Dell Disability Lawyers Successfully Appeals Denial Of Benefits To Former Excel Energy Employee
Ms. H contacted our firm following her receipt of a letter from her disability carrier, Hartford, terminating her disability claim after being paid disability benefits for nearly 8 years. Ms. H had been receiving long term disability (LTD) benefits since 2008 due to Severe Major Depression, Major Depressive Affective Disorder and a panic disorder. Before going on disability, Ms. H had worked as a Case Specialist for 15 years.
Throughout the entirety of her claim with Hartford, Ms. H’s treating physicians had consistently supported that Ms. H remained unable to work as a result of her medical conditions. Her medical conditions caused Ms. H to suffer debilitating symptoms including lack of energy, lack of motivation, on and off suicidal ideation, isolation, crying episodes, irritability, anxiousness, compulsive eating habits, and no motivation to socialize in addition to a number of other symptoms.
Despite the overwhelming support of Ms. H’s treating physicians, Hartford hired a physician to perform a peer review of Ms. H’s medical file. According to the peer reviewer, the treatment records of Ms. H’s psychiatrist and therapist did not support a psychiatric impairment. Ms. H’s psychiatrist disagreed with Hartford’s peer reviewer but Hartford chose to rely on the solitary opinion of its peer review physician, which supported its decision to terminate Ms. H’s benefits, and to disregard and ignore the opinions of Ms. H’s treating physicians, which remained consistent throughout the history of her 8 year claim.
Appeal by Dell Disability Lawyers on behalf of Ms. H
We went over Ms. H’s claim and agreed to take on her case. After reviewing the claim file from Hartford it became apparent that Hartford’s decision had been founded on an inadequate review by its peer reviewer, Dr. John Zincone. According to Dr. Zincone, there was a lack of information documented by Ms. H’s treating physicians. Moreover, Dr. Zincone attempted to attack Ms. H’s credibility despite never having examined her or even spoken with her. Dr. Zincone failed to acknowledge the fact that Ms. H’s treating physicians had been treating Ms. H for over 10 years. Ms. H’s treating physicians were therefore in a better position to assess Ms. H and make credibility determinations regarding the accuracy of her symptom reporting yet none of Ms. H’s treating physicians had ever shown any reason to question Ms. H’s symptom reports.
Ms. H’s appeal pointed out the errors in Hartford’s review and highlighted the support in Ms. H’s medical file including objective exam findings which supported Ms. H’s inability to perform in any occupation. The appeal stressed the fact that Hartford had failed to perform an in person examination of Ms. H yet relied on a doctor’s opinion that made a credibility assessment of Ms. H without the doctor seeing her even once.
Following the appeal submission, Hartford recognized its error and agreed to overturn its denial and reinstate Ms. H’s disability claim. Hartford has issued a check for all back benefits owed and with the help of Dell Disability Lawyers Ms. H will have the best chances of staying on claim for as long as she needs to.
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Very satisfied with the work of this team. Took well care of my case and took all the necessary time to be responsive and attentive when I had questions. Guided me through recovery and returning to normalcy. All thanks to Jason & Tabitha, thank you!
I’m extremely satisfied with the experience I have had with this firm from day one. The lawyer who has handled my case, Alex, is very efficient and attentive to all my questions and concerns. They are always aware of how my case has gone and they care about my health. I feel optimistic with them because they are very attentive during the process of my claim. I would not hesitate to recommend families and friends if in any situation they need their services. Kathleen as well has been very well and assisted me with this case. I highly appreciate everything they have done for me.
It’s unfortunate when disability insurance companies come after older disabled policyholders just to help their bottom line. It can be a living nightmare the damage they can do to a family. Dell Disability Lawyers are polite, understanding and knowledgeable. They call you back and answer any question you have no matter how unimportant it can be. The amount of stress they took off of myself and family was incalculable. I recommend them highly to take care of any disability case whether it be filing for benefits or reversing a claim decision. They are outstanding.
I could not have been happier or more appreciative of the hard work they performed on my behalf. I was well briefed on my case and it was closed in a timely manner with a financially successful resolution.
Mr. Symonds and Sonia as well as everyone else we have worked with throughout this process have been very helpful, professional and caring to our situation. We are very thankful to have this great team on our side.
Without them my LTD company was dropping my plan with me still suffering from my accident, even with doctor’s statements I’m still disabled. The LTD company didn’t want to advance my policy to the next stage of years of pay. Dell Disability Lawyers saved my policy, and helped to enforce the LTD company’s own policy (for its policy holder, me) that I would be covered still under the LTD policy I had paid for at my previous job, when my accident occurred. These lawyers know what they are doing and can help you too. LTD companies will try to drop you when you still need coverage just because they don’t want to pay on your policy anymore. Don’t let them break contract with ya because they are trying to get out of it. Hit em with legal action to ensure the continuation of your policy you paid for. Dell Disability worked very well for me and continue to do so.
I was denied long term disability benefits from The Hartford after being on it for years. I found Dell Disability Lawyers after doing research online. In a matter of days they responded and explained to me everything that would be done. Dell Disability Lawyers were able to settle my suit against The Hartford very quickly and responded to me quickly. I would definitely recommend this team of lawyers for anyone that is fighting for their disability insurance.
I have had nothing but a great experience with Dell Disability Law Firm. Mr. Alex Palamara and his team went above and beyond my expectations. They will respond to emails and phone calls in a timely manner. Thank you once again for taking my case.
This law firm is the best so far. MetLife denied me two times, they appealed two times for me and they won of course. So if you are on disability and want a chance at winning your case use this firm Dell disability lawyers, kind courteous understanding and they get the job done. You won’t be disappointed.