Our Resolved Disability Insurance Claims

Sun Life paid this claim for a year. Then it pulled the file, handed it to a registered nurse who had never met our client, and decided he had recovered enough to go back to work.Our client spent his career as an IT Specialist for Energy Transfer LP in Texas, holding the title of Principal Specialist and running the authentication and cloud infrastructure that a major ener...

New York Life looked at a job that meant hauling and installing heavy display equipment at client sites, climbing ladders, working trade show floors, and flying to international installations — and called it sedentary desk work. Our client was a Strategic Account Manager for Planar Systems, Inc. in Oregon, brought down by insulin-dependent Type 1 diabetes and the cascade of ...

New York Life paid this claim for more than five years — and then closed it on the strength of a single examination that never measured anything. Our client had worked as a Medical Technologist for Quest Diagnostics in Pennsylvania until a motor vehicle accident cost her the lower half of her right leg and left her with chronic pain, mobility loss, and a depression her injur...

MetLife paid our client's long-term disability benefits for nearly three years — and then decided he could go back to work, based on a report written by a doctor who never once laid eyes on him. Our client, a Sales Executive for Marriott Vacations Worldwide in Florida, had spent years and eight surgeries trying to rebuild a right shoulder that never healed, and he was still ...

Prudential agreed our client was too sick to work — and then decided, effective the very next day, that she was fine. Our client is a Private Client Banker for JPMorgan Chase in California. After the birth of her first child, she developed severe postpartum depression and anxiety that escalated into panic attacks, obsessive-compulsive symptoms, and an inability to function i...

New York Life paid our client's long-term disability (LTD) benefits for two years — then terminated them the instant the policy's definition of disability changed. Our client is a registered nurse in Indiana who stopped working because of long COVID, followed by a cascade of orthopedic, neurological, and systemic conditions that only deepened over time.We have seen this ...

Unum approved our client's long-term disability claim, paid it for months, and then terminated his benefits — while he was still receiving chemotherapy for terminal cancer. He was a senior Product Manager at M&T Bank Corporation in New York, and he had stopped working because of metastatic gastroesophageal cancer and the relentless side effects of the trea...

MetLife had been paying our client's long-term disability benefits for more than two years when it abruptly decided he was no longer disabled — on the strength of a report written by a doctor who never once examined him. Our client spent his career as an Order Filler and Stacker Crane Operator at Lapham-Hickey Steel in Illinois, a physically punishing job he c...

Prudential paid our client’s long-term disability benefits for two years — then terminated them the moment the policy’s definition of disability quietly changed. Our client had built her career as a medical device sales manager for Intuitive Surgical in North Carolina, selling the da Vinci surgical robotics system, until relentless vertigo, daily migraines, and a cascade...

Hartford paid our client's long-term disability benefits for roughly five years — and then took them away on the strength of a single nurse's file review. Our client had spent nearly two decades as a BMW technician for South Motor Company of Dade County. A failed hip replacement and worsening lumbar spine disease ended that career, and by the time Hartford terminated his ben...

A Certified Registered Nurse Anesthetist spends her entire career making split-second, life-or-death decisions in an operating room. After a COVID-19 infection left our client unable to trust her own memory and concentration, she did the responsible thing and stopped administering anesthesia. Unum paid her long-term disability benefits for nearly four years — and then abrupt...

MetLife paid our client's long-term disability benefits for nearly three years — then terminated them, claiming his file no longer proved he was disabled. Nothing about his condition had changed. Our client is a Senior Director of Software Engineering at Salesforce, and he lives in Arkansas. His chronic migraines are triggered by the very computer screens his ...

Hartford looked at a man who had survived four spine surgeries and concluded he could go back to "light duty work." Our client flew commercial aircraft for ConocoPhillips out of Alaska, and degenerative disc disease, chronic radiculopathy, and a string of related spinal and neurological conditions had left him unable to sit for more than about thirty minutes at a stretch — a...

Prudential paid this claim for months — and then cut it off. Our client, a Supply Chain Analyst for Ericsson in Texas, had survived a hemorrhagic stroke that required emergency brain surgery and left her with lasting weakness in her dominant hand, neurological deficits, and serious psychiatric conditions. Prudential decided she could return to a high-pressure ...

Prudential paid our client's long-term disability benefits for two full years — then cut them off the moment the policy's definition of disability was about to get harder to meet. He is a United Airlines ramp serviceman from Illinois who stopped working because of primary progressive multiple sclerosis and the cascade of neurological problems that came with it...

Hartford denied long-term disability benefits to a registered nurse with a traumatic brain injury — a Hartford long-term disability denial built on the claim that there was no evidence of cognitive impairment, even though Hartford never required or obtained neuropsychological testing. Our client, a Clinical Review Coordinator at UnitedHealth Group in Florida, ...

Lincoln Financial terminated our client's long-term disability benefits at the 24-month mark — after two full years of agreeing he was too disabled to perform his own sedentary occupation as a Human Resources Advisor at Hitachi America in Florida. Our client suffers from cardiac stent stenosis and multiple spinal and neurological conditions, including cervical...

MetLife terminated our client's long-term disability benefits — despite her own treating psychiatrist confirming she could not work full time, part time, or in any modified work environment. MetLife's hired reviewer simply disagreed, and that was enough for MetLife to cut her off.Our client was a Senior Technical Product Manager at Visa Inc. in Florida, di...

Unum terminated our client's long-term disability benefits after paying them for nearly three years — not because his medical condition improved, but because the definition of disability in his policy changed. That decision was wrong, and we proved it.Our client, a Virginia service supervisor for Cummins, had been out of work since suffering a heart attack...

MetLife terminated our client's long-term disability benefits — not once, but twice — despite overwhelming medical evidence that she was too physically impaired to work. Our client, a Team Leader for American Express in Florida, had been forced to stop working due to high-output congestive heart failure, chronic bilateral lymphedema, and a constellation of s...