Our Resolved Disability Insurance Claims

Disability insurance attorney Alexander Palamara discusses the importance of continuing medical treatment throughout the duration of a disability insurance claim.In this case the claimant was denied LTD benefits by Liberty Mutual of NY within a few months of winning a prior disability claim denial.This denial was likely due to an aggressive claims examin...

A client of Dell Disability Lawyers contacted our firm after receiving a letter from her disability carrier terminating her claim after paying for 24 months. Life Insurance Company of North America, also known as Cigna, paid benefits recognizing a disability based on PTSD (Post Traumatic Stress Disorder). Ms. T, had been working as a transplant coordinator for 14 years and her job required her to deal with fam...

Our client, Mr. B, formerly worked as a Plumber for a fabrication and manufacturing company. In January 2016 a number of medical issues, including chronic low back pain, lumbar spine radiculopathy, bilateral facet hypertrophy, and sciatica, forced Mr. B to stop working and submit his claim for disability benefits, first under his employer’s short-term disability (STD) policy and then continuing under its lon...

The claimant is a 44 year old female who worked as a Campaign Delivery Director for American Express. She was forced to go out of work on disability on April 7, 2014, after being psychiatrically hospitalized due to the onset of severe symptoms of depression and anxiety. In addition to her behavioral health symptoms, she also suffers from chronic diffuse pain and had been diagnosed with Ehlers-Danlos syndrome (...

Before contacting our firm, our client had been out on disability since March of 2005. Prior to 2005, our client worked for Pinelawn Cemetery for 13 years as a Sales Counselor. Unfortunately, he was forced to stop working in March of 2005 due to various medical conditions including Chronic Pain Syndrome, Severe and Progressive Coronary Disease, neck pain, back pain, hip pain, etc. Thankfully, his employer prov...

After fighting for her disability benefits for over a year, Lincoln finally awarded benefits to our client following two levels of administrative appeal filed by Attorney Stephen Jessup. When our client first contacted our office she had been recently denied by Lincoln on the basis that the available medical information did not support a level of impairment that would prevent her from performing the material a...

Mr. M contacted our firm after receiving a letter from his disability insurer that he no longer qualified for disability benefits under his employer sponsored LTD plan. Cigna, also known as Life Insurance Company of North America (LINA), had paid disability benefits to Mr. M for two years due to his inability to work as a Process Operator for Formosa Plastics Corporation, USA. Mr. M suffers from a host of medi...

Our client, Mr. H, formerly worked as a CEO of an engineering services contractor. In February 2016 a number of medical issues, including Cardioembolic Stroke as well as associated cardiac and cognitive issues, forced Mr. H to stop working and submit his claim for disability benefits, first under his employer’s short-term disability (STD) policy and then continuing under its long-term disability (LTD) policy...

Our client, Ms. J, formerly worked as a Senior Manager of a treatment facility. In October 2016 a number of medical issues, including fibromyalgia, chronic pain syndrome, chronic fatigue and depression forced Ms. J to stop working and submit her claim for disability benefits, first under her employer's short-term disability (STD) policy and then continuing under its long-term disability (LTD) policy. The STD c...

Prior to contacting our office our client had been on disability with Standard due to Ulcerative Colitis and several other serious gastrointestinal conditions for the prior 36 months as Standard had determined she would not be able to perform the material and substantial duties of her prior occupation as an Office Manager. However, with the change in definition to the much maligned “any occupation” standar...

Most group employer sponsored ERISA disability policies pay disability benefits for a limited period of time if you are unable to perform the duties of your own or regular occupation. An own/regular occupation definition of disability is the most favorable to claimants when filing a disability claim. However, it is important to understand that “occupation” is not synonymous with “job” and when reviewin...

Ms. R contacted our firm after her claim for Long Term Disability (“LTD”) benefits was denied by Principal Life Insurance Company.Before becoming disabled, Ms. R worked as a Litigation Support Assistant for a large, busy law firm. Ms. R had been experiencing head pain for several years with the symptoms first appearing in August 2012 and gradually worsening over time. In July 2015 her symptoms became s...

Our client, Mr. W, formerly worked as a freight truck driver for a shipping company. In January 2015 a number of medical issues, including Diabetes as well as lung and kidney problems, forced Mr. W to stop working and submit his claim for disability benefits, first under his employer’s short-term disability (STD) policy and then continuing under its long-term disability (LTD) policy. Both benefits were funde...

Prior to disability Sam had a rewarding career as a software engineer for a large international corporation. Sam enjoyed solving complex problems for his employer through a language that few know as well as him, software engineering. Despite the love of for his job, Sam could not help but be affected by his battles with schizophrenia. For a long time it had been a constant struggle, but was more or less contro...

Prior to disability our client worked as a Warehouse Distribution Operations Manager for Home Depot, a job that not only required supervision of employees, but a significant amount of physical ability. However, a long fight with uncontrolled diabetes and severe diabetic neuropathy reached a point where he was no longer able to meet the physical demands of his occupation leaving him with little choice but to fi...

Our client, Ms. L, formerly worked as a National Account Manager for Delphi Financial Group, the parent company of Reliance Standard Insurance Company. In 2015, a number of medical issues, namely, chronic daily pain, sleep difficulties, fatigue and cognitive and memory impairments forced Ms. L to stop working and submit her claim for long-term disability benefits. In addition to these symptoms her doctors susp...

Prior to filing for disability our client worked as a Tugboat Captain on the Mississippi River, responsible for tugging large vessels in narrow waters to ensure the safety of the vessel, and also to prevent potential accidents and environmental disasters. However, due to loss of vision in his left eye, migraines and chronic back pain requiring use of narcotic medication that affected his ability to concentrate...

Prior to filing for disability our client worked as a Surgical Services Director for a large hospital system. Her occupation came with an incredible amount of responsibilities relating to the efficient and safe operation of the surgical department of a hospital- requiring her to not only have to be mentally alert, but also physically available on a moment’s notice throughout the hospital. This was a tall ord...

Like many disability claimants, our client’s experience in dealing with Sedgwick was less than a pleasurable experience. After finding himself unable to continue to perform the very physically demanding duties of his occupation as a Traveling Field Engineer for Avaya due to Chronic Pain stemming from multiple lumbar and thoracic spine conditions he filed a claim for short and long term disability benefits un...

At age 67 Mr. H continued to maintain the desire to work in his occupation as a circuits designer for wireless telecommunication giant, Qualcomm. Unfortunately, his career was cut short after suffering a bad fall resulting in a broken rib severely puncturing his lung. Due to complications, Mr. H was placed in a medically induced coma for 34 days. Making matters worse, while in the coma Mr. H contracted viral p...