Former government bond trader and 9-11 survivor receives more than one million dollars in long-term disability benefits
Prior to September 11, 2001 our client, Mr. B, was a government securities repo trader. His office was located on the 26th Floor of Tower 1 of the World Trade Center. On the morning of September 11, 2001, Mr. B reported to work at his brokerage firm and started his day buying and selling government securities for his commercial clients, institutions such as Bank of Tokyo and Lehman Brothers. At around 8:45 a.m., Mr. B and his co-workers heard a loud explosion and felt the building shake, ceiling tiles began falling in Mr. B’s office and thick smoke filled the hallways and stairwells. Fifty minutes later, after descending 26 floors of smoke, heat, and chaos, Mr. B was out of Tower 1. Mr. B’s life was forever changed that day and nightmares of his escape would haunt him for years.
Mr. B, like many of his co-workers, returned to work, this time across the river in New Jersey with an unobstructed view of the altered New York City skyline. For two years following September 11th, Mr. B reported for work despite battling daily depression and severe anxiety resulting from Post Traumatic Stress Disorder. He was no longer the same person. Mr. B’s medical condition made it difficult for him to work. The nightmares were daily and he was finding it impossible to effectively perform his job duties in the high stress and cut throat trading pit in which he worked. Mr. B sought help from mental health experts, but despite his treatment, his symptoms continued to worsen to the point that he was forced to stop working and file for long-term disability benefits with his disability insurance carrier. Mr. B had purchased his long-term disability policy from his insurance agent approximately 10 years prior to his date of disability.
In 2003, upon review of the abundance of medical support from his therapist and treating psychiatrist, his disability insurer determined Mr. B was totally disabled and began paying benefits. For approximately three years, Mr. B’s long-term disability insurance carrier paid him without any problems. Shortly thereafter, Mr. B’s disability insurer began questioning the extent of his limitations and restrictions. It was at this point that Mr. B hired Dell Disability Lawyers to assist him in dealing with the various requests which were being made by his disability insurance company.
Mr. B’s disability carrier requested that he undergo an independent medical examination. Not long after the IME the insurer terminated Mr. B’s benefits relying greatly on the opinion of the insurance company’s hired independent psychiatrist and claiming that Mr. B was at best partially disabled but since he was not gainfully employed – a requisite to being partially disabled under Mr. B’s disability policy – he was not eligible to receive partial disability benefits.
In 2006, Dell Disability Lawyers appealed the denial of benefits with the disability insurer and successfully had the denial overturned. The disability carrier continued to pay total disability benefits for another 2 years, however, in late 2008 the disability carrier sought the opinion of the same independent psychiatrist and again found cause to terminate benefits. Attorneys Cesar Gavidia and Gregory Dell began preparing the case for litigation. Prior to filing suit, the parties agreed to participate in mediation as a method of attempting to resolve the dispute. Mediation took place in New York City where the parties were able to successfully reach a confidential settlement which involved a complete lump-sum buyout of Mr. B’s long-term disability policy.
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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.