It is a nightmare when you suffer an injury or illness that does not allow you to work. Luckily, there is a Minnesota Mutual long-term disability insurance available, and if you are part of a group or individual plan, you can tap into these benefits. Sadly, disability insurance companies will wrongfully delay or deny claims, making it more challenging to get the money you need when you cannot work. Minnesota Mutual is notorious for delaying and denying valid claims.
At the J. Price McNamara ERISA Insurance Claim Attorney, we understand how challenging it is to seek the benefits you need and face a claim delay or denial. We have spent the last decade fighting disability insurance companies to protect the rights of the injured and disabled.
Many of our case results are in the hundreds of thousands or millions for injury or disability victims. We have extensive experience with long-term disability and ERISA claims, so you never have to wonder if we have the qualifications to handle your case.
Many insurance policies include verbiage that favors the insurer, not the claimant. Minnesota Mutual is known for these tactics and will go out of its way to keep benefits from those they insure during their difficult times.
You need the right representation for your disability claim or appeal with Minnesota Mutual. Contact our firm for more information today.
A mental or physical disability may includes neck injuries, cancer, heart conditions, back injuries, and more. Many conditions can deem a person unable to perform their job duties. There are different large disability insurance companies in the country, and they each have several issues regarding paying out claims.
Standard Insurance Company and Minnesota Mutual partner together, so you may see the names come in interchangeably in your policy or when filing a claim.
Standard Insurance is the fourth largest in the country, collecting over $1 billion in premiums yearly. The company offers group and individual policies for short or long-term disability. The Standard uses different plan options to delay and deny claims, so while you think you are eligible under your plan, there is a caveat that says you are not. It is essential to review your insurance plan with a disability claim lawyer to understand what you are eligible for and if you should make changes to your policy.
Minnesota Mutual is the largest insurance company in the nation and a partner to Standard. They have similar procedures regarding long-term disability claims. Together, these companies cover over four million people in group and private policies. Your disability insurance is likely with one of these companies, and you need a disability lawyer who knows how to take on these insurers and get winning results for their clients.
When you suffer an injury that makes it so you cannot work, it is shocking, and you might not know what to do next. We think disabled workers should always understand how to file a claim and when they need legal help.
The first step for either company is to file a claim within the filing deadline. You must complete one or several forms detailing your injuries and ailments. You will also need to provide information on your occupational duties, salary and earning information, and medical documents. All of these documents will help prove you are suffering from a condition that leaves you out of work. The process should end here, as the insurer can determine whether to approve or deny your claim. They may, however, request additional information or delay your claim.
Many reasons exist for a claim denial. If the LTD insurer denies your claim, they will need to provide you with an explanation. The insurance company will need to provide documents outlining which reason applies to your case, whether it is the medical condition, missed deadlines, untimely submissions, or a disagreement with your doctor’s findings.
Depending on the denial reason, you will have different options for your next step and appeal. Your options will depend on your policy if you have a private or individual plan. Under a group policy, you can file an appeal through the administrative process and then file an ERISA lawsuit. If you receive a long-term disability claim denial, you will need to discuss your options with a Minnesota mutual long-term disability lawyer.
An administrative disability appeal is the first step after you receive a denial. It requires you to submit documents of your medical condition and how they prevent you from employment in your own occupation or any occupation.
You must submit specific rebuttals for every reason on the denial letter during the process. Every aspect of a disability claim must be precise. There are very stringent deadlines you need to meet throughout the process, and if you miss them, your entire claim will exempt you from filing a lawsuit.
When you file an appeal and receive another denial, your next option is to file a lawsuit. Some policies do not have an appeal process, and you will skip directly to filing a case. There are different disability lawsuits you can file depending on the details of your policy and the reason for the denial. Since you do not know how far your claim will go, you must keep all pertinent documents.
When you have a Minnesota Mutual long-term disability lawyer from the beginning, they will have all the documents you need. Still, getting all of the papers in time for a lawsuit can be challenging if you hire a lawyer later in the process.
A disability lawsuit will depend on the documents and case files you can provide. There is no jury, and a judge will decide on your case, so the more thorough documents you have, the better your chances.
Winning a lawsuit does not mean you are at the end of your claim. After a specific time, insurance companies will assess your claim to continue to give you benefits. These benefits are not endless, and you may need to continue to provide documents to the insurance company to continue to get paid. The time and any additional documents will be in your policy. The disability claim process is complex, especially when you need to file a lawsuit. It is imperative to have a long-term disability lawyer guiding you on the next steps and potential pitfalls.
Minnesota Mutual and The Standard know how to deny and delay claims. Some tips can make the process smoother for you and your lawyer, especially when you receive a denial and must take further action. The best advice is to keep all documents. You will receive many different documents through the process and must keep them in a safe space.
Examples of documents you need are:
A disability claim will depend on the small details. You can face a denial simply because someone did not say the right thing. Documentation is key to these claims. If you cannot find a document or remember having a conversation, make a note and provide the information to your lawyer so they can request these documents.
There are some valid claim denials but also some wrongful ones. It can be challenging for claimants to decipher between the two. In other cases, these insurance companies will present unreasonable delays, which worsen the person’s condition.
As a disabled person, you may be unaware of how to hold these parties liable or if you have a wrongful denial. You will need a Minnesota mutual disability insurance lawyer to determine if the denial was wrongful and if the insurance company acted in bad faith.
A bad faith denial happens when Minnesota Mutual doesn’t pay a legitimate claim. There is a requirement for these companies to act in good faith and not look for ways to avoid paying a valid claim.
Common examples of bad faith practices are:
For a valid claim, the Standard must pay within a reasonable time frame. If they do not, they are acting in bad faith.
Bad faith actions are not available in every claim, as certain laws prohibit them with ERISA-covered policies. We can assess all of your options for legal action regarding your disability insurance denial.
The Standard and Minnesota Mutual can and will deny claims by ignoring the treating physician’s statements regarding limitations and more. A disability claim relies on medical documentation, and if the insurance company ignores these documents, it is detrimental to your case and can constitute bad faith.
While insurance companies can put language in their policies regarding how heavily your physician’s statements and records will affect your claim, that doesn’t entirely exclude them. There are other options for the inclusion of these documents.
The Standard and Minnesota Mutual will hire private investigators to find evidence to dispute your claim. They will often hire these professionals in cases that deal with fibromyalgia and neck or back injuries. The disability insurance company can deny your claim if the private investigator finds the right angle and pictures. The amount of surveillance you can experience will range from daily stakeouts to being followed. If you believe you have a private investigator or someone following you, it is critical to speak with a lawyer immediately.
Insurance companies also have a pronounced way of delaying claims; they will repeatedly request documents and make the process unbearable. They assume that the more complex they make it for you to get compensation, the more likely you are to back out. They may send so many requests you lose track of deadlines leaving the door open for a claim denial. One way to avoid this is to have a lawyer handle all requests and documentation filings.
There are many other reasons you can face a claim denial, and there are defenses for each. The insurance company will often send claimants to an independent medical examination or a functional capacity evaluation. When they cannot deny a claim, they will offer a low settlement that doesn’t cover your expenses. Insurance companies will also have ambiguous language regarding policy limits or try to delay the claim by transferring it to different adjusters.
Essentially The Standard and Minnesota Mutual will use everything at their disposal to prevent you from getting the benefits you deserve. You should do everything in your power to defend your claim, starting by hiring a skilled long-term disability lawyer.
A significant concern for disability claimants is how much a long-term disability lawyer will cost. J. Price McNamara ERISA Insurance Claim Attorney offers free consultations. You can get answers to all your disability claim questions free of charge. You have no obligation to move forward with our firm, but we will offer you the best advice for your circumstances.
If you decide to proceed with a disability insurance claim, we will handle it on a contingency fee basis. During a disability claim, we will not collect fees until we reach a favorable settlement. We only receive reimbursement for our work by getting you a recovery.
You need protection from these predatory insurance practices and, therefore, need someone ready to fight for your rights to compensation. J. Price McNamara ERISA Insurance Claim Attorney focuses on helping injury victims and disability claimants during the challenging process. We will work with disability claimants from the initial filing to a court settlement. No long-term disability case is too complex for us to represent you.
We know how to work with long-term disability insurance companies. The claims process is daunting, but it should not be. You will need to alter your entire life, and you have disability benefits to help you do that. Do not let Minnesota Mutual or The Standard wrongfully delay or deny your claim. Instead, contact our Minnesota Mutual long-term disability insurance lawyer at (504) 420-6962 today. Because ERISA is a federal law, we can serve clients throughout the nation.