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Anthem Disability Claims Lawyer
ESTEEMED ANTHEM DISABILITY CLAIMS ATTORNEYS 
At The Law Office of Nancy L. Cavey, our Florida disability claims lawyer focuses on helping people obtain their short-term and long-term disability benefits. With nearly 40 decades of experience, Nancy L. Cavey has helped thousands of clients get the full and fair disability compensation that they deserve. If your claim was denied by Anthem, we are here for you and your family. For a free, no-strings-attached initial consultation with an Anthem disability claims lawyer in Florida, please do not hesitate to contact us today.
Anthem Disability Insurance
Founded in Indianapolis in 1946, Anthem has grown dramatically over the last several decades. The company is now one of the largest insurance providers in the United States. In 2020, Anthem was ranked 29th on the Fortune 500 list. Primarily offering health insurance plans under the name “Blue Cross and Blue Shield”, Anthem also offers disability insurance.
Most of the people who have Anthem disability insurance receive it as a complement to their employer-backed health insurance coverage. Unfortunately, you cannot always rely on big insurance companies to pay out claims. It can sometimes be difficult to get short-term or long-term disability benefits paid by large insurance companies, including Anthem.
You Can Appeal An Anthem Disability Denial
If you are running into problems applying for short-term disability benefits or long-term disability benefits through Anthem, you are far from alone. It is not uncommon for big insurance companies to delay or deny benefits on spurious grounds. You may have received a disability denial letter from Anthem Blue Cross and Blue Shield. If so, it is crucial that you carefully review that letter to figure out exactly why the company denied your benefits. Some of the most common reasons why disability claims are denied by Anthem include:
- Claimant errors in the disability application;
- Insufficient medical documents & records;
- Disputes about the medical evidence;
- Overuse of policy exclusions; and
- Bad faith disability settlement practices.
You must take immediate action to appeal a disability denial. If you have an ERISA disability policy, you generally have 180 days to challenge a denial. However, with non-ERISA disability insurance, the deadline may be as short as 30 days. Your policy details and denial letter should clarify the applicable deadline in your case. Before you file a disability appeal, it is imperative that you consult with an experienced professional who can help you gather the evidence and information you need to hold Anthem accountable.
Anthem Disability Claims: Frequently Asked Questions (FAQs)
What Do I Need to Do to Apply for Disability Benefits?
You can apply for disability benefits through Anthem using the company’s claims process. As Anthem disability policies are typically employer-sponsored—meaning they are covered by ERISA—workers and their families should be able to get the proper claims form directly through their employer. For additional information on getting the proper initial claims form, Anthem recommends that policyholders and beneficiaries call the company’s disability line at 1-800-813-5682 or reach out to their individual group’s case manager.
How Does Anthem Calculate Disability Benefits?
Your disability benefits will depend on the specific terms of your coverage. Anthem offers several different types of disability insurance benefits. Some people have flat rate coverage, while others are entitled to receive a certain percentage of their pre-disability salary. In most cases, Anthem disability benefits are paid between 40 percent and 66 percent of an individual’s pre-disability salary. You should always make sure that you have adequate disability insurance coverage to protect yourself and your family, no matter what tomorrow brings.
How Much Does It Cost to Hire a Disability Claims Lawyer?
With The Law Office of Nancy L. Cavey, all clients are protected by our no-fee guarantee. There are no upfront or out-of-pocket costs. Our Florida disability claims lawyer only gets paid when Anthem pays your claim. We are on your side every step of the way. During a free initial consultation, our law firm will let you know if you have a case.
Contact Our Anthem Disability Claims Lawyer Today
We are here to help. At The Law Office of Nancy L. Cavey, our St. Petersburg disability lawyer has the professional skills and legal expertise that you can count on. If you need help getting disability benefits paid by Anthem, we are here as a resource. Call us now or get in touch with us online to set up your no-cost, fully private initial consultation. From our St. Petersburg law office, we handle disability claims and appeals in Florida and nationwide.