Funny The Hartford is telling me they take a 70% discount...I was thinking 20% was high but at this point I'd take a 25% hit, but 70% these yanks are off their rocker!
@stephaniemorris67386 жыл бұрын
Wish we had found this video a year ago after my husband head injury at work resulting in constant headaches, migraines and carpel tunnel syndrome. Sedgwick is making this process so hard.
@kathyneloms2593
4 жыл бұрын
My husband was fired fir having severe headache. He had six herniated disc. Sedgwick lied and cancelled his policy right before his surgery and we lost our insurance. He’s had a migraine sense May except for seven days. Has left home only once sense May. Can’t drive, can’t do anything. Did your husband ever get better before he passed. May not be to late for you to file a claim against Sedgwick. They are so crooked and should be shit down.
@melisahaggai33055 жыл бұрын
Great information! Thank you!!
@scottybelcher18155 жыл бұрын
I was a Railroad Engineer by trade for 18 years. Prior to that i was a Marine and worked for a bank, then there was college and graduate school et al. Having p layed football for 2 years in college, and being hit head on twice by drunks, the last one nearly killing me, i began to have issues in my 50's. This all came to a head when my supervisor asked me a question and i answered honestly, i cant remember the signals anymore. I was immediately pulled from service and sent for a medical evaluation and i applied for short term disability. It normally takes 12 months for a case to be reviewed and or approved or denied by the railroad retirement board. I am currently receiving short term benefits from Met life, which end in a few months. I was ruled permenantly disabled and awarded retirement by the Railroad Retirement Board. This after seeing one doctor from their side, one psychologist and my neurologist. I had 2 short term disability plans through the union that i paid noting for and they paid like clock work. I opted to pay for the Long term through met life on payroll deduction. Now They keep asking for more information and more information doctors notes from visits et al.....IM quite sure from the mans tone they are looking for a way to deny my claim, i paid for this and if i have to fight them i will, at least while i can because i was diagnosed with early onset dementia......WHO is gonna hire me at 54 with Dementia.....and the govvernment already classifying me as disabled....Im not very happy with met life right now..it is honestly a challenge to keep up with ally my doc appointments and things at the moment, i dontneed the addded stress
@DisabilityAttorneys
5 жыл бұрын
Scott, I am sorry to hear that you are having such difficulty with Metlife. Unfortunately this is a common issue. If Met Life denies your claim please contact my office and ask for a free consultation with Rachel Alters.
@TheFrenchPug Жыл бұрын
Scenario-you're on SSDI $3000 (after taxes) per month, WC $1060 per month, LTD $1267 (after taxes) per month. SSDI could end anytime if they review you. WC will end. Does the settlement amount take those factors into consideration, or is it all based off "current" income streams only? Meaning, would one want to stop their SSDI until the settled, then start it back up (if that's possible)? Hope thatakes sense.
@donwilliamson52854 жыл бұрын
If workers comp wants to settle on medical what are my cons? What happens to my SSD, will I now get less in my SS if I take a settlement? And what about my medicare, will they now take over my medical bills?
@judithvolpemd62504 жыл бұрын
I am a physician with LTD for life, I am 65, I do have a life-limiting illness and my family history does not bode well. If I ever improve enough to return to work, say by 69, when I have been on disability for 10 years, can the private company [ Penn Mutual] stop payment to me, even though I am of retirement age? I would never consider a buyout, what I have now is not taxable.
@chuck7986 жыл бұрын
If you request a lump sum buyout, how long should you wait for the Insurance company to respond to that request? I am on LTD and have another 4-1/2 years to it's completion. It does have a COLA clause in the contract. I requested the lump sum buyout about 6 weeks ago and have heard nothing other than their actuarial analysis is taking place and could take time. In the meantime, no LTD monthly payments are being made by the insurance company. What is your recommended course of action?
@DisabilityAttorneys
6 жыл бұрын
It is highly unusual that you have not received any payments. Carriers do not typically withhold benefits during negotiations. Buyouts can typically take upwards of 90 days to finalize depending on the nature of the policy. Please feel free to contact our office so we can discuss your situation in greater detail.
@Gfyud8 ай бұрын
I have a no evidence long term disability has anyone dealt with this
@indygo15715 жыл бұрын
first off ,thanks for video and answers. I have been offered a buyout. After the b/o if I get well, or return to work ,can they get any money back?
@DisabilityAttorneys
4 жыл бұрын
In most buyouts you get a release and you can return to work when you are ready without any financial implications. We always negotiate a mutual release for our clients.
@Flashftw5 жыл бұрын
I have a question regarding combined SSD & LTD. What happens in the following scenario? I initially was paid 66.66% of my salary in full by my LTD provider. They assisted in getting me on SSD, & my total monthly payment was divvyed up between LTD & SSD. I have 3 years left (will be 65 years of age) on my LTD policy at which time it will expire. My question is what happens at that time? Do my SSD payments increase by the amount of my LTD monthly benefit? Does SSD pickup the amount that LTD was paying me before my LTD policy expired? Would greatly appreciate any feedback…
@DisabilityAttorneys
5 жыл бұрын
Flash, unfortunately no. Once your LTD benefit ends, SSD will not pick up the amount that LTD was paying. You will have a loss in disability income at that time unfortunately. You may be eligible for other benefits like social security retirement benefits or a pension from your former employer.
@Flashftw
5 жыл бұрын
Thanx for the quick response. So in 3 years time I’m gonna be faced with some serious monetary issues. My LTD policy was written & contracted to be in tact till I turn 65, in 3 years. I have been collecting my LTD benefit since 2000. In January of 2003 SSD was forced upon me by my LTD provider. SSD paid approximately 53.55% & LTD paid the balance of 46.5%. So for 16 years my LTD provider was not paying per my contractual agreement of 2/3rds my salary as it was divvied up between SSD & LTD. Shouldn’t LTD still be on the hook for not paying my full 2/3rds salary for 16 years? Also, my LTD provider offered me a lump sum payment recently. It amounts to approximately 79% of what I would make if I received my monthly benefit for the next 3 years, at which point I will turn 65. In your professional opinion does this seem like a fair offer? Can I negotiate with my insurance company over the amount offered? Thanx so much for your feedback in advance…
@DisabilityAttorneys
5 жыл бұрын
@@Flashftw Unfortunately, the way the policies are written, they allow the insurance companies to force you to apply for SSD benefits and use those benefits as an offset to your LTD claim. Regarding the fairness of the lump sum settlement offer, I would have to speak with you to learn more about your claim to give any insight as to what might be a typical or fair offer for an ERISA LTD claim. -Alex
@manita19653 жыл бұрын
How can I get intouch with you guys?
@DisabilityAttorneys
3 жыл бұрын
Call 888-292-8481 or email: www.diattorney.com/contact/?referrer=yt for a free phone consultation.
Пікірлер: 20
Funny The Hartford is telling me they take a 70% discount...I was thinking 20% was high but at this point I'd take a 25% hit, but 70% these yanks are off their rocker!
Wish we had found this video a year ago after my husband head injury at work resulting in constant headaches, migraines and carpel tunnel syndrome. Sedgwick is making this process so hard.
@kathyneloms2593
4 жыл бұрын
My husband was fired fir having severe headache. He had six herniated disc. Sedgwick lied and cancelled his policy right before his surgery and we lost our insurance. He’s had a migraine sense May except for seven days. Has left home only once sense May. Can’t drive, can’t do anything. Did your husband ever get better before he passed. May not be to late for you to file a claim against Sedgwick. They are so crooked and should be shit down.
Great information! Thank you!!
I was a Railroad Engineer by trade for 18 years. Prior to that i was a Marine and worked for a bank, then there was college and graduate school et al. Having p layed football for 2 years in college, and being hit head on twice by drunks, the last one nearly killing me, i began to have issues in my 50's. This all came to a head when my supervisor asked me a question and i answered honestly, i cant remember the signals anymore. I was immediately pulled from service and sent for a medical evaluation and i applied for short term disability. It normally takes 12 months for a case to be reviewed and or approved or denied by the railroad retirement board. I am currently receiving short term benefits from Met life, which end in a few months. I was ruled permenantly disabled and awarded retirement by the Railroad Retirement Board. This after seeing one doctor from their side, one psychologist and my neurologist. I had 2 short term disability plans through the union that i paid noting for and they paid like clock work. I opted to pay for the Long term through met life on payroll deduction. Now They keep asking for more information and more information doctors notes from visits et al.....IM quite sure from the mans tone they are looking for a way to deny my claim, i paid for this and if i have to fight them i will, at least while i can because i was diagnosed with early onset dementia......WHO is gonna hire me at 54 with Dementia.....and the govvernment already classifying me as disabled....Im not very happy with met life right now..it is honestly a challenge to keep up with ally my doc appointments and things at the moment, i dontneed the addded stress
@DisabilityAttorneys
5 жыл бұрын
Scott, I am sorry to hear that you are having such difficulty with Metlife. Unfortunately this is a common issue. If Met Life denies your claim please contact my office and ask for a free consultation with Rachel Alters.
Scenario-you're on SSDI $3000 (after taxes) per month, WC $1060 per month, LTD $1267 (after taxes) per month. SSDI could end anytime if they review you. WC will end. Does the settlement amount take those factors into consideration, or is it all based off "current" income streams only? Meaning, would one want to stop their SSDI until the settled, then start it back up (if that's possible)? Hope thatakes sense.
If workers comp wants to settle on medical what are my cons? What happens to my SSD, will I now get less in my SS if I take a settlement? And what about my medicare, will they now take over my medical bills?
I am a physician with LTD for life, I am 65, I do have a life-limiting illness and my family history does not bode well. If I ever improve enough to return to work, say by 69, when I have been on disability for 10 years, can the private company [ Penn Mutual] stop payment to me, even though I am of retirement age? I would never consider a buyout, what I have now is not taxable.
If you request a lump sum buyout, how long should you wait for the Insurance company to respond to that request? I am on LTD and have another 4-1/2 years to it's completion. It does have a COLA clause in the contract. I requested the lump sum buyout about 6 weeks ago and have heard nothing other than their actuarial analysis is taking place and could take time. In the meantime, no LTD monthly payments are being made by the insurance company. What is your recommended course of action?
@DisabilityAttorneys
6 жыл бұрын
It is highly unusual that you have not received any payments. Carriers do not typically withhold benefits during negotiations. Buyouts can typically take upwards of 90 days to finalize depending on the nature of the policy. Please feel free to contact our office so we can discuss your situation in greater detail.
I have a no evidence long term disability has anyone dealt with this
first off ,thanks for video and answers. I have been offered a buyout. After the b/o if I get well, or return to work ,can they get any money back?
@DisabilityAttorneys
4 жыл бұрын
In most buyouts you get a release and you can return to work when you are ready without any financial implications. We always negotiate a mutual release for our clients.
I have a question regarding combined SSD & LTD. What happens in the following scenario? I initially was paid 66.66% of my salary in full by my LTD provider. They assisted in getting me on SSD, & my total monthly payment was divvyed up between LTD & SSD. I have 3 years left (will be 65 years of age) on my LTD policy at which time it will expire. My question is what happens at that time? Do my SSD payments increase by the amount of my LTD monthly benefit? Does SSD pickup the amount that LTD was paying me before my LTD policy expired? Would greatly appreciate any feedback…
@DisabilityAttorneys
5 жыл бұрын
Flash, unfortunately no. Once your LTD benefit ends, SSD will not pick up the amount that LTD was paying. You will have a loss in disability income at that time unfortunately. You may be eligible for other benefits like social security retirement benefits or a pension from your former employer.
@Flashftw
5 жыл бұрын
Thanx for the quick response. So in 3 years time I’m gonna be faced with some serious monetary issues. My LTD policy was written & contracted to be in tact till I turn 65, in 3 years. I have been collecting my LTD benefit since 2000. In January of 2003 SSD was forced upon me by my LTD provider. SSD paid approximately 53.55% & LTD paid the balance of 46.5%. So for 16 years my LTD provider was not paying per my contractual agreement of 2/3rds my salary as it was divvied up between SSD & LTD. Shouldn’t LTD still be on the hook for not paying my full 2/3rds salary for 16 years? Also, my LTD provider offered me a lump sum payment recently. It amounts to approximately 79% of what I would make if I received my monthly benefit for the next 3 years, at which point I will turn 65. In your professional opinion does this seem like a fair offer? Can I negotiate with my insurance company over the amount offered? Thanx so much for your feedback in advance…
@DisabilityAttorneys
5 жыл бұрын
@@Flashftw Unfortunately, the way the policies are written, they allow the insurance companies to force you to apply for SSD benefits and use those benefits as an offset to your LTD claim. Regarding the fairness of the lump sum settlement offer, I would have to speak with you to learn more about your claim to give any insight as to what might be a typical or fair offer for an ERISA LTD claim. -Alex
How can I get intouch with you guys?
@DisabilityAttorneys
3 жыл бұрын
Call 888-292-8481 or email: www.diattorney.com/contact/?referrer=yt for a free phone consultation.