A Liberty Life Disability Benefit Denial is Reversed after ERISA Appeal filed by Attorney Alex Palamara of Dell Disability Lawyers
Previously employed as an Engineer for United Technologies Corporation, Ms. W was forced to leave work due to suffering a middle cerebral artery stroke in May 2011. In addition to the complications of her stroke, Ms. W also suffered with headaches, seizures, gastroesophageal Reflux Disease, insomnia, memory loss, dizziness, a mood disorder, depression and anxiety. Although Liberty Life initially paid long term disability benefits for a period of ten months, it decided to deny long term disability benefits beyond September 11, 2012.
Liberty Life Denies Continued Disability Benefits
In its denial letter of September 21, 2012, Liberty Life concluded that Ms. W “no longer met (the) Policy’s definition of disability beyond September 11, 2012” and closed her claim. In support of its decision, Liberty Life stated that it found that the “independent evaluation report concluded that there was no evidence to support cognitive impairment that would interfere with unrestricted functioning in (her) occupation on a full time basis, and that there was no evidence to support cognitive impairment secondary to side effects of medications.”
Within days of receiving this denial letter, Ms. W contacted Attorney Alexander Palamara at Dell Disability Lawyers for assistance in filing her ERISA Administrative Appeal.
Alex Palamara Files an LTD ERISA Appeal Against Liberty Life
After studying Ms. W’s medical documentation along with the claim file provided by Liberty Life, Attorney Alexander Palamara was able to find inconsistencies in Liberty Life’s “independent” evaluation report and its decision to deny benefits. Additionally, Ms. W and her attorney were armed with a plethora of supportive documentation from each of her treating physicians. Utilizing this information, an administrative appeal was timely filed on March 19, 2013. Within 30 days, Dell Disability Lawyers received a letter from Liberty Life dated April 16, 2013 which stated that Liberty Life had “completed (its) review of your request for reconsideration for Ms. W’s disability benefits, and have determined that benefits will be reinstated.” Liberty agreed with the contentions of Dell Disability Lawyers and reinstated Ms. W’s long term disability benefits. Soon thereafter Ms. W received all past due benefits owed to her and continues to receive her benefits each month. Alex Palamara stated, “I was really happy that we were able to get Ms. W’s long term disability benefits reinstated for her.”
If you have been denied by Liberty Life or any other disability insurance company, please do not delay and please contact Attorneys Dell Disability Lawyers for a free consultation and review of your claim.
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Gregory Dell and Stephen Jessup discuss their experience in handling Liberty Mutual claims at all stages
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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.