Veterinarian Wins LTD Insurance Settlement for Fibromyalgia
Our Client, a veterinarian, suffering from fibromyalgia was was receiving long-term disability benefits for 9 years, when his disability carrier decided to stop paying him. Not only did his carrier decide to stop paying, but they sued him in Federal Court for 9 months of back benefits that they paid under a reservaton of rights.
In response to the Carriers unreasonable actions, we filed a counter-suit for breach of contract and demanded reinstatement of the policy. The carrier agreed that our client was suffering from Fibromyalgia, however the carrier felt that the our client could return to work after nine years and practice as a full-time Veterinarian.
After several months of litigation and depositions of our client, his treating physicians, the carrier’s doctors, the insurance carrier’s claim handler, and the carrier’s director of disability income claim, the insurance carrier entered into a confidential lump-sum buyout agreement with our client.
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Mutual of Omaha
DENIED PRE-EXISTING
I filed a claim with Mutual of Omaha because I had a hip replacement surgery. My family doctor referred me to an orthopedic surgeon. Mutual of Omaha denied my claim saying...
Hartford
Total INCOMPETENCE!!!
They don't answer or return calls... lack of communication... unorganized... takes 3-4 weeks after approval to recieve a check... they mail checks on a friday... mailed me...
Lincoln Financial
Not getting paid on time
From the very start they have not tried to work with me at all. So I went out for a knee surgery and it took a month and a half to get my first check. When I had turned al...
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Why Must Your Disability Insurance Lawyer Understand Your Disabling Condition?
When it comes to securing your disability insurance benefits, it's vitally important that your disability insurance lawyer thoroughly understands the symptoms and impact of your disabling condition. Doctors can help you create strong medical records, but they're not accustomed to dealing with the rigorous documentation disability insurance companies require. Lea...
Disability Benefit Denial Reason #5 – Your Medical Evidence is Weak
If you're seeking long term disability benefits from an insurance company, you may be concerned that you're facing an uphill battle. Fortunately, the stronger your medical evidence, the greater the odds that your claim will be approved. On the other side of the coin, one of the most common reasons for denial of long term disability benefits involves too-weak med...
Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company
When you're seeking disability insurance benefits, your medical records and treating physician's statement are two of the most important components of your claim. But because the insurance company has a vested interest in denying your disability insurance claim, it often will rely on tactics like ambushing your doctor with a phone call in an attempt to get them ...
Disability Benefit Denial Reason #3 - Video & Social Media Surveillance
One thing many disability insurance claimants don't know about (or expect) from the claims review process involves video and social media surveillance. Disability insurance carriers often hire people to follow claimants around with a telephoto lens - or even send social media friend requests from fake accounts - to glean whatever information they can about the c...
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Lincoln Financial Disability Denial Reversed For Project Manager With Cardiac Condition
Lincoln Financial terminated long-term disability benefits for a North Carolina Hitachi Energy project manager after more than three years of payments — cutting him off precisely when the policy definition shifted from own occupation to any occupation. Our client had suffered a heart attack, required coronary stent placement and a pericardial window procedure,...
Commercial Real Estate Agent with Lyme Wins Northwestern Mutual Appeal
Northwestern Mutual denied a self-employed Texas commercial real estate agent's long-term disability claim by farming his file out to four separate paper reviewers — and then denied it a second time after his treating doctors disagreed. None of those reviewers ever examined him. None of them treated Lyme disease.Our client had spent years building a succes...
ERG International Customer Service Rep Wins Two MetLife Disability Appeals
MetLife denied our client's long-term disability claim twice in less than two years — both times by relying on a non-examining psychiatrist who never laid eyes on her, and both times by ignoring the lupus, connective-tissue disease, and joint hypermobility that were independently destroying her ability to work.Our client is a Texas customer service represe...
Hartford Denies Republic Services Truck Driver's Disability Benefits
Hartford terminated long-term disability benefits to a commercial driver who had survived two ventricular fibrillation cardiac arrests, lived with a permanently implanted defibrillator, and was federally barred from ever holding a CDL again. Hartford's stated reason was that the loss of his commercial driver's license, by itself, did not make him disabled.Ou...
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