Like many insurance companies, Assurity Life does not always approve disability claims when it should. It’s cheaper to refuse to pay benefits than it is to pay you what you deserve, so it is not uncommon for claimants to receive Assurity Life disability denials rather than a monthly benefit. If your disability claim has been denied we can help you appeal the denial of disability benefits. In this article, we’ll cover the types of individual and group long-term disability insurance offered by Assurity Life and how we can help if your claim is denied.
Assurity Life Insurance Company Long Term Disability Insurance
Assurity Life Insurance Company is the result of the merger of three longtime Lincoln, Nebraska-based insurers—Assurity Life, Security Financial Life, and Lincoln Direct Life (not to be confused with Lincoln Financial)—in 2007. Each of the original insurance companies began serving customers in Eastern Nebraska communities in the late 1800s before establishing their permanent headquarters in Lincoln. Assurity Life today is a diversified financial services organization, licensed in 49 states and the District of Columbia.
Assurity Life Insurance Company offers both individual and group long-term disability plans. The Individual Disability Income Insurance Solutions include the following products or insurance plans:
- Simplified Disability Income Insurance
- Individual Disability Income Insurance
- Graded Benefit Disability Income Insurance
- Business Overhead Expense Disability Income Insurance
Assurity Life offers the following “Worksite Solutions” products available through employers:
- Disability Income+ Insurance
- Disability Income PRO Insurance
Unfortunately, Assurity Life does not always approve long-term disability benefits when it should. Like many insurance companies, they have been known to deny legitimate claims. Assurity Life denies some disability insurance claims from the initial application. In other instances, Assurity Life may initially approve a disability insurance claim but will cut off disability benefits at a later time.
Appeal Assurity Disability Denials
If you have received a disability denial letter you could appeal the decision. It is important that you read the denial letter carefully, as it will explain the reason for the denial and the steps you need to take to initiate the appeal process.
You should also request a complete copy of your disability claim file so that you can review the information that was available to the insurance company when the decision to deny your claim was reached.
If you have an individual policy or are a government employee and your long-term disability claim has been denied or cut-off, you may not have to file an administrative appeal with the insurance company to enforce your rights. You should request a free consultation with an experienced disability lawyer at Ortiz Law Firm to determine your legal rights.
If you have a group plan Assurity disability policy, your disability claim is likely governed by ERISA. ERISA does have strict appeal procedures and deadlines. ERISA requires an internal or administrative appeal if your benefits are terminated or denied. The time limit to file an appeal is very limited, usually only 180 days. Under some policies, you may have the option to file a second, voluntary appeal.
Work With an Assurity Life Long Term Disability Insurance Attorney
We are a national disability law firm that represents claimants throughout the United States. We represent individuals whose disability claims have been wrongfully denied or terminated. Nick A. Ortiz and his experienced legal team at Ortiz Law Firm provide the following legal services for disability claimants that have a long term disability insurance policy or individual disability insurance policy purchased from Assurity Life Insurance Company:
- The appeal of an Assurity denial of individual or government long term disability insurance benefits;
- ERISA appeal of an Assurity Life Insurance denial of group LTD benefits;
- The appeal of an Assurity wrongful termination of individual or government long term disability insurance benefits;
- ERISA appeal of an Assurity Life Insurance wrongful termination of group LTD insurance benefits;
- A lawsuit against Assurity Life Insurance after final denial of individual or government long term disability insurance benefits;
- ERISA lawsuit against Assurity after final denial of group long term disability benefits; and
- Lump-sum buyout or settlement of an Assurity Life Insurance long-term disability insurance claim.
Request a Free Consultation with a Disability Lawyer
Get help from an experienced Assurity disability attorney at the Ortiz Law Firm. You can call us at (866) 853-7210 for a free consultation, or you can contact us online. Our disability insurance lawyers would welcome the opportunity to review your disability insurance claim and discuss how disability law will apply to your claim.