Boston Mutual Life Insurance Company

Its integrated policy provides both short- and long-term disability coverage through a single policy, which is designed to simplify administration for policyholders. The disability programs are designed to protect employees against disability resulting from an accident, physical illness or injury, pregnancy, mental illness and more.

Short-Term Disability Benefits

Boston Mutual offers many options in its STD policies. Some of these include:

• Benefit Schedules / Payment Amounts – 50%, 60%, 662/3% and 70% of weekly earnings up to a maximum of $2,500.
• Duration of Benefits – Up to 26 weeks.
• Definition of Disability – The insured is disabled under the STD policy if they are unable to perform some or all of the duties of their regular occupation with a loss of earnings of 20% or more.
• “Elimination” or Waiting Periods – Waiting periods for benefit range from 0 to 30 days.
• Unlimited Return to Work Benefit Incentive – Partially disabled members who work and earn between 20% and 80% of their predisability earnings are eligible for up to 100% of the maximum weekly benefit, subject to standard claim adjudication.

Long-Term Disability Benefits

Long-term disability options include the following:

• Benefit Schedules / Payment Amounts – 40%, 50%, 60%, 662/3% and 70% of monthly earnings up to a maximum of $15,000.
• Duration of Benefits – Reduced benefit duration; 2 to 5 years; or to Social Security Normal Retirement Age.
• Definition of Disability – The insured is disabled if unable to perform some or all of the duties of their regular occupation with a loss of earnings of at least 20%, subject to the program options of 1, 2, 3, or 5 year Own Occupation; Extended Own Occupation; 2 year Own Occupation/ADL.
• “Elimination” or Waiting Periods – From 30 to 360 days.
• “Return to Work Benefit Incentive” – Partially disabled members who work and earn between 20% and 80% of their predisability earnings may be eligible for up to 100% of the maximum weekly benefit, subject to standard claim adjudication and program options of 12 or 24 months; Unlimited.

What To Do If Your Claim Is Denied

The steps you need to take after receiving a claim denial depend on the type of policy you have and the terms and conditions of that policy.

For those with a group plan, your policy is likely governed by ERISA. If your claim is denied, ERISA requires you to file an appeal with the insurance company. You usually only have 180 days to do this. Some policies may also give you the opportunity for a second, optional appeal.

If you have an individual disability insurance policy or work as a government or church employee, and your long-term disability claim has been denied or terminated, you may not need to appeal directly to the insurance company. It’s wise to speak with a disability lawyer who can advise you on your legal options.

How a Boston Mutual Long-Term Disability Lawyer Can Help

Nick A. Ortiz is a dedicated disability lawyer who provides these legal services to those who have long-term disability policies with Boston Mutual Life Insurance Company:

• Appeal Boston Mutual’s decision to deny individual or government long-term disability benefits.
• File an ERISA appeal against Boston Mutual Life Insurance Company when it denies group LTD benefits.
• Appeal Boston Mutual’s decision to improperly terminate individual or government long-term disability benefits.
• File an ERISA appeal if Boston Mutual improperly terminates group LTD benefits.
• Sue Boston Mutual following a final administrative denial of individual or government long-term disability benefits.
• File an ERISA lawsuit against Boston Mutual after a final administrative denial of group LTD benefits.

For detailed advice, call the Ortiz Law Firm at (888) 321-8131. We offer a free case evaluation with an expert Boston Mutual LTD disability attorney.