{"id":890,"date":"2020-02-20T22:41:11","date_gmt":"2020-02-21T03:41:11","guid":{"rendered":"https:\/\/nolfinal.wpengine.com\/?page_id=890"},"modified":"2024-04-02T12:38:10","modified_gmt":"2024-04-02T17:38:10","slug":"assurant","status":"publish","type":"page","link":"https:\/\/www.nickortizlaw.com\/insurance-companies\/assurant\/","title":{"rendered":"Assurant Long-Term Disability Attorney"},"content":{"rendered":"\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li ><a href=\"#assurant-long-term-disability-plan-options\">Assurant Long-Term Disability Plan Options<\/a><\/li><li ><a href=\"#appeal-an-assurant-long-term-disability-denial\">Appeal an Assurant Long-Term Disability\u00a0Denial<\/a><\/li><li ><a href=\"#get-a-free-case-review-with-an-assurant-long-term-disability-attorney\">Get a Free Case Review with an Assurant Long-Term Disability Attorney<\/a><\/li><\/ul><\/nav><\/div>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright\"><img loading=\"lazy\" decoding=\"async\" width=\"225\" height=\"225\" src=\"https:\/\/www.nickortizlaw.com\/wp-content\/uploads\/2020\/02\/assurant.png\" alt=\"\" class=\"wp-image-1167\" srcset=\"https:\/\/www.nickortizlaw.com\/wp-content\/uploads\/2020\/02\/assurant.png 225w, https:\/\/www.nickortizlaw.com\/wp-content\/uploads\/2020\/02\/assurant-150x150.png 150w, https:\/\/www.nickortizlaw.com\/wp-content\/uploads\/2020\/02\/assurant-80x80.png 80w\" sizes=\"(max-width: 225px) 100vw, 225px\" \/><\/figure><\/div>\n\n\n<p>Assurant Employee Benefits insurance company, also known as <a href=\"https:\/\/www.nickortizlaw.com\/insurance-companies\/union-security\/\" data-type=\"page\" data-id=\"1812\">Union Security Insurance Company<\/a>, offers group <a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/\">long-term disability<\/a> insurance that provides employees income protection if they are unable to work due to an <a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/\" data-type=\"page\" data-id=\"2224\">illness or injury<\/a>. <\/p>\n\n\n\n<p>In most of Assurant\u2019s long term disability\u00a0plans, the qualifying period begins the day the insured cannot perform at least one <a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/ltd-glossary-key-terms-in-policy\/material-duty\/\">material duty<\/a> of their occupation. <\/p>\n\n\n\n<p>Unfortunately, Assurant is often more interested in returning people to work than paying them disability benefits. This quote is taken from Assurant\u2019s website:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Our integrated WillReturn\u00ae program is a unique blending of demographic and psychographic information processing designed to get employees back to work more quickly. WillReturn\u00ae combines information from two studies commissioned exclusively for Assurant Employee Benefits, the Menninger return-to-work study and the Gallup will-to-work study, to help case mangers identify the rehabilitation services and training interventions most appropriate for each individual.<\/p>\n<\/blockquote>\n\n\n\n<p>Assurant\u2019s goal is clearly to get employees back to work quickly. Assurant uses its&nbsp;custom \u201creturn to work computer programs\u201d to create artificial&nbsp;recovery periods for disabled policyholders. Assurant\u2019s claims handlers&nbsp;are trained to rely on computer data to determine how long a claimant \u201cshould\u201d be out on disability based on the claimant\u2019s medical condition. <\/p>\n\n\n\n<p>Assurant\u2019s analysts are further trained to look for specific medical documentation concerning specific medical conditions. The analysts are trained to deny claims if the documentation is unavailable in the claimant\u2019s medical record. This is no small operation. By some estimates, Assurant Employee Benefits has more than 1,000 employees, including medical consultants, <a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/ltd-glossary-key-terms-in-policy\/vocational-expert\/\" data-type=\"page\" data-id=\"6252\">vocational consultants<\/a>, and <a href=\"https:\/\/www.nickortizlaw.com\/types-of-surveillance\/\" data-type=\"post\" data-id=\"3230\">private investigators<\/a>. Again, Assurant\u2019s website gives clues that it is looking for more reasons to deny claims than to approve claims:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Assurant Employee Benefits integrates medical and disability claims analysis to target cases that are under medical case management and identifies cases appropriate for early intervention with disability management practices. Our in-house special investigations unit assists in examining potentially fraudulent claims. Having this unit in house assures that investigators understand the LTD contract, protect the confidentiality of the claimant and their relationship with the policyholder, and assures that surveillances are complete.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"assurant-long-term-disability-plan-options\">Assurant Long-Term Disability Plan Options<\/h2>\n\n\n\n<p>Assurant does give employers options to choose from to custom-build their LTD plans. <\/p>\n\n\n\n<ul>\n<li>One key feature is selecting the most appropriate definition of disability to meet the needs of different employee groups. Assurant&nbsp;offers three definitions of disability, including a distinctive \u201cdual\u201d definition that triggers benefit payment based on a loss of duties or earnings. A loss of both is not required.<\/li>\n\n\n\n<li>Assurant\u2019s Critical Illness benefit provides a lump-sum payment, in addition to disability income protection, to claimants who suffer specific critical illnesses such as <a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/cancer-and-long-term-disability\/\" data-type=\"page\" data-id=\"9356\">cancer<\/a>, <a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/heart-attack\/\" data-type=\"page\" data-id=\"1641\">heart attack<\/a>, <a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/stroke\/\" data-type=\"page\" data-id=\"1550\">stroke<\/a>, <a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/kidney-failure\/\">kidney failure<\/a>, or trauma resulting in <a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/medical-conditions\/paralysis\/\">paraplegia or quadriplegia<\/a>.<\/li>\n\n\n\n<li>Assurant\u2019s Activities of Daily Living Benefit (ADL) pays an additional benefit that will increase the policy\u2019s overall benefit rate to either 80% or 100% of pre-disability pay to claimants who suffer from a severe disability. This benefit was designed to help those severely disabled claimants pay the additional expenses they often incur.<\/li>\n\n\n\n<li>If an Assurant disabled insured dies while receiving long term disability benefits, the Survivor Benefit provides income to the insured\u2019s survivors while settling the estate.<\/li>\n\n\n\n<li>Assurant\u2019s Employee Assistance Program (EAP) gives employees access to confidential short term counseling and referral services designed to help them deal with family, legal or financial concerns.<\/li>\n\n\n\n<li>Assurant\u2019s Business Income Benefit provides an additional benefit to the policyholder if one of the organization\u2019s primary income-generating employees becomes disabled.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"appeal-an-assurant-long-term-disability-denial\">Appeal an Assurant Long-Term Disability&nbsp;Denial<\/h2>\n\n\n\n<p>If you have a <a href=\"https:\/\/www.nickortizlaw.com\/ltd-faq\/what-is-the-difference-between-individual-and-group-disability-policies\/\" data-type=\"page\" data-id=\"3577\">group plan<\/a> Assurant Employee Benefits&nbsp;disability policy, your policy is likely governed by <a href=\"https:\/\/www.nickortizlaw.com\/ltd-faq\/what-is-erisa-and-what-does-it-have-to-do-with-my-ltd-claim\/\" data-type=\"page\" data-id=\"3578\">ERISA<\/a>. ERISA does have strict appeal procedures and deadlines. ERISA requires an internal or administrative appeal if your benefits are terminated or denied. The <a href=\"https:\/\/www.nickortizlaw.com\/missed-appeal-deadline\/\" data-type=\"post\" data-id=\"3259\">time limit to file an appeal<\/a> is usually only 180 days. Under some policies, you may have a second, <a href=\"https:\/\/www.nickortizlaw.com\/when-you-have-one-mandatory-and-one-optional-appeal-after-a-denial-or-termination-of-benefits\/\" data-type=\"post\" data-id=\"3567\">voluntary appeal<\/a>.&nbsp;You should consult with an experienced disability attorney to determine your legal rights.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"get-a-free-case-review-with-an-assurant-long-term-disability-attorney\">Get a Free Case Review with an Assurant Long-Term Disability Attorney<\/h2>\n\n\n\n<p>Disability attorney <a href=\"https:\/\/www.nickortizlaw.com\/about-us\/our-team\/nick-ortiz\/\" data-type=\"page\" data-id=\"3656\">Nick A. Ortiz<\/a> offers the following legal services for disability claimants that have a long term disability insurance policy purchased from Assurant:<\/p>\n\n\n\n<ul>\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/appeals\/\" data-type=\"page\" data-id=\"77\">ERISA appeal<\/a> of an Assurant&nbsp;denial of group LTD insurance benefits;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/appeals\/\" data-type=\"page\" data-id=\"77\">ERISA appeal<\/a> of an Assurant&nbsp;wrongful termination of group LTD insurance benefits;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/lawsuits\/\" data-type=\"page\" data-id=\"842\">ERISA Lawsuit<\/a> against Assurant&nbsp;after final denial of group long term disability benefits; and<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nickortizlaw.com\/practice-areas\/long-term-disability-insurance-erisa-lawyer\/lump-sum-buyouts-settlement-disability-claim\/\">Lump-sum buyout or settlement<\/a> of an Assurant long term disability insurance policy.<\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/www.nickortizlaw.com\/contact\/\" data-type=\"page\" data-id=\"6\">Contact us today<\/a> to speak with an experienced Assurant disability attorney. Call <a href=\"https:\/\/www.nickortizlaw.com\/about-us\/\" data-type=\"page\" data-id=\"1095\">Ortiz Law Firm<\/a> at <strong><a href=\"tel:18883218131\">(888) 321-8131<\/a><\/strong> for a free case review.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Assurant Employee Benefits insurance company, also known as Union Security Insurance Company, offers group long-term disability insurance that provides employees income protection if they are unable to work due to an illness or injury. In most of Assurant\u2019s long term disability\u00a0plans, the qualifying period begins the day the insured cannot perform at least one material &hellip;<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":1460,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"_links":{"self":[{"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/pages\/890"}],"collection":[{"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/comments?post=890"}],"version-history":[{"count":0,"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/pages\/890\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/pages\/1460"}],"wp:attachment":[{"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/media?parent=890"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}