AXA Equitable and DMS Approve LTD Benefits for Litigation Attorney with ADHD & Bi-Polar
A successful commercial litigation and trial attorney contacted disability insurance attorney Gregory Dell to seek assistance with filing a long term disability benefit claim with AXA Equitable Life Insurance Company. Our client was in his late 40’s and he had purchased his disability insurance coverage from AXA Equitable Life more than 10 years before he became disabled. Like many business professionals, our client had been struggling for many years with his disability, yet he continued to try to work through his condition of Attention Deficit Hyperactivity Disorder (ADHD) and Bi-Polar. Prior to filing for disability he had been treating with multiple psychiatrist and psychologist on and off for approximately 4 years. Our client was earning in excess of $250,000 annually and had no interest in giving up his career as a litigation attorney. Unfortunately, as the daily errors and inability to get his daily tasks completed began to multiply, he realized that he was no longer able to perform the duties of a commercial litigation attorney.
Definition of Disability and Occupation Duties of a Litigation Attorney
Fortunately our client had purchased an own occupation disability policy that defined total disability as “your inability due to sickness or injury to engage in the substantial and material duties of your occupation“. Our client’s typical work week was 50-60 hours and his substantial and material duties included: conducting discovery, drafting pleadings and motions, attending depositions and court hearings, numerous phone conferences with clients and opposing counsel, preparing Summary Judgment and numerous other motions, trial preparation, legal research, daily travel out of the office to attend court hearings, depositions, mediations or client meetings. Our client was billing over 1,500 hours annually and was involved in multiple active lawsuits at any given time.
AXA Equitable and Disability Management Services (“DMS”) Question Client’s Disability
Disability Management Services Inc. (“DMS”) is a third party administrator that administers all aspects of AXA Equitable long term disability insurance claims. Our law firm has handled hundreds of claims that have been administered by DMS. Despite medical support from our client’s treating physicians, DMS and AXA Equitable required that our client undergo a neuropsychological evaluation and psychological evaluation in order to independently verify his restrictions and limitations. It is unusual to have an IME exam performed prior to claim approval, but DMS was questioning how our client continued to work through his years of suffering. We demanded that the IME exams be videotaped and that copies of the IME reports be sent to our client’s treating physicians for review and comment. We also clarified the scope of the testing prior to allowing our client to submit for any testing. It is unfortunate that we often see disability companies that will question the seriousness of a claimant’s disability because he or she tried to continue working with disabling condition. Disability claimants need to be careful about how long they continue to work while claiming that they are limited by a medical condition. In our client’s case the doctors hired by the insurance company actually agreed with the finding of our client’s doctors. Since our client has an own occupation disability policy he has been able to work in alternative jobs that do not require performance of the same substantial and material duties of a commercial litigation attorney. While working in alternative jobs, our client can collect his full monthly disability benefit and whatever additional income he is able to earn. We continue to monitor and manage our clients AXA disability claim on a monthly basis.
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Policy Holder Rating
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They will do anything to not approve your claim
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Don't trust them, they like to play games
Lyme Disease Disability Claim Denial
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Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company
Disability Benefit Denial Reason #3 - Video & Social Media Surveillance
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Disability Denial Reason #2 - Change of Disability Definition & Vocational Review
Disability Denial Reason #1 – Paper Review & IME
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5 Ways We Help Get Your Benefits Paid
Our goal is to get your application for disability insurance benefits approved. Applying for disability insurance benefits can be a difficult process and the information you provide is critical. Most disability insurance companies look at your application in hopes of finding a reason to deny your claim. Your disability company will ask you to complete numerous forms, interview you, request lots of information, speak with your doctors and possibly request to have you examined by their hired gun doctor.
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98% of the disability insurance lawsuits filed by our law firm have resulted in either the payment of benefits or a lump-sum settlement agreement. Our disability insurance attorneys have filed ERISA governed and private policy long term disability insurance lawsuits against every major disability insurance company in state and federal courts nationwide and we love fighting for the little guy against the multi-billion dollar insurance company giants.
We have recovered hundreds of millions of dollars for our clients and we would like the opportunity to provide you with a free review of your disability benefit denial. There are many complex factors in a disability benefit lawsuit and the legal battle to win long term disability benefits can be fierce.
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Our disability insurance law firm offers a reasonable flat fee monthly claim handling service in which we handle every aspect of your long-term disability claim and do whatever it takes to make sure you are paid every month.
Let's discuss if a lump-sum settlement or buyout of your disability insurance claim is both available and makes financial sense for you. Our disability insurance lawyers have negotiated more than five-hundred million dollars in disability insurance buyouts and we know how to get you a maximum settlement. A disability insurance company is not required to offer a buyout and not every disability company offers them.
Questions About Hiring Us
We are disability insurance attorneys that know how to get your short or long term disability benefits paid. As a nationwide law firm we have helped thousands of disability insurance claimants throughout the United States to collect hundreds of millions of dollars of disability insurance benefits from every major disability insurance company.
Our attorneys have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement in more than 98% of our cases. Our disability insurance lawyers have seen it all when it comes to disability insurance claims and we know exactly what it takes for your disability claim to be approved.
We offer disability insurance attorney representation nationwide and we welcome you to contact any of our LTD lawyers for a free immediate review of your disability claim. We also invite you to visit and subscribe to our YouTube channel where we have more than 900 videos and regularly provide tips to help protect your disability benefits.
Our disability insurance attorneys help individuals that have either purchased a long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer. We have helped individuals in almost every type of occupation with monthly disability benefit payments ranging from $1,500 to $50,000.
Our clients include all types of employees ranging from retail associates, sales representatives, government employees, police officers, teachers, janitors, nurses, pilots, truck drivers, financial advisors, doctors, dentists, veterinarians, lawyers, consultants, IT professionals, engineers, professional athletes, business owners, and high level executives.
A strong understanding and presentation of the duties of your occupation is essential for securing disability insurance benefits.
Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability insurance lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.
Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.
The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.
In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.
No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via phone, email, fax, or video conferencing sessions. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.
When you call us during normal business hours you will immediately speak with a disability insurance attorney. We can be reached at 800-698-9159 or by email. Lawyers and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.