If you have a disability policy from the Paul Revere Life Insurance Company, you may feel secure that your finances will be protected if you ever suffer a disabling condition that leaves you unable to return to your job. Some claimants find that their claims are denied even though they are disabled. If this happens to you, the experienced team at Osterhout Berger Disability Law is ready to assist you with your claim and your appeal.
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The Paul Revere Life Insurance Company was founded in 1930 by the Masonic Protective Association in order to offer benefits to people who were not Masons. The company was acquired by Provident in 1997 and later merged with Unum in 1999. It sold many disability policies during the 1980s and 1990s, and many of them were purchased by high-earning doctors, lawyers and business owners. Some of these policies offered monthly benefits of up to $45,000. During the late 1990s, Provident and the Paul Revere Life Insurance Company began a strategy of denying the claims of people who were being paid more than $10,000 per month. In a resulting class action lawsuit, Unum agreed to settle these claims for $676 million.
Disability policies from the Paul Revere Life Insurance Company include both short- and long-term disability options. The short-term disability coverage pays weekly benefits for a limited duration according to the terms of your policy. In order to receive benefits, you must be disabled during your policy’s elimination period. Some people also have long-term coverage through the Paul Revere Life Insurance Company. These policies may offer disability benefits for terms of up to five years or until you reach age 65, depending on the provisions of your policy.
Short-term disability insurance may become a necessity in the event you become injured or ill for a short period of time. If you have a short-term disability from the Paul Revere Life Insurance Company, there’s one item you should be aware of before you move forward to file a claim. First, this insurance company has a predetermined list of illnesses and injuries that it considers to be “covered” under the policy. If your illness or injury is not on this list, you won’t be able to receive the benefits you need to cover your expenses while you’re out of work. Make sure that you read your policy carefully before you file for a claim. If you file for a claim and your illness or injury isn’t listed as a covered illness or injury, the insurance company won’t approve your claim.
If your illness or injury is covered under your policy, you’ll also want to make sure that you understand the benefits you’re entitled to collect. Find out what percentage of your income you’ll be receiving. Understand how long your elimination period is so that you know how long you’ll have to wait before you can even start receiving your benefits. Becoming familiar with how your plan works will help you when it comes time to file your disability claim.
The Paul Revere Life Insurance Company’s long-term disability insurance is similar to the short-term disability plan, except the duration is longer and the percentage of your income that is covered is bigger. Unfortunately, this also means that your elimination period is longer. However, if you happen to have the short-term disability policy in addition to the long-term disability policy, there’s a good chance that you can go through the elimination period for the long-term disability policy while you collect benefits from the short-term disability plan. Just make sure that you read your policy carefully to ensure that your illness or injury is covered under the policy.
Since the Paul Revere Life Insurance Company no longer exists as its own entity, it’s not that simple to file a claim today. While the ability to file a claim still exists, you may have to jump through a few hoops in order to submit your claim. For this reason, it may be in your best interest to contact an experienced disability lawyer to help you file your claim. Our experienced lawyers at Osterhout Berger Disability Law would be happy to help you through this process.
If you’re ready to submit a claim, you’ll need to contact a processing center representative at 1-800-325-4368 between the hours of 8:00 AM to 8:00 PM EST Monday-Friday. The representative will then be able to provide further directions on how to fill out the necessary forms. Typically, these forms will require you to fill out your statement of the disability, your employer’s statement of the disability, your physician’s statement of the disability, and will require you to fill out an authorization form to retrieve a copy of your medical records. It’s extremely important that you, your employer, and your physician fill out each form completely and accurately. Incomplete forms are guaranteed to result in a denial of benefits. Since the Paul Revere Life Insurance Company technically doesn’t exist, we strongly advise that you contact one of our experienced disability lawyers to help you with this process. We can help navigate the claim process to decrease the chance of your claim being delayed or denied.
If you believe that your disability claim is being delayed by the insurance company, you’ll want to call the processing center again to speak with a representative. They should be able to tell you the status of your claim. If you don’t get an answer, it really may be time to contact an experienced disability lawyer to help you with your claim. Our experienced disability lawyers will provide you with a free consultation to discuss your claim, so please don’t hesitate to contact us if you’re currently experiencing a delay in your disability claim.
If Unum denies your disability claim from your Paul Revere Life Insurance policy, you will be notified by mail. Your letter will tell you why the company is denying your claim as well as how you can appeal its decision. You have to follow the company’s internal appeals process before you will be able to sue them in court. You will have to file your appeal before the deadline for doing so expires. If you don’t make the deadline, you will not be able to later try to recover your benefits.
Once you receive your notice, contact Unum and ask that the company sends you your claim file. It will have all of the information that the company used to deny your claim. If you find yourself at this point, you’ll definitely want to schedule an appointment with one of our experienced disability lawyers. When you come to your appointment at Osterhout Berger Disability Law, be sure to bring your file and your denial letter with you. Your knowledgeable lawyer will review the information and make recommendations to you about how to handle your appeal.
Some people who are disabled start thinking that there isn’t a reason to continue seeing their doctors. You should make certain that you keep going to your doctor and following all of the recommendations that you receive. This helps you to build a strong record that demonstrates your condition continues to require care. Your lawyer may also want you to submit to additional tests and exams in order to add more favorable evidence to your claim file. When you add evidence to your file, you will be more likely to win your appeal while it is still held within the company. Even if your appeal is denied within the company’s internal appeals process, building a strong record can help you if you ultimately are forced to file a lawsuit. To learn more about your rights, schedule your consultation with Osterhout Berger Disability Law today.