We at McKennon Law Group PC represent policyholders in their life, disability, medical and other insurance disputes to assist them to get their claims paid so they can thrive financially when events in their lives overwhelm them. So, we know the importance of helping those in need. This summer, we hosted a shoe drive for Soles4Souls’ “Go Green” initiative.

For the last several months, McKennon Law Group PC and its attorneys and staff worked together to turn the shoe drive into a very successful one. Through word of mouth and official publications announcing our firm’s work for Soles4Souls in the Los Angeles Times and others, the McKennon Law Group PC received and donated over 250 pairs of shoes.

The Firm’s efforts did not go unnoticed. On August 24, 2017, McKennon Law Group PC received a letter from the charity’s CEO, Buddy Teaster, thanking the Firm for its substantial commitment to those in need. He commented that Soles4Souls recognized the successful drive required “a lot of effort and commitment” on the Firm’s part and that the Firm’s “work will help improve the lives of many hurting people around the world.”

At McKennon Law Group PC, we believe in giving back to the community, which is why we took such an interest in participating in the Soles4Souls’ initiative. We will always look for innovative ways to give back and are glad to play a role in this charity’s continued success!

At McKennon Law Group PC, we fight for your right to receive benefits from life, general liability, long-term care and disability insurers like The Standard. We understand insurers like The Standard because we know insurers like The Standard. McKennon Law Group PC’s attorneys, including its founder, Robert J. McKennon, represented insurance companies in the past. At our firm, we know how to get life and disability insurance claims paid.

The Standard began in 1906, when Leo Samuel founded the Oregon Life Insurance Company. At the time, many worked as loggers in the timber industry, which was a physically dangerous profession. In part because federal and state disability benefits did not yet exist, many in the timber industry relied on life insurance to protect from future injury. However, most of the insurers were located on the east coast, which drastically increased processing times. Mr. Samuel recognized the need for a life insurance company that would be better situated to serve the timber industry. So, he started the west coast company that would later become The Standard. Over the years, The Standard continued to grow and was one of the first companies to provide ‘waiver of premiums’ for permanently disabled employees. Today, The Standard has over forty offices across the country and over 2,700 employees. Although the name changed, The Standard remained in Oregon, with its current headquarters located in Portland.

At the McKennon Law Group, we frequently appeal and litigate long-term disability and other benefits claims denied by The Standard and have been very successful. We often represent clients against The Standard because they deny many claims, mostly group long-term disability and life and accident claims. We have a proven track record representing clients against The Standard.

How does The Standard Deny Life and Disability Insurance Claims?

The Standard denies claims based on many reasons including, but not limited to, the following:

• The Standard asserts the medical evidence does not support the life or disability claim
• The Standard asserts the claimant did not provide adequate medical support for the life or disability claim
• The Standard asserts the claimant did not provide documentation or proof of loss evidence in a timely manner
• The Standard asserts the medical condition which is the subject of the claim is a pre-existing condition
• The Standard asserts the insurance application contained materially false information, and thus the policy can be rescinded
• The Standard asserts surveillance of the claimant suggests that the claimant is not totally disabled
• The Standard asserts the claimant’s policy has lapsed for failure to pay premiums
• The Standard asserts an exclusion in the life or disability policy precludes coverage for the claim

What Should Disability or Life Insurance Claimants Look for When The Standard Denies a Claim?

• The Standard improperly investigating the claim
• The Standard improperly obtaining opinions from unqualified persons/supposed experts
• The Standard improperly misreading or misinterpreting medical records
• The Standard improperly hiring and using biased “independent” medical reviewers and examiners
• The Standard improperly denying a claim without any medical examination
• The Standard improperly refusing to acknowledge subjective disabling conditions such as mental disorders, autoimmune disorders, fibromyalgia, and chronic fatigue syndrome because there is no objective evidence of the condition
• The Standard improperly asserting a pre-existing condition
• The Standard improperly attempting to rescind the policy
• The Standard improperly denying a claim with the intent to wear the claimant down to a lower settlement
• The Standard improperly over-relying on surveillance evidence to conclude a claimant can work
• The Standard improperly over-relying on social media evidence to conclude a claimant can work
• The Standard improperly failing to have a meaningful dialogue with the claimant
• The Standard improperly failing to distinguish findings by the Social Security Administration to deny a disability claim

If you feel you have a wrongfully denied claim for disability, life, long-term care or other insurance involving The Standard, the McKennon Law Group PC will doggedly pursue your benefits

Choosing an attorney to represent you when you find yourself in the vulnerable position of having your disability, life or long-term care denied is an important decision. You must have an aggressive and experienced disability, long-term care, health and life insurance attorney who will fight hard for you. If your claim for health, life, accidental death or dismemberment, short-term disability or long-term disability insurance has been wrongfully denied or suddenly terminated, fill out a free consultation form or call (949) 387-9595 to schedule a free consultation with the attorneys of the McKennon Law Group PC, several of whom previously represented insurance companies and are exceptionally experienced in handling ERISA and non-ERISA, bad faith insurance claims.

If an insurance company The Hartford suddenly terminated your benefits, you can trust in McKennon Law Group PC to fight to have your wrongful denial reversed and claim for benefits reinstated. Our firm pursues your right to receive benefits from life, general liability, long-term care and disability insurers like The Hartford. At our firm, we understand insurers like The Hartford better than just about anyone. McKennon Law Group PC’s attorneys, including its founder, Robert J. McKennon, represented similar insurance companies for over 24 years. At McKennon Law Group PC, we use our significant experience and focused attention to get your life and disability insurance claims paid.

The Hartford began in 1810 as a fire insurance company, protecting its customers by employing its own fire department. In 1835, a fire destroyed New York’s financial district and Eliphalet Terry, then president of The Hartford, called a meeting where several pledged their personal fortunes to help pay the claims. Today, The Hartford offers an array of insurance and investment products, including automobile insurance, homeowner’s insurance, business insurance, annuities and mutual funds. The Hartford also offers employee benefits, including group life and accident, with supplemental and voluntary programs; group disability, with options for both short-term and long-term disability; group retiree health plans integrated with Medicare and additional voluntary benefits programs. The Hartford also offers related services, including absence management, which coordinates with state and federal leaves for disability claims and estate guidance, beneficiary assistance and other programs.

In our practice we often represent clients against The Harford because they deny many claims, mostly group long-term disability and life and accident claims. We have a proven track record representing clients against The Harford.

How does The Hartford Deny Life, Long-Term Care and Disability Insurance Claims?

The Hartford denies claims based on many reasons including, but not limited to, the following:

• The Hartford asserts the proof of claim you provided does not support the life, long-term care or disability claim
• The Hartford suggests the claimant did not provide adequate medical support for your life, long-term care or disability claim
• The Hartford asserts you provided inadequate documentation or proof of loss evidence or that you failed to provide such evidence in a timely manner
• The Hartford asserts the condition which is the subject of your claim is a pre-existing condition
• The Hartford asserts the insurance application contained materially false information, and thus the policy can be rescinded
• The Hartford asserts surveillance of the claimant suggests that you are not totally disabled
• The Hartford asserts your policy has lapsed due to nonpayment of premium
• The Hartford broadly interprets an exclusion in the life, long-term care or disability policy to preclude coverage for the claim

What Should Disability or Life Insurance Claimants Look for When The Hartford Denies a Claim for Life, Health, or Disability Insurance Benefits?

• Did The Hartford conduct a thorough and unbiased investigation into all potential bases for coverage?
• Did The Hartford take the opinion of its own, unqualified persons/supposed experts over the medical evidence you provided in support of your claim?
• If The Hartford did properly retrieve relevant medical records, did they improperly misread or misinterpret those records in support of your claim?
• Did The Hartford’s denial rely on the opinion of a reviewer that appears to be biased? Did the reviewer ignore relevant medical evidence or mischaracterize the content of a conversation with your primary care doctor?
• Did The Hartford deny your claim without requesting an in-person medical examination, even though you were willing to be examined?
• Did The Hartford refuse to acknowledge illness, injury or other symptoms for which only subjective evidence exists, such as mental disorders, autoimmune disorders, fibromyalgia, and chronic fatigue syndrome? Did the denial state that you failed to provide “objective evidence” in support of the illness or injury preventing you from performing the duties of your occupation?
• Did The Hartford improperly assert that your illness or injury is a pre-existing condition, wrongly attempt to rescind the policy or simply deny the claim with the intent of wearing you down so as to pay you a lower settlement?
• Did The Hartford improperly over-rely on surveillance of you engaging in activities as support that you can perform the activities of daily living? Did The Hartford do so without properly considering or characterizing the actual duties of your occupation?
• Did The Hartford improperly over-rely on social media evidence, from accounts such as Instagram, Facebook or other forms of social media to conclude you can work?
• Did The Hartford improperly fail to engage in a “meaningful dialogue” with you so you knew what you needed to get your claim paid?
• Did The Hartford wrongly fail to distinguish the findings by the Social Security Administration to deny your disability claim?

If you have a wrongfully denied claim for disability, life, long-term care or other insurance involving The Hartford, contact McKennon Law Group PC and pursue every avenue to your benefits

Choosing an attorney to represent you when you find yourself in the vulnerable position of having your disability, life or long-term care claim denied is key to the success of your insurance matter. You need a skilled, aggressive and experienced advocate in your corner. If your claim for health, life, accidental death and dismemberment, short-term disability or long-term disability insurance has been wrongfully denied or suddenly terminated, fill out a free consultation form or call (949) 387-9595 to schedule a free consultation with the attorneys of the McKennon Law Group PC, several of whom previously represented insurance companies and are exceptionally experienced in handling ERISA and non-ERISA, bad faith insurance claims.

If your claim for insurance benefits has been denied, you can trust in the attorneys at McKennon Law Group PC to fight to have your benefits reinstated. Our firm works on insureds’ behalf, exhausting every avenue to secure their benefits from life, general liability, long-term care and disability insurers like Reliance Standard. At McKennon Law Group PC, we understand insurers like Reliance Standard because we used to represent insurers like Reliance Standard. We specialize in collecting insurance benefits after insurers like Reliance Standard deny disability and life insurance claims, whether the claim is governed by ERISA or state insurance laws. At McKennon Law Group PC, our unique experience gives us the knowledge and ability to get your life and disability insurance claims paid.

Reliance Standard Life Insurance Company, commonly referred to as Reliance Standard, offers a wide variety of employee benefits coverage including disability income and group term life insurance coverage. Reliance Standard provides coverage in most states, including California, but does not offer insurance in New York, the District of Columbia, Puerto Rico and the U.S. Virgin Islands. In New York, First Reliance Standard Life Insurance Company offers insurance products, not Reliance Standard.

Reliance Standard works with its sister companies, Matrix Absence Management, Inc., and Safety National Casualty Corporation to manage a full range of employee absence services. Matrix partners with employers to manage disability claims and related government disability programs such as workers’ compensation and family leave. Safety National offers claims management, evaluation and other similar services. Reliance Standard, as well as Matrix and Safety National, are all members of the Tokio Marine Group, which also boasts members in property and casualty insurance, including First Insurance Company of Hawaii and Philadelphia Insurance Companies, the latter also offering professional liability insurance.

We see Reliance Standard often when they deny our clients’ claims. They issue many group life and disability insurance policies governed by ERISA. We have a demonstrated successful track record against this insurer.

Reliance Standard May Deny a Life, Long-Term Care or Long-Term Disability Insurance Claim in a Variety of Ways

In a claims denial letter notifying you that your claim has been denied, Reliance Standard might rely on any of the reasons discussed below:

• Reliance Standard might assert that the written proof you were required to provide does not actually provide the requisite support for your life, long-term care or long-term disability policy
• Reliance Standard might claim that you provided insufficient medical support, even though you may have supplied all the requested medical authorizations
• Reliance Standard asserts you provided poor documentation of proof of loss or they might assert that the proof you did provide was untimely
• Reliance Standard might conduct a pre-existing condition investigation and then determine that the condition excludes you from coverage under the policy
• Reliance Standard may attempt to rescind your policy because it claims that, when you applied for insurance, the answers you provided on the application contained materially false information
• Reliance Standard might hire a third-party company to record and report surveillance on your daily activities and then use that evidence to determine that you are not disabled
• Reliance Standard might improperly lapse your policy, alleging nonpayment premium
• Reliance Standard may expansively interpret an exclusion to its own benefit

What Should Disability or Life Insurance Claimants Look for When Reliance Standard Denies a Claim for Life, Health, or Disability Insurance Benefits?

• Did Reliance Standard conduct a detailed and thorough investigation into all the potential reasons for coverage?
• Did Reliance Standard’s denial letter refer to the opinions of clinical consultants or peer review physicians who never examined you or contacted you or your doctors?
• Did Reliance Standard properly pursue all the relevant medical information, and if it did, did it misinterpret those records or that medical evidence to deny your claim?
• Did Reliance Standard have an expert review your claim, but the opinion appears biased? Did the expert fail to review all the relevant medical information?
• Did the consulting doctor or claims examiner ignore relevant medical evidence or mischaracterize the content of a conversation with your primary treating doctor?
• Were you willing to subject to an in-person medical examination, with a doctor of Reliance Standard’s choosing, but Reliance Standard never requested that you be examined?
• Did Reliance Standard ignore your illness, injury or other symptoms because it asserted that objective medical evidence did not support your claim? Is subjective evidence the primary form of evidence with regard to your illness, such as mental disorders, autoimmune disorders, fibromyalgia and chronic fatigue syndrome?
• Did Reliance Standard improperly assert that your illness or injury is a pre-existing condition, wrongly attempt to rescind the policy or simply deny the claim with the intent of wearing you down?
• Did Reliance Standard improperly over-emphasize the significance of surveillance of you engaging in activities as support that you are not totally disabled? Did Reliance Standard do so without properly considering or characterizing the actual duties of your occupation?
• Did Reliance Standard fail to reasonably engage or communicate with you regarding what you needed to submit in order to adequately support your claim?

If you have a wrongfully denied claim for disability, life, long-term care or other insurance involving Reliance Standard, contact McKennon Law Group PC and we will single-mindedly pursue your benefits

Choosing an attorney to handle your recently denied claim for disability, life or long-term care benefits is a critically important decision. Disability, life and other forms of insurance denials are devastating to you and your family and you need a skilled and talented advocate in your corner. If your claim for health, life, accidental death or dismemberment, short-term disability or long-term disability insurance has been wrongfully denied or suddenly terminated, fill out a free consultation form or call (949) 387-9595 to schedule a free consultation with the attorneys of the McKennon Law Group PC, several of whom previously represented insurance companies and are exceptionally experienced in handling ERISA and non-ERISA, bad faith insurance claims.

If an insurance company such as Principal Mutual Life Insurance Company suddenly terminated your benefits, you can trust in McKennon Law Group PC to fight very aggressively to have your wrongful claim denial reversed and claim for benefits reinstated. Our firm fights for your benefits from life, general liability, long-term care and disability insurers like Principal Mutual. At our firm, we understand insurers like Principal Mutual because the McKennon Law Group PC’s attorneys, including its founder, Robert J. McKennon, represented insurance companies for many years. At McKennon Law Group PC, we use our significant experience and focused attention to get those life, long-term care, property and casualty and disability insurance claims paid.

Principal Mutual began as an insurance company in 1879 and, over time, expanded to offer a wide variety of insurance and investment products, including both individual and employer products. For individuals, Principal Mutual offers life insurance and disability income protection, as well as investment and retirement products, such as estate planning and personal trusts. As for employers, Principal Mutual offers employee retirement plans, business planning and other protection solutions.

Principal Mutual provides group disability insurance, including flexible insurance for both short and long-term disabilities; group life insurance; group dental insurance; group vision insurance and group critical illness insurance. Critical illness insurance functions like disability insurance, but offers additional financial protection beyond what may be covered by basic medical and disability. Since its beginning in 1879, Principal Mutual has expanded significantly, now a global investment management leader and a member of the Fortune 500. On October 26, 2001, Principal Mutual converted from a mutual insurance company to a stock company. In our opinion, this means that they will be denying more claims as they will have a greater financial interest in doing so.

How does Principal Mutual Deny Life and Disability Insurance Claims?

Principal Mutual denies claims for numerous reasons, including the following:

• Principal Mutual claims that there is insufficient evidence to support the life or disability claim
• Principal Mutual asserts that the claimant did not supply adequate medical support for the life or disability claim
• Principal Mutual asserts that the claimant failed to comply with the proof of loss requirements in a timely manner
• Principal Mutual asserts that the illness, injury or other conditions or symptoms that are the subject of the claim are excluded as “pre-existing” conditions
• Principal Mutual claims the insurance application contained materially false information, and thus the policy can be rescinded
• Principal Mutual conducts surveillance of the claimant, which it uses to support its determination that the claimant is not totally disabled
• Principal Mutual suggests that there has been a lapse in the claimant’s policy, focusing on a failure to pay premiums
• Principal Mutual overemphasizes the role of the exclusions in the life or disability policy, suggesting that the claimant’s illness or injury precludes coverage

What Should Disability or Life Insurance Claimants Look for When Principal Mutual Denies a Claim?

• Did Principal Mutual improperly investigate your claim? For example, did they request authorizations for medical records, but never follow up with your physicians?
• Did Principal Mutual improperly obtain opinions from unqualified persons/supposed experts? For example, did a peer review physician or onsite clinical consultant who has never seen you in person conclude you are not disabled contrary to the opinions of your long-time, in-person treating physicians?
• Principal Mutual improperly misreading or misinterpreting medical records
• Principal Mutual improperly hiring and using biased “independent” medical reviewers and examiners
• Principal Mutual improperly denying a claim without any medical examination
• Principal Mutual improperly refusing to acknowledge subjective disabling conditions such as mental disorders, autoimmune disorders, fibromyalgia, and chronic fatigue syndrome because there is no objective evidence of the condition
• Principal Mutual improperly asserting a pre-existing condition
• Principal Mutual improperly attempting to rescind the policy
• Principal Mutual improperly denying a claim with the intent to wear the claimant down to a lower settlement
• Principal Mutual improperly over-relying on surveillance evidence to conclude a claimant can work
• Principal Mutual improperly over-relying on social media evidence to conclude a claimant can work
• Principal Mutual improperly failing to have a meaningful dialogue with the claimant
• Principal Mutual improperly failing to use findings by the Social Security Administration to deny a disability claim

If you have a wrongfully denied claim for disability, life, accidental death and dismemberment or other insurance involving Principal Mutual, contact McKennon Law Group PC and we will exhaust all avenues to pursue your benefits

Choosing an attorney to represent you when you find yourself in the vulnerable position of having your disability, life or long-term care claim denied is the most important decision you can make in the pursuit of your claim. You need a skilled, aggressive and experienced advocate in your corner. If your claim for health, life, accidental death or dismemberment, short-term disability or long-term disability insurance has been wrongfully denied or suddenly terminated, fill out a free consultation form or call (949) 387-9595 to schedule a free consultation with the attorneys of the McKennon Law Group PC, several of whom previously represented insurance companies and are exceptionally experienced in handling ERISA and non-ERISA, bad faith insurance claims.

If an insurance company like AXA Insurance Company (“AXA”) suddenly terminated your benefits or denied your disability or life insurance claim, the McKennon Law Group PC will fight to have your benefits reinstated or wrongful denial reversed. You can trust in our firm to aggressively pursue your right to receive benefits from life, general liability, long-term care and disability insurers like AXA. We know insurance companies better than as well as anyone because many of McKennon Law Group PC’s attorneys, including its founder, Robert J. McKennon, previously represented insurance companies. At McKennon Law Group PC, we use our significant experience and focused attention to aggressively work to get your life, long-term care and disability insurance claims paid.

In 1859, Henry Hyde left the Mutual Life Insurance Company of New York to start his own endeavor. Originally known as the Equitable Life Assurance Society of America, Equitable became a big player in the insurance industry within ten years from its founding. By 1970, Equitable introduced a line of individual variable annuity products and six years later, pioneered variable life insurance. In 1992, Equitable converted from a mutual to a stock company, with a $1 billion-dollar investment from the AXA Group, and became a member of the Global AXA Group. Shortly thereafter, AXA Group acquired National Mutual, AXA Equitable Life Insurance Company and MONY Life Insurance Company of America. Like many other insurance companies, AXA offers a wide variety of insurance products, including life insurance (term, whole, universal and variable), retirement (variable annuities and individual retirement accounts), investments (brokerage and advisory accounts as well as mutual funds) and others.

The AXA Group is a very large insurer, with 166,000 employees serving 107 million clients in 64 countries. AXA’s property and casualty business makes up over a 1/3 of AXA’s total revenue. AXA Insurance Company, a member of AXA’s P&C international network is domiciled in New York and admitted in all 50 states.

How does AXA Deny Life, Long-Term Care and Disability Insurance Claims?

AXA denies claims based on many reasons including, but not limited to, the following:

• AXA asserts the proof of claim you provided does not support the life, long-term care or disability claim
• AXA suggests the claimant did not provide adequate medical support for your life, long-term care or disability claim
• AXA asserts you provided inadequate documentation or proof of loss evidence or that you failed to provide such evidence in a timely manner
• AXA asserts the condition which is the subject of your claim is a pre-existing condition
• AXA asserts the insurance application contained materially false information, and thus the policy can be rescinded
• AXA asserts surveillance of the claimant suggests that you are not totally disabled
• AXA asserts your policy has lapsed due to nonpayment of premium
• AXA broadly interprets an exclusion in the life, long-term care or disability policy to preclude coverage for the claim

What Should Disability or Life Insurance Claimants Look for When AXA Denies a Claim for Life, Health, or Disability Insurance Benefits?

• Did AXA conduct a thorough and unbiased investigation into all potential bases for coverage?
• Did AXA take the opinion of its own, unqualified persons/supposed experts over the medical evidence you provided in support of your claim?
• If AXA did properly retrieve relevant medical records, did they improperly misread or misinterpret those records in support of your claim?
• Did AXA’s denial rely on the opinion of a reviewer that appears to be biased? Did the reviewer ignore relevant medical evidence or mischaracterize the content of a conversation with your primary care doctor?
• Did AXA deny your claim without requesting an in-person medical examination, even though you were willing to be examined?
• Did AXA refuse to acknowledge illness, injury or other symptoms for which only subjective evidence exists, such as mental disorders, autoimmune disorders, fibromyalgia, and chronic fatigue syndrome? Did the denial state that you failed to provide “objective evidence” in support of the illness or injury preventing you from performing the duties of your occupation?
• Did AXA improperly assert that your illness or injury is a pre-existing condition, wrongly attempt to rescind the policy or simply deny the claim with the intent of wearing you down so as to pay you a lower settlement?
• Did AXA improperly over-rely on surveillance of you engaging in activities as support that you can perform the activities of daily living? Did AXA do so without properly considering or characterizing the actual duties of your occupation?
• Did AXA improperly over-rely on social media evidence, from accounts such as Instagram, Facebook or other forms of social media to conclude you can work?
• Did AXA improperly fail to engage in a “meaningful dialogue” with you so you knew what you needed to get your claim paid?
• Did AXA wrongly fail to use findings by the Social Security Administration to support your disability claim?

If you have a wrongfully denied claim for disability, life, long-term care or other insurance involving AXA, contact McKennon Law Group PC

Choosing an attorney to represent you when you after your disability, life or long-term care claim is denied is an important decision. You need a skilled, experienced and talented advocate in your corner. If your claim for health, life, accidental death or dismemberment, short-term disability or long-term disability insurance has been wrongfully denied or suddenly terminated, fill out a free consultation form or call (949) 387-9595 to schedule a free consultation with the attorneys of the McKennon Law Group PC, several of whom previously represented insurance companies and are exceptionally experienced in handling ERISA and non-ERISA, bad faith insurance claims.