• Menu
  • Skip to right header navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer

Before Header

Has your disability claim been wrongfully denied or terminated? Call us today for help!  (888) 321-8131

  • Facebook
  • LinkedIn
  • YouTube

OLF Ortiz Law Firm National Disability Attorneys

Ortiz Law Firm is dedicated to helping people recover the disability benefits they deserve. We handle group Long Term Disability (LTD) claims, individual disability insurance policy claims, ERISA disability claims, and Social Security Disability claims.

  • ABOUT US
    • Nick Ortiz
    • Our Team
    • Case Results
    • Testimonials
  • PRACTICE AREAS
    • Long Term Disability
      • Long Term Disability Appeals
      • Long Term Disability Lawsuits
      • Lump Sum Buyouts/Settlements
    • ERISA Disability Claims
    • Individual Disability Insurance
    • Social Security Disability Claims
      • Initial Applications for Social Security Disability
      • Request for Reconsideration
      • Hearing Before an Administrative Law Judge
    • Long Term Care Insurance Claims
    • Personal Injury Claims
  • DISABLING CONDITIONS
    • Long Term Disability
    • Social Security Disability
  • INSURANCE CARRIERS
    • View All
    • Insurance Company Tricks And Tactics
  • RESOURCES
    • Blog
    • eBooks, Guides, and More
    • Lump Sum Disability Buyout Calculator
    • Long Term Disability FAQs
    • Social Security Disability FAQs
    • Long Term Disability Glossary
    • Individual Disability Insurance Policy Analysis
    • Long Term Disability Federal Court Case Summaries
    • Abbreviations in Social Security Disability Claims
  • Search
  • CONTACT

Mobile Menu

Call us today for help!

(888) 321-8131
  • ABOUT US
    • Nick Ortiz
    • Our Team
    • Case Results
    • Testimonials
  • PRACTICE AREAS
    • Long Term Disability
      • Long Term Disability Appeals
      • Long Term Disability Lawsuits
      • Lump Sum Buyouts/Settlements
    • ERISA Disability Claims
    • Individual Disability Insurance
    • Social Security Disability Claims
      • Initial Applications for Social Security Disability
      • Request for Reconsideration
      • Hearing Before an Administrative Law Judge
    • Long Term Care Insurance Claims
    • Personal Injury Claims
  • DISABLING CONDITIONS
    • Long Term Disability
    • Social Security Disability
  • INSURANCE CARRIERS
    • View All
    • Insurance Company Tricks And Tactics
  • RESOURCES
    • Blog
    • eBooks, Guides, and More
    • Lump Sum Disability Buyout Calculator
    • Long Term Disability FAQs
    • Social Security Disability FAQs
    • Long Term Disability Glossary
    • Individual Disability Insurance Policy Analysis
    • Long Term Disability Federal Court Case Summaries
    • Abbreviations in Social Security Disability Claims
  • Search
  • CONTACT
You are here: Home / Disability Insurance Companies / Boston Mutual Life Insurance Company

Boston Mutual Life Insurance Company

Boston Mutual Life Insurance Company was founded in 1891. In 2013, Boston Mutual’s assets increased by over $50 million, ending the year at $1.18 billion.

Boston Mutual offers a comprehensive portfolio of employer-funded and employee-paid Short Term Disability programs, also available with an integrated Long Term program. Its integrated policy provides both Short and Long Term Disability coverage through a single policy, which is supposed to ease administration for policyholders. The disability programs are designed to protect employees against disabilities resulting from an accident, physical disease or injury, pregnancy, mental disorders, and more.

Standard Short Term Disability Insurance Provisions

Boston Mutual offers numerous options in its STD policies. Some of them include the following:

  • Benefit Schedules / Amount of Payments – 50%, 60%, 662/3% and 70% of weekly earnings to maximums up to $2500.
  • Benefit Durations – up to 26 weeks.
  • Definition of Disability – the insured is disabled under the STD policy if they are unable to perform some or all of the duties of his/her regular occupation with a minimum of 20% loss in earnings.
  • “Elimination” / Waiting Periods – benefit waiting periods from 0 to 30 days.
  • Unlimited Return to Work Benefit Incentive – partially disabled insureds working and earning between 20% and 80% of earnings are eligible for up to 100% of the maximum weekly benefit, subject to standard claim adjudication.

Standard Long Term Disability Insurance Provisions

Long Term Disability options include the following:

  • Benefit Schedules – 40%, 50%, 60%, 662/3% and 70% of monthly earnings to maximums up to $15,000.
  • Benefit Durations – Reducing Benefit Durations; 2 to 5 Years; or to Social Security Normal Retirement Age.
  • Definition of Disability – the insured is disabled if unable to perform some or all of the duties of his/her regular occupation with a minimum of 20% loss in earnings subject to the program option of 1, 2, 3, or 5 Year Own Occupation; Extended Own Occupation; 2 Year Own Occupation/ADL.
  • “Elimination” or Waiting Periods – from 30 to 360 days.
  • “Return to Work Benefit Incentive” – partially disabled insureds working and earning between 20% and 80% of earnings are eligible for up to 100% of the maximum weekly benefit, subject to standard claim adjudication and program options of 12 or 24 Months; Unlimited.

What To Do If Your Claim Is Denied

The steps you need to take after receiving a claim denial will vary depending on the type of policy you have and the terms of that policy.

For those with a group plan, your policy probably falls under ERISA. If your claim is denied, ERISA mandates you to file an appeal with the insurance company. Usually, you only get 180 days to do this. Some policies might also give you a chance for a second, optional appeal.

If you have an individual policy or work as a government or church employee, and your long-term disability claim was rejected or halted, you might not need to appeal directly with the insurance company. Instead, it’s wise to speak with a disability lawyer who can guide you on your legal standing.

How A Boston Mutual Long Term Disability Lawyer Can Help

Nick A. Ortiz is a dedicated disability attorney who provides these legal services for those who have long-term disability policies with Boston Mutual Life Insurance Company:

  • Appealing Boston Mutual’s decision to deny individual or government long-term disability benefits.
  • Filing an ERISA appeal against Boston Mutual Life Insurance Company if they deny group LTD benefits.
  • Challenging Boston Mutual’s decision to wrongly terminate individual or government long-term disability benefits.
  • ERISA appeal if Boston Mutual wrongly terminates group LTD benefits.
  • Suing Boston Mutual after a final administrative denial of individual or government long-term disability benefits.
  • Filing an ERISA lawsuit against Boston Mutual following the final administrative denial of group LTD benefits.
  • Negotiating a lump-sum settlement or buyout of a Boston Mutual long-term disability policy.

For detailed guidance, call the Ortiz Law Firm at (888) 321-8131. We off er a free case evaluation with an expert Boston Mutual LTD disability lawyer.

FacebookTweetPinLinkedInPrintEmail

Primary Sidebar

Top Ten Mistakes That Will Destroy Your Long Term Disability Claim

View All Resources

"I highly recommend Ortiz Law Firm. Very friendly staff. They helped me win my appeal against Liberty Mutual. Thank you all for being the best!!"

Lavanda T.

Insurance Companies

  • Aetna Insurance Disability Claim Denials
  • AIG Insurance Company
  • American Fidelity Assurance Company
  • American United Life Insurance Co.
  • Anthem Blue Cross and Anthem Life Insurance Co.
  • Aon Hewitt Absence Management LLC
  • Assurant
  • Assurity Life Insurance Co.
  • AXA Equitable Life Insurance Co.
  • Berkshire Life Insurance Company Claim Denials
  • Boston Mutual Life Insurance Co.
  • Broadspire Disability Insurance Co.
  • CIGNA/LINA
  • Companion Life Insurance Company
  • Dearborn National
  • Disability Insurance Specialists, LLC
  • Disability Management Services (DMS)
  • GreatWest Life Assurance
  • Guardian Life Insurance Claim Denials
  • Hartford Insurance Disability Claim Denials
  • HM Life Insurance Company
  • ING/Reliastar/Voya Financial
  • Liberty Mutual
  • Lincoln Financial Claim Denials
  • Massachusetts Mutual Financial Group
  • Metropolitan Life (MetLife) Insurance Claim Denials
  • Mutual Of Omaha Disability Claim Denials
  • New York Life Insurance
  • Northwestern Mutual Life Insurance Company
  • Ohio National
  • Principal Financial Group
  • Prudential Disability Insurance Claim Denials
  • Reassure Disability Insurance Claim Denials
  • Sedgwick
  • Sun Life Financial
  • The Standard Insurance Company Claim Denials
  • UnitedHealthcare Disability Insurance
  • Unum Disability Claim Denials
  • Zurich Insurance Company Disability Attorney

Footer

Contact Us

Our experienced disability law firm is ready to fight for you. Contact us today for a free case evaluation.

(888) 321-8131
316 S Baylen St., Ste 590
Pensacola, FL 32502

  • Email
  • Facebook
  • LinkedIn
  • YouTube

Claims We Handle

  • Group Long Term Disability
  • ERISA Disability Claims
  • Individual Disability Insurance
  • Social Security Disability Claims
  • Long Term Care Insurance
  • Florida Personal Injury

Quick Links

  • About Us
  • Free Resources
  • Client Testimonials
  • Case Results
  • Nationwide Representation
  • Refer a Case

Site Footer

© 2023 Ortiz Law Firm

Sitemap | Disclaimer | Privacy Policy

Share this ArticleLike this article? Email it to a friend!

Email sent!