“AXA” is the brand name of AXA Equitable Financial Services, LLC and its family of companies, including AXA Equitable Life Insurance Company, MONY Life Insurance Company of America, AXA Advisors, LLC., and AXA Distributors, LLC. AXA’s primary life insurance company, AXA Equitable Life Insurance Company, is one of the largest life and disability insurance companies in the United States.
When illness or injury prevents you from working, the loss of income can be compounded by medical expenses. Disability insurance is critical to minimizing the impact of this loss. Being prepared means making sure you have adequate coverage. Disability insurance can help provide a much-needed source of income to help you manage your expenses while you work toward recovery.
According to the AXA website, “AXA Equitable Life Insurance Company does not issue disability income insurance policies.” However, there are published court cases that seem to indicate that AXA has issued disability policies in the past.
Appealing a Long-Term Disability Denial by AXA Equitable Life
If you have an individual disability insurance policy, or if you are a government or church employee, you may not have to go through an administrative appeal with the insurance company before filing a lawsuit against the insurer. It’s important to consult with an experienced disability attorney to fully understand your legal rights.
If you are covered by a group disability policy, your policy most likely falls under the jurisdiction of ERISA. ERISA has strict appeal protocols and stringent deadlines. ERISA requires an internal administrative appeal if benefits are denied or terminated. There’s usually a narrow window for filing an appeal, often as little as180 days. Some policies may also allow for an optional second appeal.
AXA Equitable Life Long-Term Disability Attorney
Attorney Nick A. Ortiz specializes in assisting claimants with long-term disability insurance claims or individual disability income claims that have been denied. His legal services include:
- Assisting with appeals of AXA denials for individual or government long-term disability insurance benefits.
- Handling ERISA appeals against AXA Equitable Life Insurance for denied group LTD insurance benefits.
- Assisting with appeals against AXA for wrongful termination of individual or government long-term disability insurance benefits.
- Navigating ERISA appeals against AXA Equitable Life Insurance for wrongful termination of group LTD insurance benefits.
- Filing lawsuits against AXA Equitable Life Insurance after the final denial of individual or government long-term disability insurance benefits.
- Filing ERISA lawsuits against AXA after the final denial of group long-term disability benefits.
For a free case evaluation with AXA disability attorney Nick Ortiz, contact the Ortiz Law Firm online or call us at (888) 321-8131.