HM Life Insurance Company
Highmark Life & Casualty Group, Inc. was formed in 1990 and changed its name to HM Insurance Group, Inc. in April 2006. The company is headquartered in Pittsburgh, Pennsylvania. HM Insurance Group now consists of HM Life Insurance Company, HM Life Insurance Company of New York, HM Benefits Administrators and Highmark Casualty Insurance Company.
HM Life Insurance Company’s disability income products provide disability income benefits for a covered disability resulting from an accident or illness. HM Life offers plans that provide benefits for total and partial disability:
- Total Disability: For employees who are unable to work in their own occupation because of an accident or illness, HM’s disability income plan pays benefits at one of three income replacement levels – approximately 50%, 60% and 70%.
- Partial Disability: Employees who return to work while disabled will receive the weekly benefit for total disability, reduced by the income they earn while working, provided they are unable to perform at least one of their own job duties and are earn less than 50% of their pre-disability weekly earnings. As an incentive to return to work, the weekly benefit will not be reduced unless the sum of the worker’s earnings while working and the total disability benefit payable exceeds 80% of the worker’s pre-disability weekly earnings.
Appealing a HM Life Long-Term Disability Denial
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 consult with an experienced disability attorney to determine your legal rights.
If you have a HM Life disability policy through a group plan, your policy is probably governed by ERISA. ERISA has strict appeal procedures and deadlines. ERISA requires an internal or administrative appeal if your benefits are terminated or denied. The time you have to file an appeal is very limited, usually only 180 days. Some policies allow you to file a second, optional appeal.
HM Life Long-Term Disability Attorney
Disability attorney Nick A. Ortiz offers the following legal services to disability claimants who have a long-term disability insurance policy or individual disability income policy from HM Life:
- Appeals of HM Life Insurance’s denial of individual or government long-term disability insurance benefits;
- ERISA appeal of an HM Life Insurance denial of group LTD insurance benefits;
- Appeal of an HM Life Insurance wrongful termination of individual or government long-term disability insurance benefits;
- ERISA appeal of an HM Life Insurance wrongful termination of group LTD insurance benefits;
- Lawsuit against HM Life Insurance after final denial of individual or government long-term disability insurance benefits; and
- ERISA lawsuit against HM Life Insurance after final denial of group long-term disability benefits.
Call HM Life Insurance disability attorney Nick Ortiz at (888) 321-8131 for a free case evaluation.
