Like many insurance companies, Assurity Life doesn’t always approve disability claims when it should. It’s cheaper to deny benefits than it is to pay you what you deserve, so it’s not uncommon for Assurity Life to deny claims. In this article, we’ll cover the types of long-term disability insurance that Assurity Life offers and how we can help you appeal Assurity Life disability denials.
Assurity Life Insurance Company Long-Term Disability Insurance
Assurity Life Insurance Company is the result of the merger of three longtime Lincoln, Nebraska-based insurance companies—Assurity Life, Security Financial Life, and Lincoln Direct Life (not to be confused with Lincoln Financial)—in 2007. Each of the original insurance companies began serving customers in eastern Nebraska communities in the late 1800s before establishing their permanent headquarters in Lincoln. Today, Assurity Life is a diversified financial services organization, licensed in 49 states and the District of Columbia.
Assurity Life Insurance Company offers both individual and group long-term disability insurance plans. The Individual Disability Income Insurance solutions include the following products or insurance plans:
- Simplified Disability Income Insurance
- Individual Disability Income Insurance
- Graded Benefit Disability Income Insurance
- Business Overhead Expense Disability Income Insurance
Assurity Life offers the following “Worksite Solutions” products available through employers:
- Disability Income+ Insurance
- Disability Income PRO Insurance
Unfortunately, Assurity Life does not always approve long-term disability benefits when they should. Like many insurance companies, they have been known to deny legitimate claims. Assurity Life denies some disability insurance claims from the initial application. In other cases, Assurity Life may initially approve a disability insurance claim, but then cut off disability benefits at a later date.
Appealing Assurity Disability Denials
If you have received a disability denial letter, you can appeal the decision. It is important that you read the denial letter carefully, as it will explain the reason for the denial and the steps you need to take to begin the appeal process.
You should also request a complete copy of your disability claim file so that you can review the information that was available to the insurance company when it made the decision to deny your claim.
If you have an individual disability insurance 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 request a free case evaluation with an experienced disability attorney at the Ortiz Law Firm to determine your legal rights.
If you have a group disability policy with Assurity, your disability claim is likely governed by ERISA. ERISA has strict appeal procedures and deadlines. ERISA requires an internal 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 may allow you to file a second, optional appeal.
Work with an Assurity Life Long-Term Disability Insurance Attorney
We are a national disability law firm representing claimants throughout the United States. We represent individuals whose disability claims have been wrongfully denied or terminated. Nick A. Ortiz and his experienced team at the Ortiz Law Firm provide the following legal services to disability claimants who have a group or individual disability insurance policy purchased from Assurity Life Insurance Company:
- Appeals of an Assurity denial of individual or government long-term disability insurance benefits;
- ERISA appeals of an Assurity Life Insurance denial of group LTD benefits;
- The appeal of an Assurity wrongful termination of individual or government long-term disability insurance benefits;
- ERISA appeal of an Assurity Life Insurance wrongful termination of group LTD insurance benefits;
- A lawsuit against Assurity Life Insurance following a final denial of individual or government long-term disability insurance benefits; and
- ERISA lawsuit against Assurity after a final denial of group long-term disability benefits.
Request a Free Case Evaluation with a Disability Lawyer
Get help from an experienced Assurity disability lawyer at the Ortiz Law Firm. You can call us at (888) 321-8131 for a free case evaluation. Our disability insurance lawyers would welcome the opportunity to review your disability insurance claim and discuss how disability law applies to your claim.
