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Learn if You Have a Claim Against Credit Card, Mortgage & Life Insurance Disability Plan Providers

Cases Against Credit Card, Mortgage & Life Insurance Disability Plan Providers

Consumers see offerings for disability protection plans all the time. From mortgage companies to credit card companies, millions of consumers are buying these plans. In essence, these insurance plans, in return for a fixed monthly fee, are supposed to pay your mortgage or other bills while you are disabled. But in many instances, it doesn't work as hoped.

Disability Information

Date you became disabled:
Please list the names and specialties of the doctors who certify your disability status:
Do you have a copy of the records from your doctor stating you are disabled? Yes  No
Please describe your disability.
What is the name of the insurance company that issued this policy?
Date you filed the claim:
Date insurance carrier denied benefits:
Do you have a copy of the denial letter? Yes  No
Did you appeal the decision? Yes  No
Was the appeal denied? Yes  No

Is your inquiry concerning one of the following? If so, complete the corresponding section.

Is your inquiry concerning Credit Card Disability (Complete Section A) Yes  No
Is your inquiry concerning Mortgage Disability (Complete Section B) Yes  No
Is your inquiry concerning Life Insurance Disability/ Waiver of Premium (Complete Section C) Yes  No

Section A: Credit Card Disability

Current amount of total credit card balance:
Total credit card balance at the date you became disabled:
Amount you or any party paid towards the balance during the time of disability:
Who has been paying the amount due each period after the company refused to?
Minimum monthly payment due each period:
What was your credit card score prior to the disability?
What is your credit card score at present?
Please describe other negative repercussions have you suffered as a result of denial of your benefits?

Section B: Mortgage Disability

Current amount of mortgage balance:
Amount of total mortgage balance at the date you became disabled:
Amount you or any party paid towards the balance during the time of disability:
Amount of monthly payment due each period:
Amount of monthly payment covered under the policy:
Who has been paying the amount due each period after the company refused to?
Did your home go into foreclosure? Yes  No
Did any other negative repercussions concerning your mortgage occur as a result of the denial? Yes  No
Did your interest rates increase? Yes  No
If yes, by how much?
Did your borrower rating drop as a result of the denial? Yes  No
If yes, by how much?
Please describe other negative repercussions have you suffered as a result of denial of your benefits?

Section C: Life Insurance and a Waiver of Premium

Amount of the life insurance premium:
Amount of the life insurance:
Who is the beneficiary?
Who paid the premium before you became disabled?
Amount of premium to be waived at the date you became disabled per the policy:
Who has been paying the amount due each period, after the insurance company refused to?
Is the life insurance policy still in effect? Yes  No

Personal Information

First Name
Last Name
Street / Apt /
City, State Zip
Home Phone & Evening Phone (Same) . . & . .
E-Mail Address
Confirm E-Mail
Date Issue/Problem

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Other Insurance Cases of Interest

The Armenian Genocide of 1915 was the first mass killing in the 20th Century—between 1.5 and 2 million people were killed. A class action has been filed against German insurance company Victoria Versicherung AG and three related companies on behalf of descendants of victims massacred in the Armenian Genocide of 1915, who allege that the company failed to pay life insurance policy proceeds to them.
 
A class action lawsuit has been filed in the Southern District Court of Indiana against Beazer Homes Investment Corporation, Inc. Hanover Insurance Company seeks a declaration that the it is not obligated or required to defend and indemnify Beazer Homes as an insurer because of Beazer's alleged fraudulent activity.
 
A class action lawsuit has been filed in the Southern District of New York against Lenox Hill Hospital. The case involves violations of the Employee Retirement Income Security Act (ERISA). No additional information about the substance of the allegations is available at this time. Classactionamerica.com will monitor this case and provide additional details as soon as they become available.
 
Federal law is often criticized as being overly complex, but that complexity only reflects the nature of our society. The class has been certified in an action filed against AXA Network, LLC, and the Equitable Life Assurance Society of America on behalf of all current, former, and retired Equitable agents who show (a) lost eligibility for benefits under any Equitable ERISA plan during any period on or after January 1, 1999, because of the application of the policy adopted by Equitable of using compliance with specified sales goals as the test of a "full time life insurance salesman" or (b) remain subject to losing such benefits in the future because of the potential application to them of that policy.
 
It's bad enough to think that your insurance adjuster's bonuses may be based on his or her ability to get you to accept less than your claim is worth--worse to think that a machine may actually be calling the shots. The class has been certified in an action filed against Allstate Insurance Company on behalf of New Mexicans who allege that the company misuses a computer program named Colossus to settle their bodily injury claims for sums lower than those offered by any other insurance company, effectively cheating them in violation of New Mexico consumer protection and insurance law.
 
The theory of diminished value asserts that buyers choosing between two otherwise equal vehicles will select one that has not been previously damaged and repaired, even where the repairs to the other vehicle were first-rate. The parties have reached a tentative $1.725 million settlement in an action filed against Southern General Insurance Company on behalf all persons insured under an automobile insurance policy issued in Georgia by the company who made a claim for damage to their vehicle under their collision or comprehensive coverage for a loss that occurred between June 12, 1997, and February 13, 2002, or under their uninsured motorist coverage for a loss that occurred between June 12, 1999, and February 13, 2002. Though there is no claims deadline at this time, persons eligible to take part in the settlement who have not received a notification letter should act as soon as possible to alert the company of their eligibility.
 

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