have the guidance of an experienced UNUM denied claims attorney. Our staff has successfully represented countless clients throughout the UNUM claims process, helping them recover the benefits they deserved under their coverage plans.