I’ve spent my entire legal career representing claimants from all over the nation against all major disability insurance companies.
You need skilled representation on your side to properly handle your claim. I strive to secure the best outcome for you and your family.
I conduct a thorough assessment of your unique situation, giving you personalized guidance every step of the way.
I’ve always been driven to help others find peace of mind. After graduating from Florida State University with a dual BA in International Affairs and Spanish and a minor in Business Administration, I decided to attend law school. There, while interning with one of the country’s largest firms focusing on disability insurance law, my interest was sparked.
HOW LONG DOES IT TAKE?
The lump sum is usually a single payment, but may also be disbursed in several installments. It can be offered at any stage of the claim because every claim is unique with varying sets of circumstances.
WHICH FACTORS PLAY A VITAL ROLE?
Your age and life expectancy, as well as your financial plans for the future, play crucial roles in whether you should accept the buyout.
HOW DO SETTLEMENTS VARY?
Every situation is different. Buyouts vary in terms of their taxable status, their present value, and how reasonable the offer is in general. It’s never a good idea to make these decisions on your own.
If you have a long-term disability, your disability insurance policy provides you with a monthly income, constituting a physical and emotional lifeline for you and your family.
The insurance company may offer you a one-time lump sum to ‘buy out’ your claim, ceasing the monthly payments. Consult an experienced, dedicated long-term individual disability attorney to fully grasp what is at stake in the offer.
Attorney Peña was courteous, knowledgeable, swift, professional and understanding. It helped that he was polite and understanding of my health issues as I have a backwards sleep schedule. He communicated with me through email, text and calls. That was very convenient. He also had connections with the people at the insurance company, so once I did my part in electronically signing what I needed to he expediently returned with a higher offer.
I thoroughly researched all things related to my case and was pleasantly surprised with the amount of information I was able to gather. Many of my concerns were answered by Victor Pena’s very detailed and informative website. His experience and chosen area of focus brought comfort to my predicament.
Victor Pena is wonderful! He settled for me in no time at all and I'm forever grateful to him. He is very professional and understands his clients needs, and what we've been through, so I would highly recommend giving him a call if you're in need of his legal help. Victor was sent by an angel and I'll never forget what he did for me and my family. Thanks Attorney Pena!!!!🌻
I've been working with Victor Peña for several weeks now and I am very impressed with how friendly, professional, and responsive he is. Even though we live on opposite sides of the U.S., we are able to exchange documents, have phone conversations, exchange emails, and get work down as if he is in the next room. I highly recommend him!
If you’re considering a disability insurance buyout, you are probably aware of the far-reaching implications. That’s why I offer you a truly collaborative approach at every stage of the journey, working for you and with you to seek a favorable result.
When it comes to insurance companies and disability insurance buyouts, professionalism is key. From reviewing your disability policy to negotiating with your insurance company on your behalf, you need someone with experience and verve to take the helm. When it comes to your long-term health and finances, nothing is more important.
When we’re working together to seek a favorable outcome, it’s important to me to stand in your corner. Insurance companies can come off as harsh and demanding, especially when negotiation is on the table. It’s easy to get lost as just another number. I know that friendliness and courtesy go a long way to make my clients feel at ease, so I proudly strive to provide excellent, prompt, caring service to each person I work with.
In my firm, we work as a team. I started Victor Peña Law PLLC so that I could listen to your story and hear your needs, crafting realistic guidance based on your situation. My growing network of advisors, financial and legal, assist me in my client-centered approach. I am accessible nationwide for your disability insurance needs.
According to a survey by the Council of Disability Awareness (CDA), only two percent or less of today’s workers believe they have a chance of being disabled and unable to work for more than three months during their career. In fact, for someone entering the workforce today, the odds of sustaining such a disability is actually 25 percent.
Many of the most prominent disability insurers who provide both types of policies include Hartford, Unum, MetLife, Cigna, and Lincoln National. There are differences, however, between employer-sponsored and private policies when it comes to the claims and appeals process, as well as tax implications.
