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Illinois mutual is actually one of the oldest disability insurance companies in the entire country their history goes back about a hundred and one years to be exact now this company is based out of Peoria Illinois, and they have a headquarters where they have about 200 employees they do sell their disability insurance policies all throughout the country, and they have agents nationwide that sell their products now we've represented numerous clients that have Illinois mutual disability policies and the first thing that everyone you always asks us when they call us about an Illinois mutual policy is what's this company like, and I don't say this about a lot of companies, but Illinois mutual is actually one of the better companies if you're going to have a disability insurance policy and I think what I mean by better is that they seem to evaluate their claims reasonable most of the time, and they usually make the correct claim decision now one of the things about Illinois mutual that may allow them to make the right decision in most cases is the fact that there are a smaller company when you compare Illinois mutual to some of these bigger companies like a know more like Prudential or a MetLife or northwestern mutual those are multi-billion dollar companies that have tons and tons of claims and just don't take the proper amount of time in most cases to review a claim when from our experience when we represent claimants would Illinois mutual claims we find that for the most part they do take the time to review a policy to understand a persons occupation and to look at their medical it doesn't mean that they're still right on every single claim if they were to make a denial but from our experience the claimants that have come to us, we've had a very high approval rate for Illinois mutual claimants now even though Illinois mutual may be a company that's trying to do the right thing on a disability claim you can still find that there's a fair amount of disability claim denials because the claims' person from Illinois mutual who makes a decision to either approve or deny the claim is really not the one who's determining the restrictions and limitations of the claimant whoever Illinois mutual chooses or whatever third-party company they used to hire in order to determine what your restrictions limit Asians are you're going to get stuck with the decision of that doctor or that medical consultant or that nurse that they hire determining whether you are unable to perform the duties of your occupation or any occupation if that's your definition so if you have a claim at Illinois mutual you're considering filing a claim or your claim has been denied give us a call to discuss your claim send us a copy of your policy send us a copy of any communication you have from Illinois mutual if you've already engaged in the process of applying for benefits with them and well be happy to discuss your claim and let you know if there's a way that we could assist you
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