Our Resolved Disability Insurance Claims

Mr. P was employed with Kemper Corporation ("Kemper") when he was diagnosed with severe coronary artery disease and was forced to undergo a quintuple bypass surgery, leading to his total disability and complete inability from performing the material duties of his occupation as an insurance sales manager. Kemper insured all of its full-time employees, including Mr. P, under a group long-term disability insuranc...

Pre-disability and initial disability claimOur client contacted us for assistance with her claim against Liberty Mutual after receiving a denial of her Long Term Disability ("LTD") benefits. Ms. M had been working as an inventory control specialist with her employer until June 2014 when her doctor advised her to stop working due to various medical conditions including pseudoarthrosis, post-laminectomy synd...

Mr. S was working as a certified public accountant (CPA) when he purchased his long-term disability insurance policy through the American Institute of Certified Public Accountants (AICPA). The AICPA had contracted with Prudential Insurance Company of America (Prudential) to provide long-term disability insurance to any actively working CPA members.At the age of 45 Mr. S began experiencing a sudden onset of...

Sun Life reinstated LTD benefits after Dell Disability Lawyers appealed wrongful termination of LTD benefits of registered nurse suffering from rheumatoid arthritis demonstrating Sun Life ignored the overwhelming volume of objective evidence supporting the claim for total disability including their own peer review physician's opinions that the claimant could not perform sedentary work.At the time of the on...

A Florida Anesthesiologist contacted our office after being denied long term disability benefits by MetLife. Prior to making a claim for such benefits, our client had worked as an Anesthesiologist since the early 1980's. Unfortunately for our client, she began suffering from various health conditions which left her unable to engage in her regular occupation. Her conditions included: Left Shoulder Arthritis, Os...

Ms. M was employed as a personal banker with JP Morgan Chase when he began experiencing debilitating diabetic symptoms, diabetic retinopathy and peripheral neuropathy. JP Morgan Chase provided its employees with group long-term disability insurance with Hartford Life and Accident Insurance Company ("Hartford"). By 2010, Mr. M's diabetes was out of control despite his attempts to control it through medication. ...

Prior to his disability, Mr. F was employed as a Contractor Field Service Representative with a large aerospace company. As one of his employee benefits, Mr. F was provided with group long-term disability insurance through CIGNA. In 2011, Mr. F was involved in a motor vehicle accident and suffered fractures and injuries to his head, neck, back and femur. The doctors treating Mr. F decided to place him in a med...

We get calls every day from claimants seeking help with filing an appeal against their disability carriers. Often, people call us after their appeals have been exhausted and the only option left is to file a lawsuit. Lawsuits can be costly and time consuming and, under ERISA, limited to recovering back benefits owed. It is not uncommon for a disability insurer to pay short term disability benefits for some tim...

Our eventual client began working as a 3rd Grade Teacher in the State of Maryland in August of 2010. Due to her employment with the Board of Education of Washington County, she was covered under a long term disability insurance policy that was administered and underwritten by the Life Insurance Company of North America ("Cigna"). This long term policy was to provide her with a percentage of her prior monthly e...

Our client is an accomplished attorney working for a large international law firm who despite suffering from Bipolar Disorder was able to complete law school and excel in a highly competitive and stressful occupation. However, increasing hours and the start of a new family made it increasingly difficult for our client to perform all the duties of her occupation due to her condition. Instead of walking away fro...

After being forced to stop working in 2007 due to various disabling conditions, an employee of Healthways, Inc., who was employed as a Member Care Manager, filed for Long Term Disability Benefits under a policy provided by her employer that was through the Principal Life Insurance Company.Shortly after applying for LTD benefits, by way of an approval letter dated October 23, 2007, Principal agreed that the...

Ms. L was employed as a registered nurse when she was diagnosed with anterior ischemic optic neuropathy, optic atrophy and visual field defect. Her employer, a large medical healthcare system, provided Ms. L and its other employees group long-term disability insurance through Reliance Standard Life Insurance Company ("Reliance Standard"). In 2014 Ms. L's vision degraded so severely that her doctors diagnosed h...

Reliance Standard Incorrectly Denies BenefitsThe claimant had been suffering from severe depression and anxiety due to many stressors in his life including a child custody battle which threw him into major depression and severe anxiety preventing him from being able to work in his occupation as an engineer. The claimant contacted Dell Disability Lawyers to assist him with his appeal as he did not believe h...

Our client, Ms. V, had been employed as an IT Systems Analyst with Highmark Blue Shield, one of the ten largest health insurers in the U.S. and a licensee of Blue Cross Blue Shield, before pain from Rheumatoid Arthritis, caused her to file a disability claim under her Highmark Blue Shield Long-term Disability Plan. Highmark Blue Shield had contracted Liberty Mutual to insure and administer the disability plan....

An employee of FLSmidth, Inc. who worked as a Senior Procurement Agent since 2007 was forced to discontinue working in February of 2012 due to serious medical disorders. She was suffering from Regional Pain Syndrome, Chronic Neck Pain status post C6/7 Interbody Fusion of Fracture, Cervicalgia, Left C6/7 Facet Fracture, Degenerative Disc Disease of the Cervical Spine, C5/6 Foraminal Stenosis, Bilateral Shoulder...

Our client, who previously worked as a Registered Nurse for Adventist HealthCare since 1996, came to us after being denied continued ERISA long term disability ("LTD") benefits by Hartford Life and Accident Insurance Co. Prior to being denied, our client had previously received benefits from January 27, 2010 through October 31, 2014. By way of a denial letter dated October 23, 2014, Hartford informed our clien...

Our client contacted us in November of 2014 shortly after she had received a denial letter from Unum which denied her continued receipt of Long Term Disability (LTD) Insurance Benefits. Prior to receiving the November 5, 2014 denial letter, our client had received LTD benefits since early 2011.In June of 2010, our client was forced to leave her occupation as a Nurse Practitioner for Genesis Consolidated Se...

A former employee of Wal-Mart contacted our firm on March 11, 2015. She informed us that she had recently been diagnosed with Multiple Sclerosis less than a month earlier. She also informed us that prior to this diagnosis she was forced to leave her occupation as a Personnel/Training Coordinator for Wal-Mart Stores, Inc. She previously had been diagnosed with small fiber peripheral neuropathy, ankylosing spond...

Pre-disabilityBefore going on disability, Mr. M was working as a quality control inspector for Tam International. In 2009, after years of service, Mr. M sustained an injury while at work and he was forced to file a claim for disability with his employer sponsored disability plan. His claim was based on low back pain, osteoarthritis, neuralgia, radiculitis, neck pain, shoulder pain, muscle spasms, headaches...

Due to his previous employment at DRS Technologies where he worked as an Environmental & Health Safety Specialist, our eventual client was covered under a Long Term Disability (LTD) Insurance Policy with The Prudential Insurance Company of America. This LTD Policy was in place for DRS Technologies' employees should they be unable to perform the material and substantial duties of their regular occupation or...