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Dearborn National Disability Claims Lawyer
Experienced Dearborn National Disability Claims Attorneys
At The Law Office of Nancy L. Cavey, our Dearborn National disability claim attorney is a skilled, compassionate advocate for people and families. With nearly four decades of legal experience, our founding lawyer Nancy L. Cavey has helped thousands of clients secure benefits. Whether you need help with an initial claim or an appeal, our Dearborn National disability claims lawyer is ready to get started on your case. To request a no-cost, no-obligation initial consultation, please call our St. Petersburg office or get in touch with us directly through our website.
What To Know About Dearborn National Disability Claims
Founded in 1969, the Dearborn National Life Insurance Company has its main headquarters just outside of Chicago, in Lombard, Illinois. Dearborn National offers a number of different insurance policies to help provide financial security to people, including disability insurance coverage.
Unfortunately, it is not always easy to get full and fair financial benefits from a major insurer carrier like the Dearborn National Life Insurance Company. If you run into any difficulties during the claims process, an experienced disability attorney will protect your rights.
Were Your Disability Benefits Denied By Dearborn National?
Was your short-term disability compensation or long-term disability compensation denied by the Dearborn National Life Insurance Company? You can appeal the decision. Do not give up on your financial benefits without pursuing every available option to protect your rights. A disability denial letter from Dearborn National should contain some key details about the appeals process. Notably, the denial letter should also include information regarding why the insurance company came to its decision. Some of the common reasons why Dearborn National denies claims include:
- Mistakes in the application for disability benefits;
- Inadequate medical documents and records;
- Disagreements over the medical or vocational evidence;
- The use of policy exclusions; and
- Bad faith conduct by the insurance company.
There Is A Strict Deadline To File An Appeal
One of the most important things to know about disability denials is that there is a strict deadline to start the appeals process. How long you have will depend, in part, on how you obtained disability coverage. If your Dearborn National policy comes from an employer, then your coverage is likely regulated by the Employee Retirement Income Security Act (ERISA). There is a 180-day appeal deadline for ERISA policies. For non-employment-based disability coverage, you will need to refer to your specific policy. You may have less than 180 days to start the appeals process.
Dearborn National Disability Claims: FAQs
What Do I Do to Apply for Disability Benefits With Dearborn National?
Are you preparing to file an initial disability claim through the Dearborn National Life Insurance Company? If so, you need to use the proper claims forms—including all supplemental evidence along with your initial application. Through its official website, Dearborn National provides a sample long-term disability (LTD) claims form. If you have employer coverage, you should be able to obtain a copy directly through your company or organization.
How Does Dearborn National Calculate Long-Term Disability Benefits?
With a Dearborn National disability policy, your long-term disability benefits will be calculated, in large part, based on your pre-disability earnings. Depending on the specific nature and terms of your policy, you may be able to get LTD benefits valued somewhere between 40 and 75 percent of your pre-disability weekly earnings—up to a maximum policy benefit. If you have any specific questions about how your disability benefits will be calculated by Dearborn National, an experienced attorney can help get you a reliable answer.
Can I Afford a Disability Lawyer?
Yes. Regardless of your financial situation, you can always afford to hire an experienced disability attorney to help with your Dearborn National claim. The Law Office of Nancy L. Cavey offers a comprehensive no-fee guarantee to clients in Florida and nationwide. You pay nothing until we help secure benefits. There are no out-of-pocket costs for our services.
Contact Our Dearborn National Disability Claims Lawyer Today
At The Law Office of Nancy L. Cavey, our Florida disability lawyer has a track record of success in helping people and families secure their disability benefits. We can help you with a Dearborn National claim. Call us now or connect with us online to arrange your no-cost, no-obligation appointment with a top-rated attorney. From our St. Petersburg law office, we are proud to provide nationwide representation in long-term and short-term disability claims.