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Interview with MT Gov. Brian Schweitzer - Originally posted to PoliticsTV.com in May 2006] After speaking on a panel discussion at the AFL-CIO headquarters in downtown Washington, DC on May 9, ...
Raw Video: Environmental activists meet with MT Gov - Environmental activists from Northern Rockies Rising Tide, Earth First and other groups descended upon Montana Gov. Brian Schweitzer office on Tuesday, July ...
Montana Gov. Brian Schweitzer: Mitt Romney 'Wrong Man To Be President' - Montana Governor Brian Schweitzer addressed the Democratic National Convention Thursday night, talking about jobs numbers and comparing President ...
Montana Governor Vetoes Constitutional Carry - Montana Governor Vetoes Constitutional Carry Montana Governor Steve Bullock VETOED HB 262, Constitutional Carry yesterday. There is still a chance for ...
Remarks from Gov. Brian Schweitzer (D-MT) - The American Prospect magazine and the AFL-CIO hosted a panel discussion in honor of David Sirota's new book, "Hostile Takeover" on Tuesday, May 9, 2006.
Rick Hill for Governor: Believe - Watch Rick Hill's first television ad of the General Election. Visit www.rickhillforgovernor.com to learn more.
Rick Hill for Governor: Get the Job Done - Watch our television ad. To learn more about Rick visit www.rickhillforgovernor.com.
MT Gov. Brian Schweitzer on Treasure State racism - At the Ohio Democratic Party's annual dinner on July 28, MT Gov. Brian Schweitzer characterizes some Montanans as racist toward Native Americans. For more ...
Montana Gov. Brian Schweitzer (D) in Denver - Montana Gov. Brian Schweitzer (D), one of 11 governors who spoke at the DNC convention, made renewable energy his theme.
Chuck Todd takes on Former Montana Gov. Brian Schweitzer - Chuck Todd takes on Former Montana Gov. Brian Schweitzer.
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Karol Olszewski Rudokurka żółtawa. Eng. Yellow rail. Lat. Coturnicops noveboracensis.
Geographic range: across Canada east of the Rockies; also the northeastern United States and the entire northern Canada–US border Great Plains to the Great Lakes.
Photo by http://FieldGuide.mt.gov/speciesDetail.aspx?elcode=ABNME01010
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Real Estate Sample Quitclaim Deed Form – 10 Free Documents in PDF, Word #ui4u.mt.gov #file #claim
free quit claim deed template 11+ Quitclaim Deed Forms – Samples, Examples Format […]
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Laxmi Kasbekar Hunt ID: MT-ElkMDeerAntelopeLionSheepGoat-WOR-LTONHAMI-ICKR
Pay me for what I do best, Guide for successful hunts. Don’t pay me as an inn keeper or a cook!
The costs of many are escalated to provide, meals and lodging that you can get cheaper and near the hunt site. Some have Campers, or stay in local motels. This leaves me to focus 100% on getting you close to the animal you came for. In doing so I have dropped my price by about 1/3rd and my 4 hunter prices, unbeatable!
Elk 4 Day hunt only $ 995 with limited number of hunts available!
Deer 3 Day hunt only $ 895 with limited number of hunts available!
Antelope 3 Day only $ 895 with limited number of hunts available!
Deer-Antelope 5 Day combo hunts only $ 1095 with limited number of hunts available!
If Booked before March 1 of the year to be hunted.
You will be trophy hunting western Montana in millions of acres called the famous Bitterroot National Forest from blinds, or spot and stalk whatever looks to be the most successful after the outfitter pre-scouted the prime public land hunting area. This kind of hunting can have a 0-60 exertion level due to the choice of hunting style. The best dates to hunt vary with the species and the seasons that the animal is legal to hunt.
We have taken lodging out of this hunt to significantly lower the price. You will need a license which is easy to obtain. Motels are close enough to the hunting areas we use the comfort of them for lodging. If you have a camping trailer it can be used also. We do provide some of the meals to make you hunting time more efficient. The Bitterroot & Sapphire Mountains where I hunt is famous for beauty and ruggedness, and we have a history of supplying trophy quality big game. I can provide the best hunt for you in this area. I know these mountains, better than I know the back of my hand! I can offer a variety of hunting methods to match the hunter’s skills and abilities. You will have an enjoyable trip and I can make it a 100% successful time for you.
FAIR CHASE ELK SPECIAL HUNTS:
Late Season Trophy BULL ELK Rifle Hunting Nov. 18-27
4 DAY ELK HUNT GUIDED 4 hunters 1 guide - $ 995.00 EACH
4 DAY ELK HUNT GUIDED 3 hunters 1 guide - $ 1,095.00 EACH
4 DAY ELK HUNT GUIDED 2 hunters 1 guide - $ 1,395.00 EACH
4 DAY ELK HUNT GUIDED 1 hunter 1 guide - $ 2,990.00
10 DAY ELK HUNT GUIDED 4 hunters 1 guide - $ 2,095.00 EACH
10 DAY ELK HUNT GUIDED 3 hunters 1 guide - $ 2,025.00 EACH
10 DAY ELK HUNT GUIDED 2 hunters 1 guide - $ 2,990.00 EACH
10 DAY ELKHUNT GUIDED 1 hunter 1 guide - $ 5,980.00
(50% HUNT DEPOSIT REQUIRED)
Early Season MULE DEER Rifle Hunting Oct. 22-Nov. 14
3 DAY HUNT 4x1 WITH GUIDE - $ 895.00 EACH
3 DAY HUNT 3x1 WITH GUIDE - $ 995.00 EACH
3 DAY HUNT 2x1 WITH GUIDE - $1,265.00 EACH
3 DAY HUNT 1x1 WITH GUIDE - $2,295.00
Antelope hunts as low as $1295.00 with lots of Antelope to pick from this year.
Bear hunts as low as $1395.00 with lots of bear this year.
Licenses are easy to obtain and the outfitter will assist you in getting that done.
Hunters can fly into Missoula, Montana on Delta or Northwest
Within 30 days after booking the outfitter will contact you and give you written documentation as to what to bring and discuss the hunt plan with you.
You will be transported and hunting in 4x4 pickups with our extremely experienced guides at the wheel.
Your guide will skin and cape your trophy and meat processing is available in town.
NEW Elk hunts and Deer hunts are NOW priced lower for this season. You can hunt Elk for 10 full days, plenty of time to find a trophy Bull Elk. You can book a discounted hunt without having a partner. All nonresident elk and deer tags went on a drawing. No guaranteed outfitter licenses anymore. No worry, drawing chances are very high, and if not successful, we will hunt the next year, a different hunt, or refund the deposit. This outfitter will accept 50% deposits to hold the dates and hunt you want.
He has a long history of guiding hunters here in the famous Bitterroot Valley of Western Montana. He learned with my parents who were outfitters, and I have operated here on the millions of acres in the Bitterroot and Selway Wilderness areas since 1970, guiding clients from all over the world for Montana trophies.
I guide on each hunt, and may confirm as your guide, with early booking deposits. All my guides and I like to hunt hard for our clients. Trophy size animals are available to all hunters. My goal is to harvest a trophy for everyone, but I provide a quality hunt first. Because it is called hunting, not killing. My hunters know their outfitter/guide tries as hard as they can, for the opportunity, which runs 50% or better most years on Elk, and 85% at least on Deer & Black Bear. Success runs 100% mostly on hunts for Antelope, Sheep, Moose, Mountain Lion and Mountain Goat. These tags are by drawing, and I can help you with application deadlines & tag costs.
The application deadlines are early so we need to get together as soon as possible. Antelope tags still very hard to get but the deer and elk are easy.
2X1 5 day, rifle or archery COMBO elk & deer hunt GUIDED for 5 days of hunting! Special reduced price only $1,595.00, each hunter!!
Lots of Elk, Deer, BEARS, Cougars, Antelope and Wolves! Many color phases on bear, and some great 6 foot bear rugs to hunt! New MONTANA later Black Bear season for this, April 15- June 15, a great opportunity for a father son/daughter hunt after school lets out. Give yourself a great hunt this coming spring, fall or winter and come see Western Montana with me. Have some fun hunting!! My goal is your success!
Mountain Lion Special! Book any this season, and get Free WOLF Hunting! 100% Success on Montana Lion! Rifle - Handgun - Archery Hunting, with one of the West's foremost Lion Guides. The Cougar Hunts run in December, January, February March and April. The Cougar population is at an all time high. We use dogs for the chase on these big cats, with snowmobiles, 4-wheeldrive vehicles, and snowshoes for transportation.
I am well aware of the time, effort, and costs that go into planning Big Game Hunts. The success of your hunt, for the most part depends on the knowledge, experience, character and integrity of your Outfitter. I am licensed and insured to operate in Montana. Having been in Business for over 37 years as a full-time Outfitter and Guide I have satisfied clients from all over the globe. My integrity has a record of accomplishment that speaks for itself. All of our hunts in Montana are fair chase. We have the game and we hunt hard for you. I do not guarantee game, but I guarantee we will do our best to provide you with an enjoyable, successful and memorable hunt.
I strictly abide by the Code of Ethics of the National Rifle Association, Montana Outfitters and Guides Associations and the laws and regulations of Montana. Non-hunting companions may accompany hunters if prior arrangements have been made for a slight additional fee. A complete, “What to Bring” list will be furnished to you after booking. Also yes, we recommend binoculars and a spotting scope because we let our eyes do the walking.
Good news for hunters!! There is lots of game here, and I need more hunters. My prices have dropped, now hunters may camp on their own, book in advance at a discounted nice motel room, (motel lodging is $60.00 per night, single or double). Or choose own lodging in Hamilton, Montana and local food is available.
So my new lower prices and longer hunts include:
Experienced guide(s), 4x4 vehicle, game retrieval, game care for taxidermy and hard as you can hunt hunting. Guides will work hard for you, to get you in the game. We start early and hunt all day. It is fair chase, and your success depends a lot on weather, time, some on luck, and a lot in our ability gettting you into the game and getting you the opportunity shot. Your physical ability needs considered. It is big country and game live in tough country here, if time, and the weather is against you, you may not have success.
So my idea is this, once you get the tag(s), you should consider giving enough time during the “best” part of the season to make sure you fill that tag. I can now make this happen, in some great fair chase hunting country. Longer hunts and lower prices my hunting boundaries include an entire national forest! Combo hunts are still available.
For Elk and Deer: New for this year, all nonresident elk and deer tags went on a drawing. No guaranteed outfitter licenses anymore. No worry, drawing success is very high, and if not drawn, we will refund your deposit or carry it over to a different hunt. I will only take a $500.00 deposit to hold the dates you want.
I was born and raised here, in some of the best hunting country, famous for quality big game trophies. The bitter root national forest is in western Montana. I want your fair chase hunt to be successful, so I now offer for the first time these guided hunts:
Archery Elk Hunting Montana
Areas I hunt in Montana provide little or no pressure during the bugle season for elk. Your chances of scoring on a big bull elk, with experienced guides that will hunt in close with you are higher than 50%. We work hard to get you that perfect archery shot. Guides will do all the bugling or cow calling for you. What a way for you to have the most exciting hunt of a lifetime! Listening to that big bull elk challenge us with a blood curdling bugle and then come in close for that ever remembered shot.
BULL ELK Archery Hunting
SEASON OPEN SEPTEMBER 5th THROUGH OCTOBER 17th
FULLY GUIDED (7) SEVEN-DAY ARCHERY HUNTS
4 hunters with 2 guides - $1,295.00 each
3 hunters with 1 guide - $1,495.00 each
2 hunters with 1 guide - $2,495.00 each
1 hunter with 1 guide - $3,995.00
(Longer hunts available, upon request with a per day rate)
(50 % hunt deposit required)
Montana early application don’t miss it-- MARCH 15 APPLICATION DEADLINE (drawing license)
ALSO: Come join us for an exciting hunt next spring or fall. Have some fun and do some Bear Hunting. Guides and 4-wheel drive vehicles are furnished for the hunt. There is plenty of excitement AND GAME. Black Bear and Antelope hunts are great for father/son, father/daughter or husband/wife type of hunts.
GUARANTEED Black Bear LICENSES!! (350.00) on 50% COLOR PHASE BEARS!!
NO DOGS, NO BAIT!! FAIR CHASE
Hunts for Black Bear
Lower Prices, New Dates & Lots of Bear! 85% opportunity at least!
Spring Hunts / May 1 through June 15 5 DAY SPRING BEAR HUNTS
3X1 - $1,395 per hunter
2X1 - $1,595 per hunter
1X1 - $2,495 per hunter
Fall Hunts /September 15-October 5th /5 DAY FALL BEAR HUNTS
3X1 - $1,395 per hunter
2X1 - $1,745 per hunter
1X1 - $2,895 per hunter
Montana ANTELOPE AND/OR MULE DEER HUNTS
(DRAWING: Apply by June 1 for Antelope Tags by March 15 for Deer Tags)
(Maximum of 4 hunters per hunt)
ANTELOPE ONLY HUNTS
3 DAY ANTELOPE ONLY HUNT N0. 1
SPECIAL TROPHY BUCK HUNT FOR 160-190” MULE DEER HUNT
The hunt will be based in Hamilton Mt. at the Town House Inn for accommodations. Hunters may fly into Missoula Mt. and we will pick up and bring to Hamilton. We have deer hunting area within 15 minutes of the motel. We hunt hard each day, glassing, using 4 wheel drive truck to access areas. We will track and follow deer, drive and still hunt. Pretty rough and rugged country in western Montana has allowed these bucks to see their 6th birthday and 180 inches in antler growth. Big buck are never plentiful anywhere but with work you will find one that quenches your thirst and will adore you game room wall. Lodging is $60.00 per night, motel serves breakfast. We take a sack lunch provided by me, and in the evening the hunter buys his meal at local restaurant when he comes in. We will get game to processor and do capeing for trophies. Transportation and guide included. 6 day guided hunt cost $ 3995.00. This is not the hunt for the hunter looking for a glamorous hunt staying in an upscale hunting lodge sitting around the fireplace with a pipe in his mouth and a hunting story on his tongue. We put all money and effort into one goal, getting that big buck. If this is what you have in mind and the antlers are more important than the lodging and meals we can do this together. We have thousands of acres to hunt, that I was born and raised in and trophy deer are available for those that will make the effort that is required to locate them.
MULE DEER AND ANTELOPE HUNTING
(DRAWING: Apply by March 15 for DEER Tags)
5 DAY HUNT 4 HUNTERS WITH GUIDE - $ 1,095.00 EACH
5 DAY HUNT 3 HUNTERS WITH GUIDE - $ 1,795.00 EACH
5 DAY HUNT 2 HUNTERS WITH GUIDE - $ 2,295.00 EACH
5 DAY HUNT 1 HUNTER WITH GUIDE - $ 3,295.00 EACH
HUNT NO.1-OCTOBER 21-25 HUNTS ARE HELD IN EASTERN MONTANA
Bear, Mountain Lion, Sheep and Goat are also guided hunts.
Western Montana Mountain Lion! (Cougar) Rifle - Handgun - Archery Hunting
100% Success for treed but the shot is up to you!
This outfitter has established himself as one of the West's foremost Lion Guides. The Cougar Hunts run December through April 15. The Cougar population is at an all time high. I use dogs for the chase on these big cats, and snowmobiles, 4-wheel drive vehicles, and snowshoes for transportation on these hunts. Everything except your own personal lodging, gear and license are furnished. We recommend the use of a handgun, rifle or archery on a cougar hunt. There are quotas in areas, License & tags may be over the counter for non-residents. 100% success on hunts!!!
MONTANA 7 DAY HUNTS
TROPHY MOUNTAIN LION/COUGAR HUNTS
HUNT NO. 1 Dec. 01 through Dec. 07 HUNT NO. 2 Dec. 10 through Dec. 16
HUNT NO. 3 Jan. 03 through Jan. 09 HUNT NO. 4 Jan. 12 through Jan. 18
HUNT NO. 5 Jan. 21 through Jan. 27 HUNT NO. 6 Feb. 1 through Feb. 07
HUNT NO. 7 Feb. 17 through Feb. 23 HUNT NO. 8 Feb. 25 through Mar. 02
HUNT NO. 9 Mar. 05 through Mar. 11 HUNT NO. 10 Mar. 14 through Mar. 20 $ 4,495.00 per hunter $500 deposit with reservation
I ask you to be flexible on your time schedule. I set up a schedule of hunts and will book you into one of those slots. However, if a hunter completes his hunt early and the conditions are perfect for hunting, I may ask you to arrive earlier than your booked time. On the other hand, if the weather is not perfect for the hunt, I may ask you to wait to arrive until the weather is better. I really want your hunt to be a success and will do everything possible to assure you that it will be. I will do all the paperwork for application, or by Internet web site.
Deadline for Application is AUGUST 31st!!! I will provide area number to apply in. Apply at: @ www.fwp.mt.gov for all tags
This outfitter has some history of hunting in his résumé. He has been a License Outfitter since 1976 insured and experienced. Over all those years, I have packed in for camps in Idaho & Montana and have done day hunts where we use vehicles. I have a forest service permit on an entire national forest in Montana at this time. I offer guided hunts by vehicle and foot. We fair chase in this area by spotting and stalking. I was born and raised here. My method of hunting right now is pick up hunters at a motel or their camp, take them in 4x4 truck to an area and we hunt on foot, then return after dark. My prices are around 500.00 per day per guide, and guides can take up to 4 hunters which reduces individual hunt cost. I normally have myself and 4 other guides. I use horses for game retrieval, or I use snowmobile, 4-wheeler or backpack. My reservation application is the contract, my refund policy is full refund if not drawn for license on elk and deer, or you can apply next year, or do a different hunt. I use experienced guides, some that come directly from my own guide school I teach in the summer since 1983. I provide guide service, transportation, game care to a processor and pre taxidermy capeing. Guide to hunter ratio can be 1x1 to 4 x 1 time with each client varies in these ratios. Hunter numbers depend on how they book and the guide ratio. I have access to over 1 million acres of public national forest mountain land in western Montana, lots of room and lots of game country. Most elk country we hunt is rough. Hunting elevation is around 7000 feet. Still only minutes from town, this is less than 4000 feet. I can arrange lodging and food for a separate price. I send a, “what to bring” list. There is one in the brochure. I also send a reference list in the brochure. I think you need a brochure. I do not cancel hunts due to weather. I run better than 50% on elk for hunters I guide fair chase. I'm honest, hard working, still guiding each hunt and look for the biggest trophies I can find for clients.
You need to be in shape, or lucky and here at the right time to get elk. Deep snow make elk here easier, snow normally gets deepest last of the season. Otherwise, if you’re in shape and can go with me where I want to go, any time of the season is good for elk. First two weeks of Nov. are best here for Mule Deer though, unless you’re in good shape and have a few days at least to devote to deer.
It's tough country, it's fair chase and elk do not want to be shot, normal do it yourself success for fair chase elk hunting here is around 5%, including cows. My guiding success is much higher. There are some recent elk pictures on my web site, which is being updated. The promo for free hunting is only good until 3/1, 2011. I have taken many first timers. The elk are here. Fun to hunt, and you should be in shape to enjoy it as a hunt. Late season, with deep snow, and sometimes you run into them close to roads a lot, and being in shape is not so important, you just need the snow, time and persistence. I love elk hunting, I hope you can tell. Let me know how else we can help.
Master Hunt Broker
Master Land Owner Voucher Broker
Discounted Hunts LLC
Outdoor Writers LLC
Pro-Staff Dead Down Wind Scent Products
Pro-Staff Benchmaster Shooting Accuracy Products
1204 Button Rock Drive
Longmont, Co 80504
303-746-1214 Cell Phone
Email: [email removed]
Web Page : http://www.discountedhunts.net
Web Page for current Voucher List http://www.discountedhunts.net/Pages/LandownerVouchers.aspx
http://youtu.be/KWDT8z-Rpsg Mule Deer
http://youtu.be/cN1N50KPBIQ Whitetail Deer
Click on the Photo on the left to find where trophy
Deer and Elk are located, we know because we take many each year. Please send help with rifles, muzzleloaders or bows!
Or ask us about our “Hunt Now Pay Later Program” valid for all hunters booking our hunts you just need credit approval. We realize the hunt of your dreams will not be a reality because you will never be in better physical condition than you are today. Instead of planning the hunt when you can afford it when you are 80 years old we want you to be in the condition required to make the hunt successful when you are 60 years old. This program is a must for a hunter filling his bucket list! Ask Greg or Sharon about the details for this great program.
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Irina Takaya Montana Unemployment – Benefits, Eligibility & Claims #erie #insurance #claims
ui4u.mt.gov claims Montana Unemployment Benefits Montana Unemployment Questions What if I change my […]
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Lucas KnegóciosOnline www.mt.gov.br/inicio www.mt.gov.br/inicio?p_p_id=101&p_p_lifecycle=0&p_p_state=maximized&p_p_mode=view&_101_struts_action=%2Fasset_publisher%2Fview_content&_101_returnToFullPageURL=%2F&_101_assetEntryId=5268317&_101_type=document&_101_showComments=true
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Kai Groenke, Attorney at Law I receive calls nearly every day from folks who are seeking low-cost or pro bono legal services. Finding services without any hidden costs can be challenging. Here are some links to legal resources in Montana:
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Julie A. Rice Call me at 770-865-8654 so that I may personally introduce you to this amazing disability company through my own company, www.disabilityremedies.com the final page with resources:
Frequently Asked Questions, Resources, Useful Information and More
Helpful Resource Links and Continue to Scroll Down for More Helpful Information such as Frequently Asked Questions and More
Webite for the United States Department of Labor EBSA (Employee Benefits Security Administration) Final Rule, Volume 65, Number 225, Page 70245-70271 [PDF Version].
Website for the United States Department of Labor which has multiple Disability Resources including Benefits, Civil Rights, Community Life, Education, Employment, Emergency Prepardness, Health, Housing, Technology & Transportation.
Website for the United States Department of Labor; Employee Benefits Security Administration (EBSA); Plan Administration & Compliance; and Information for Workers & Families, Employers & Advisors, Researchers, Key Topics, and Laws & Regulations.
Website for the Social Security Administration with information about Benefits for People with Disabilities including Disability Home; Apply for Benefits; Getting Benefits Now?; Health Insurance; Program Information; and Frequently Asked Questions.
Website sponsored by the United States Department of Labor, Employment & Training Administration, & Developed by the National Center for O*Net Development now ONLINE that has detailed descriptions of the world of work for use by job seekers, workforce development and HR Professionals, students, researchers, and more.
Frequently asked questions
Who Makes The Decision To Deny A Long Term Disability Insurance Claim?
Our Disability Attorney Experts have stated that after review of thousands of long term disability benefit denials, it is their opinion that 98 out of 100 hundred times the disability insurance claims examiner will only believe and listen to what their own hired doctor states. Effectively, this means that if three of your doctors say you are disabled and the insurance company has the medical records reviewed by their own doctor, then the insurance company will ignore your treating doctors and agree with the hired doctor. There is no requirement for the disability insurance company to give more weight to the medical opinions of the treating doctors, however the disability insurance company is required to conduct a fair and reasonable review of all available information.
How Can The Disability Company Conduct A Fair Review When 98% Percent Of The Time They Adopt The Opinion Of The Hired Doctor?
Our Disability Lawyer Experts state that the answer is the disability insurance company hopes that by denying the long term disability claim they will force the claimant to return to work. The disability claim examiners have been trained to send all available medical records to their hired doctors and then adopt the opinion of the hired doctor. With some of the disability insurance companies, it appears that the claims examiner does not have the discretion to disagree with the hired doctor. While the claims examiner is the one that ultimately signs a denial letter, the claims examiner at most companies are really nothing more than paper facilitators seeking the opinions of hired doctors to the detriment of claimants. It is the Disability Attorneys Expert opinion that it is the Hired Insurance Company doctor that makes the decision to deny a long term disability claim. Hired insurance company doctors do not always determine that claimants are not disabled. The vast majority of hired insurance company doctors have no understanding of either a claimant’s occupation or definition of disability. The lack of knowledge and cursory reviews conducted by these hired insurance doctors create great opportunities for a claimant to obtain a claim reversal through either an appeal or law suit. Most disability companies will not have a claimant physically examined as they don’t have as much control over the doctors that actually do physical exams and the doctors that actually exam a claimant are compelled to conduct a thorough exam. The hired insurance doctors rarely conduct a thorough exam and often ignore medical records as they perform cursory medical exams and don’t really review the medical records. These careless medical exams give a claimant a good chance to win a reversal of a disability denial. If your long term disability claim has been denied or you have reason to believe that it may be denied, then please contact any of our long term disability lawyers for a free consultation by phone at 770-865-8654 or 813-363-6664; by email at email@example.com; or by the Contact Page on this website.
Can a long-term disability insurance company claim an over payment once a claimant is approved for social security disability income benefits?
Most group long-term disability policies contain a deductible source of income provision. It is very rare to see an individual long-term disability policy with a social security offset. A deductible source of income is also known as an offset. Social Security Disability Income benefits (SSDI) are almost always considered a deductible source of income. SSDI is only one type of deductible source of income commonly found in group long-term disability policies. If a disability carrier has been paying you long-term disability benefits for 20 months and you get awarded SSDI benefits which are retroactive to 15 months prior, then your disability carrier will claim that you were overpaid for 15 of the past 20 months and you must pay the retroactive SSDI award to your long-term disability carrier. In addition, each month moving forward, your disability carrier will reduce your monthly benefit amount by the amount of your monthly SSDI check. For example, if SSDI is paying you $1,600 a month and your disability carrier was previously paying you $3,000 a month, then your long disability carrier will now only pay $1,400 a month. Essentially the United States government just saved the disability insurance company $1,600 a month. As a general rule, it is a good idea that if you are approved for SSDI to not spend their retroactive award of disability benefits as their disability carrier will be asking them to turn over the full amount.
Can a disability company sue me to recover an SSDI overpayment?
For example: Daniel signs Reimbursement Agreement to repay Unum any overpayments. Daniel’s claim for LTD benefits was approved on May 16, 2005, effective May 1. Upon approval, Daniel received a letter from Unum informing him that any SSDI benefits would be subtracted from his monthly LTD benefits. On July 15, 2005, Daniel signed the Reimbursement Agreement stating his intention to accept the full amount of LTD benefits and later repay any overpayments. By selecting that option, Daniel agreed to “reimburse [Unum] any such overpayment within thirty (30) days of his receipt of such funds.” In March 2009, Unum received notice that Daniel was approved for SSDI benefits, retroactive to October 2005. Unum then determined that Daniel’s receipt of SSDI benefits resulted in an overpayment of LTD in the amount of $77,900 and after advising Daniel of this overpayment and pursuant to the Reimbursement Agreement, Unum began holding a portion of his monthly LTD benefit to recoup the overpayment.
Unum sues to recover overpayment. When Daniel reached the maximum benefits period under the policy, Unum could no longer deduct monthly benefits to recover the overpayment, the balance of which was then $65, 848.40, and Unum sued Daniel in the Georgia Federal Court to recover the amount in addition to attorney fees and the costs of litigation. The court entered a judgment in favor of Unum requiring Daniel to pay the nearly $66,000 plus the costs of the litigation.
Why consider a lump-sum buyout of your disability insurance policy?
If you already are on long term disability, and you’re looking for a lump sum buyout, there are multiple reasons to consider a lump sum buyout. No.1 and probably the most important reason is security, and that means security for your family. With long term disability policies, there are no rights to survivorship, meaning, it’s not like a life insurance policy where God forbid, if something were to happen to you, these benefits will continue to be paid. Many people who consider a lump sum buyout do it because they want to guarantee for their family that they are going to get a stream of payment for the next 10 or 15 years in the event that something were to happen to them. The other reason that people consider buyouts is that they are sick and tired of dealing with the disability insurance companies and they know that if they sever the relationship, they are free to do whatever they want, they don’t have to be accountable to the disability company, they don’t have to worry that any moment the disability company could decide to deny their benefits.
Can a disability insurance company conduct video surveillance of a claimant whenever and wherever they want?
The answer is, they can do video surveillance, absolutely, they can do it as part of their investigation into your claim. Now, there’s obviously certain places they can’t do it. They just can’t come into your home and do video surveillance there or come into your business and do video surveillance there without you knowing it and that would surely have some invasion of privacy rights there. But if you are out in the general public, they can definitely get you on camera.
And, I think usually they are obviously going to do it secretively?
They try. I know I had a case where this insurance carrier has contracted these investigators as they are usually not in-house people and employees of the company. They go out to private investigators who are familiar with doing disability video surveillance, so they contract them. And these two particular investigators were performing a surveillance of my client, my client went into his wife’s business for lunch with her and she happened to own a gym pilates business and all of a sudden the investigators, I think wanting to capture something not knowing what he was going in there for, really wanting capture something that was favorable to their investigation, followed him in there and started questioning his wife who was the owner of the business. This scared my clients, they got fearful, they went out and happened to see a couple of police officers. They asked them who these gentlemen were after they exited. They were still parked in the parking lot. The officer approached them and found out that they were from the insurance company and they were performing video surveillance on him.And, was there anything illegal about what the surveillance person was doing? There wasn’t anything necessarily illegal, because she operates a business and anyone can walk in and out of the door. They did not stay there after they shocked my clients. I don’t think there was anything illegal per say. I think it was definitely unusual because investigators are usually a little more discrete than that. I think we all agree that they can basically do this video surveillance just about anywhere they want except for in the person’s home. It’s kind of what we discuss as reasonable expectation of privacy and you should also be aware that there has recently been a case where an attorney filed a lawsuit because the person was under video surveillance in a church. And the lawyer tried to argue – well, I was in church and no...
Can a disability insurance company claim an overpayment for social security disability benefits payable to a child as result of the parent’s disability?
Our disability lawyers are contacted on a weekly basis with this exact question. The short answer is that most disability insurance policies contain language that allows a disability company to setoff your monthly disability insurance check by the amount both you and your children receive from Social Security as a result of your disability. Most disability insurance companies have drafted policy language in a manner that makes it very difficult to exclude child disability benefits from your monthly disability benefit check. There have been a few cases around the country in which courts have found that a disability carrier could not seek an overpayment for child social security disability benefits. In these rare cases, the policy language giving the disability company the right to seek an overpayment was not drafted clearly For example, you may want to review a Court Order in the case of Carstens v. United States Shoe Corporation’s Long-Term Benefits Disability Plan, (N.D. Calif., Oct. 31). While this case did not allow the disability company to offset child benefits, the policy language was different than the majority of group disability insurance policies. The Cartsens case also discusses many of the other disability cases around the country that dealt with the same issue.
In addition to Carstens, a similar ruling was issued by the Illinois Appellate Court. In Meeks v. Mutual of Omaha Insurance Co., 70 Ill.App.3d 800, 802, 388 N.E.2d 1362, 1363 (3d Dist. 1979), the court disallowed an insurer’s deduction of benefits awarded to the dependent of a Social Security disability benefits recipient. There are unfortunately numerous cases which establish that a disability carrier can seek overpayment for all social security disability benefits payable. Two of the most quoted United States Federal Court Of Appeals cases are Anweiler v. Aetna and Godwin v. Sunlife. Neither of these cases specifically discussed child disability benefits.In any disability claim, a disability claimant should retain a disability insurance lawyer to specifically review the applicable policy language regarding an offset for child social security dependent benefits.
Insurance Companies our Affiliates have Defeated for Clients' Disability Benefits
(in alphabetical order)*
Assurity Life Insurance
Greater-West Life Assurance
HM Life Insurance
Lloyds of London
Mass Mutual Financial Group
Monarch Life Insurance
Mutual of Omaha
New York Life Insurance
Principle Financial Group
*Each week I will report in Google Plus information that we have knowledge about each insurance company (approximately 3 insurance companies/day until the list is complete, and we will add as necessary to keep you, the consumer, informed).
U.S. State Insurance Regulators
Each state in the United States has their own department of insurance responsible for the regulation of disability insurance companies. In order for a company to sell insurance products in a particular state, they must be registered with the department of insurance in each state. Most states have investigatory divisions that will monitor and enforce the regulations applicable to each insurance company. The list below is the contact information for each department of insurance and the number of insurance companies licensed in each state. There is no guarantee that the department of insurance will respond to your inquiry.
U.S. STATE INSURANCE REGULATORS
Alabama Department of Insurance
Total Insurers: 1,547
Alaska Division of Insurance
Total Insurers: 743
Arizona Department of Insurance
Total Insurers: 1,945
Arkansas Department of Insurance
Total Insurers: 1,577
California Department of Insurance
Total Insurers: 1,332
Colorado Division of Insurance
Total Insurers: 1,500
Connecticut Insurance Department
Total Insurers: 1,297
Delaware Department of Insurance
Total Insurers: 1,479
Florida Office of Insurance Regulation
Total Insurers: 2,545
Georgia Department of Insurance
Total Insurers: 1,657
Hawaii Insurance Division
Total Insurers: 1,212
Idaho Department of Insurance
Total Insurers: 1,466
Illinois Department of Insurance
Total Insurers: 1,795
Indiana Department of Insurance
Total Insurers: 1,815
Iowa Division of Insurance
Total Insurers: 1,611
Kansas Department of Insurance
Total Insurers: 1,682
Kentucky Department of Insurance
Total Insurers: 1,652
Louisiana Department of Insurance
Total Insurers: 1,597
Maine Bureau of Insurance
Total Insurers: 1,106
Maryland Insurance Administration Commissioner
Total Insurers: 1,525
Massachusetts Division of Insurance
Total Insurers: 1,274
Michigan Department of Labor and Economic Growth
Total Insurers: 1,658
Minnesota Department of Commerce
Total Insurers: 1,509
Mississippi Insurance Department
Total Insurers: 1,562
Missouri Department of Insurance
Financial Institutions & Professional Registration
Total Insurers: 1,704
Montana State Auditor’s Office
Total Insurers: 1,506
Nebraska Department of Insurance
Total Insurers: 1,560
Nevada Division of Insurance
Total Insurers: 1,803
New Hampshire Insurance Department
Total Insurers: 1,019
New Jersey Department of Banking & Insurance
Total Insurers: 1,338
New Mexico Department of Insurance
Total Insurers: 1,357
New York Department of Insurance
Total Insurers: 1,675
North Carolina Department of Insurance
Total Insurers: 1,435
North Dakota Department of Insurance
Total Insurers: 1,426
Ohio Department of Insurance
Total Insurers: 1,770
Oklahoma Department of Insurance
Total Insurers: 1,584
Oregon Insurance Division
Total Insurers: 1,532
Pennsylvania Insurance Department
Total Insurers: 1,822
Puerto Rico Office of the Commissioner of Insurance
Rhode Island Division of Insurance
Total Insurers: 1,265
South Carolina Department of Insurance
Total Insurers: 1,887
South Dakota Division of Insurance
Total Insurers: 1,439
Tennessee Department of Commerce & Insurance
Total Insurers: 1,594
Texas Department of Insurance
Total Insurers: 2,030
U.S. Virgin Islands Southeastern Zone
Department Of Banking and Insurance
Utah Department of Insurance
Total Insurers: 1,779
Vermont Department of Banking, Insurance,
Securities and Health Care Administration
Total Insurers: 1,583
Virginia State Corporation
Commission Bureau of Insurance
Total Insurers: 1,719
The Washington State Office of the Insurance Commissioner
Total Insurers: 1,475
Washington D.C. Department of
Insurance, Securities and Banking
Total Insurers: 1,456
West Virginia Offices of
the Insurance Commissioner
Total Insurers: 1,394
Wisconsin Department of Insurance
Total Insurers: 2,014
Wyoming Department of Insurance
Total Insurers: 1,424
The following is a list of medical conditions that commonly result in a individual filing for long term disability insurance benefits. Some are physical conditions and some are mental illnesses. This list does not include all of the illnesses that can limit a person's ability to perform their job. Our Disability Attorneys are available to provide you with a free consultation regarding your claim for long-term disability benefits so call us at 770-865-8654 or 813-363-6664; by email at firstname.lastname@example.org; or by the Contact Form on this website.
Anxiety / Depression
Carpal Tunnel Syndrome
Chronic Fatigue Syndrome
Headaches and Migraines
HIV / AIDS
Post Traumatic Stress Disorder
RSD / Complex Regional Pain Syndrome
Substance Abuse Disorder
Neck / Cervical Disorders
Post Traumatic Stress Disorder
RSD / Complex Regional Pain Syndrome
Neck / Cervical Disorders
Substance Abuse Disorder
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