If your Boston Mutual Life Insurance disability claim was denied or terminated, you’re not alone—and you don’t have to face the insurance company on your own. Ortiz Law Firm helps policyholders nationwide stand up to Boston Mutual and fight for the long-term disability (LTD) benefits they deserve.
Boston Mutual Life Insurance Company has provided disability coverage since 1891, with assets of $1.18 billion as of 2013. Their policies—often offered through employers—cover a variety of needs, including:
Boston Mutual Disability Coverage At a Glance
Short-Term Disability (STD)
- Benefit Amounts: 50%–70% of weekly earnings (up to $2,500)
- Duration: Up to 26 weeks
- Definition: Unable to perform some or all duties of your regular occupation, with a loss of 20% or more in earnings
- Waiting Period: 0–30 days
- Return to Work Incentive: May receive up to 100% of maximum weekly benefit if partially disabled and earning 20%–80% of predisability income
Long-Term Disability (LTD)
- Benefit Amounts: 40%–70% of monthly earnings (up to $15,000)
- Duration: 2–5 years, or to Social Security Normal Retirement Age
- Definition: Unable to perform regular occupation, with a loss of at least 20% of earnings; various “own occupation” options
- Waiting Period: 30–360 days
- Return to Work Incentive: Up to 100% of maximum benefit for partial disability (terms apply)
What Happens If Boston Mutual Denies Your Disability Claim?
A denial doesn’t mean your case is over. Many valid claims are initially denied; strict deadlines mean you need to act fast:
- Group Policies (ERISA): You typically have only 180 days to appeal. Some plans offer a second, optional appeal—missing the window can jeopardize your claim.
- Individual or Government/Church Policies: Your appeal rights and deadlines may differ. An experienced disability attorney can advise you on your next steps.
Why Choose Ortiz Law Firm for Your Boston Mutual LTD Appeal?
Attorney Nick A. Ortiz has helped countless individuals—just like you—challenge denials and terminations by Boston Mutual. Here’s how we can help:
- File and manage your ERISA appeal or lawsuit if your group LTD benefits are denied
- Challenge wrongful termination of benefits for both individual and group policies
- Represent you in court if Boston Mutual issues a final denial
Free Case Evaluation: Unsure if you qualify or how to proceed? Get a free review of your denial letter or call us at (888) 321-8131. There’s no fee for your initial consultation, and we’ll help you understand your rights and options.
Don’t let a denial stop you from getting the benefits you’ve earned.
Contact Ortiz Law Firm or call (888) 321-8131 today for your free case evaluation.
Ready want more insight? Get your free LTD book here.
