Herbert M. Hill, P.A.

Federal regulations allow insurance companies 45 days to respond to an initial Administrative Appeal, and they can claim an additional 45 days for a response without giving a reason. If the insurance company requests the claimant to provide documentation, these time periods are "tolled." Tolls mean the time it takes to respond to the inquiry is added to the 90 days they already have. However, it is not unusual to receive these requests shortly before the expiration of the 90-day period.

In the United States, the majority of employer-provided group Long Term Disability insurance is governed by ERISA, the Employee Retirement Income Security Act. ERISA is a federal law that requires specific procedures and time limits when filing Long Term Disability claims.

There are four current impacts of the pandemic. These include the impact on those forced out of work from contracting the virus, those who were already 'on claim' after contracting the virus, and those whose physicians have told them that the risk of going to the workplace is not acceptable because of related conditions. Additionally, insurance companies show significant resistance to accepting claims based on COVID-19. Contact us if you have any questions about your Short Term or Long Term Disability claim.

Not necessarily. If you became disabled at the time the policy was in effect, you would remain entitled to benefits for as long as you remain disabled.

This will be determined on a case-by-case basis. At Herbert M. Hill, P.A., we can help you understand the specifics of your situation and whether or not you are entitled to those Long Term Disability benefits after your employment ends. Contact us today to speak with one of our experienced attorneys.

Yes, our attorneys have worked with many clients on cases involving Medical Records Reviewers reports. We follow a specific process when responding to these reports to ensure that you are properly represented. Call us today to schedule a consultation to discuss your case.

If you are entering a Long Term Disability case, it is in your best interest to get help from an experienced attorney. Insurance companies can make it very difficult to reach your desired outcome if you do not have someone to fight your case. Call us today to set up a consultation.

The details of your case will be extremely important moving forward in a Short Term or Long Term Disability case. At Herbert M. Hill, P.A., our attorneys are here to help you prepare your claim and ensure that you have everything needed to get the result you are looking for.

At Herbert M .Hill, P.A., we work very hard to ensure that the transition between your disability coverage is seamless. Our attorneys can assist you in filling out and filing the application for Long Term Disability so that it can be approved in a timely manner.

At Herbert M. Hill, P.A., we understand that dealing with insurance companies throughout the claims process can be stressful. When working with us, our firm handles the phone calls and paperwork from the insurance company on your behalf.

At Herbert M. Hill, P.A., we always represent the individual, never the insurance companies. You can find a comprehensive list of insurance firms we have gone up against on our website.

The insurance company is allowed 45 days to make their decision under the applicable regulations in an E.R.I.S.A. claim. However, they are granted an additional 45 days, should they request it. This means that the window of time is much closer to 90 days than 45 days in the majority of cases we see in our office. This may vary from case to case, so we recommend requesting a free case evaluation to discuss the details of your claim.

Through our experience, it is common for an insurance company to suggest that receipt of Short Term Disability is necessary to secure Long Term Disability benefits. Coordinating receipt of both types of benefits may be difficult, which is why we recommend scheduling a free consultation with our attorneys to discuss your case.