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Aetna Denied Long Term Disability Lawsuit
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By Heidi Turner
Long-term disability insurance companies such as Aetna, have a duty to pay out their policies to policyholders who suffer injury or illness and can no longer carry out their job duties. Some long-term disability companies such as Aetna have faced insurance lawsuits alleging they failed to pay their policies as set out in their contracts.
Long-term disability insurance is meant to provide peace of mind to policyholders that, should they somehow become sick or injured and unable to work, they will still receive a portion of their pre-disability earnings to help them make ends meet. Long-term disability plans typically begin providing benefits after around six months of illness or injury, and provide the insured with between 60 and 80 percent of their pre-disability earnings.
Aetna Long-Term Disability Policies
Insurance companies are required to pay out all legitimate claims in good faith. This means the claim must be adequately investigated, and paid in a timely manner. If companies unreasonably deny or delay payment of claims to protect profits or meet quotas, they may be acting in bad faith. If companies fail to properly investigate a claim, not provide benefits as laid out in the policy contract, or not adequately inform policyholders of the terms of their policy (including changing the terms without adequate notification), policyholders may be able to file a lawsuit against the insurance company to have the decision reversed.
Aetna Long-Term Disability Denials
Insurance companies may also use misleading language in their claims forms in an attempt to get policyholders to state they are less injured than they are, or not include legitimate health conditions on their list of covered disabilities.
A lawsuit was filed against Aetna Life Insurance Company by Joseph McDonough (case number 14-1293, US Court of Appeals for the First Circuit). In his lawsuit, McDonough alleged his long-term disability insurance claim was unfairly denied by the insurer, based on a short sentence in a doctor's report that was ultimately taken out of context. The First Circuit criticized Aetna for not comparing the plaintiff's injuries with the demands of his job. Even though he was physically capable of sitting upright for eight hours, for example, did not mean McDonough was capable of the complex decision-making required in his job. In its ruling the First Circuit remanded the case to the District Court for further evaluation.
Aetna LTD Lawsuit
Policyholders who have had their long-term disability insurance claim unfairly denied or delayed may be eligible to file a lawsuit against their insurance company, or in the case of an ERISA policy, may be able to file an appeal of the insurance company's decision.
Aetna Long-Term Disability Lawsuit
Aetna Denied Long Term Disability Legal HelpIf you or a loved one has suffered similar damages or injuries, please click the link below and your complaint will be sent to an Insurance attorney who may evaluate your claim at no cost or obligation.
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AETNA DENIED LTD LEGAL ARTICLES AND INTERVIEWS
Aetna Long Term Disability Lawsuit Demonstrative of Dissatisfaction with Insurers
Bangor, ME: Given a widespread dissatisfaction that many consumers have with delays in claims processing on the part of their insurance companies – and dissatisfaction with the insurance industry overall – it comes as little surprise that an insurer such as Aetna is tagged with a rating of a hair over one star out of five, according to the Consumer Affairs website. That rating is based, when the site was checked in early September, on 95 ratings from 125 reviews. Meanwhile, an Aetna long term disability lawsuit launched several years ago is demonstrative of the kind of angst a policy holder goes through when it comes time to make a legitimate claim from an insurer [READ MORE]
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I have been denied my pension from Western Conference of Teamsters Pension Trust after providing all proper information including my award letter for 100% disability ! there is no valid reason for denial ! there is not one possible reason for a denial other than I am representing myself ! I look forward to providing you with document needed to correct the denial!
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