Provident Life & Accident Insurance Company
Let Our Experienced Disability Lawyers Help With Your Disability Claim
For years, many professionals opened policies with the Provident Life & Accident Insurance Company. Although the company stopped issuing policies in the early 2000s, policies issued in the 1990s and early 2000s are still valid. These policies are typically occupation-specific and allow high monthly benefits on good terms. Unfortunately, those policies are now administered and paid by UNUM. As an insurance company, UNUM is notorious for denying valid disability claims and terminating disability benefits
If you are struggling to get your Provident disability claim approved, Dabdoub Law Firm can help. We have experience with all major disability insurance companies, including Provident and UNUM.
Call us at (800) 969-0488 to get started.
Proving Your Claim to Provident
When filing a disability insurance claim, having a doctor’s note is not enough. Per Provident policy language, you must be unable to perform the duties of your regular occupation to qualify for benefits. After 24 months, you must be unable to perform the duties of every occupation. UNUM has a reputation for terminating benefits after the 24-month mark. As such, you need to be ready for review from the moment you submit your initial claim.
Our disability insurance lawyerscan help.
When Insurance Companies and Medical Professionals Disagree
Even if you have the most convincing evidence of your disability, Provident/UNUM could decide to deny your claim. Insurance companies occasionally disagree with doctors and recruit their own doctors to evaluate your claim.
If this happens, your insurance company may deny your claim or terminate your disability immediately, or they may explore your claim further. You can appeal a denied claim or terminated benefits, but you should know that your insurance company will dig deeper into your claim.
Insurance companies like Provident and UNUM use two (2) primary tactics to try to disprove your claim. They may ask for an Independent Medical Examination (IME) and/or a Functional Capacity Evaluation (FCE), and when you agree to these appointments, they may use the opportunity to put you under video surveillance.
Whenever your insurer requests an IME or FCE, you should contact an attorney to understand your rights. Our team at Dabdoub Law Firm can help you prepare for these appointments and gain additional opinions, if necessary. In some cases, insurers will highlight only the parts of IMEs and FCEs that are favorable to them, but we can review all evidence and explain the truth of the matter.
How We Help
Typically, we gather evidence, send a letter, and wait for insurance companies to cooperate. If they refuse, we are prepared and not afraid to take them to court in a disability lawsuit. Disability insurance is governed by federal ERISA law, and it is illegal for insurance companies to act against your best interests. If they do so, we help hold them accountable.
Lawyers Specializing in Disability Insurance Claims
Because disability insurance law is complicated, it is important to get legal help from a lawyer who focuses on disability law.
As a law firm built to focus on disability insurance, Dabdoub Law Firm specializes in disability insurance. Our attorneys spend every day working to get our clients long-term disability benefits approved.
Because federal law applies to most disability insurance claims, we do not have to be located in your state to help.
If your claim for long term disability benefits was denied or is being delayed by an insurance company, call us to speak with a disability insurance attorney.
We represent clients across the U.S. who are:
- Submitting a disability insurance claim,
- Appealing a long-term disability denial,
- Negotiating a lump-sum settlement, or
- Filing a lawsuit against your disability insurance company.
No matter what you are dealing with or where you are located, we can help you, too. Call us at (800) 969-0488 or contact us online today for a free consultation.