Madison National Disability Claims

The O’Ryan Law Firm has represented several clients in disability claims against Madison National Life Insurance Company. Most of these clients have been teachers or other former employees of school corporations located in Indiana. Madison National has issued disability coverage to numerous school corporations across the State of Indiana committing to provide income replacement benefits to Indiana teachers who have become disabled due to an injury or illness. We have represented several teachers who have had a stroke, suffer from bipolar disorder, or who have been diagnosed with fibromyalgia, among other medical conditions, in disability claims denied by Madison National.

Madison National has been headquartered in Madison, Wisconsin since
1961. They are a wholly-owned subsidiary of Independence Holding Company, a NYSE listed corporation with principal interests in the life and health insurance business. Madison National is involved in several lines of life, health and disability business including Group Life, Short-Term Disability and Long-Term Disability for both public and private sector employers across the country.

Madison National’s Group Long Term Disability Plans typically provide the following:

Income replacement from as low as 40% to as high as 70% of pre-disability earnings;
A range of replacement options to help tailor a plan to fit an employee benefit budget;
A wide variety of elimination periods are available;
Benefit waiting periods can be as short as fourteen days to as long as one year and can be designed to coordinate with an existing sick leave and/or Short-Term Disability plan;
Benefits are most commonly paid until retirement age, but can also be shortened for a more economical plan;
Various definitions of disability are available;
Partial or Residual definitions allow an employee to return to work on a part-time basis and still continue to receive a benefit;
Limited durations are available for more economical plans;
Benefits for disabilities due to drug/alcohol, mental/nervous, and/or self-reported conditions can be limited to reduce the cost of the plan;
Many optional plan provisions are available.

In claims with Madison National, it is important to make sure you submit all of your medical records to Madison National and that you have your physician clearly and adequately explain your restrictions and limitations to Madison National. It is important to maintain a regular treatment plan with your treating physicians and to diligently pursue your treatment plan. Otherwise, Madison National may find that your disability claim is not supported and they will readily deny the claim. If your disability claim has been denied by Madison National, please contact the O’Ryan Law Firm at (855) 778-5055.