Our Resolved Disability Insurance Claims

As any chiropractor or anyone who has been to a chiropractor knows - chiropractic medicine is very physically intensive work. The wear and tear a chiropractor can endure over the course of a career often resembles what many patients seek treatment with a chiropractor for. Such was the case with our client, who after 20 years of practice began to succumb to chronic neck pain due to cervical herniations, cervica...

Our client worked as a Retail Sales Leader for T-Mobile USA for a number of years before he was forced to stop working in July of 2010 due to various serious medical conditions. Our client left work due to the restrictions and limitations caused by hepatitis, proteinuria, fatigue, toxic myopathy and dermatomyositis. The dermatomyositis alone left our client with generalized malaise and acute body rashes. At on...

This former employee of Morgan Stanley came to us after being denied continued Long Term Disability (LTD) benefits by MetLife. Our now client previously worked as a Registered Client Service Associate for Morgan Stanley. This sedentary occupation had her supporting a Financial Advisor or a group of Financial Advisors with a combined annual production of $1,500,000.00 and approximately $200 million dollars unde...

This Dell Disability Lawyers client came to us after being denied short term disability benefits by Hartford under the Omnicare, Inc. Short Term Disability (STD) Plan. Prior to hiring us, this client was forced to leave his previous occupation on May 31, 2014 due to severe eye disorders. His conditions included: Chronic Bilateral Advanced Stage Macular Degeneration, Bilateral Nuclear Sclerotic Cataracts, Bilat...

Attorney Alexander Palamara of Dell Disability Lawyers is happy to report of another client's approval for Long Term Disability (LTD) benefits by Aetna. Our client previously worked as a Nurse for the Lee Memorial Health System in Florida since 2001. Unfortunately for our client, she began to suffer from the following medical conditions: Narcolepsy with Cataplexy; Severe Obstructive Sleep Apnea; Insomnia; Hype...

The above claimant contacted the law firm of Dell Disability Lawyers to represent her after receiving a denial of STD and LTD benefits from Aetna. In its denial letter, Aetna states that its decisions to terminate her STD benefits and deny her claim for LTD benefits was based on the determination that the medical records did not support a functional impairment from performing the material duties of her own occ...

Dell Disability Lawyers is happy to report that a client of ours is back on claim and receiving Long Term Disability (LTD) Benefits once again from the Metropolitan Life Insurance Company. Our client contacted us after receiving a denial letter from MetLife dated June 26, 2014. Prior to this time, she had received LTD benefits with no issue for almost two years. Unfortunately for our client, MetLife incorrectl...

Our client previously worked as a Senior Accountant/Office Manager for Maccaferri, Inc. Due to her employment at Maccaferri, she was covered under both a Short Term Disability Insurance Policy and a Long Term Disability Insurance Policy that insured that should she become disabled she would be able to receive a percentage of her prior monthly earnings. Although that day was never expected to occur, due to seve...

CIGNA improperly terminated claimant's disability benefits stating that the information in the claim file did not support a continued impairment to preclude her from performing her own occupation. It was apparent that CIGNA failed to consider relevant information which supported that the claimant was in fact, precluded from performing the material duties of her regular occupation.In appealing the terminati...

Prudential denied continued long term disability benefits for a former Stroke Coordinator for HCA Healthcare beyond March 31, 2014 by way of a denial letter dated April 24, 2014. According to the aforementioned denial letter, as of April 1, 2014, Prudential believed that the Stroke Coordinator, who eventually became our client, was able to perform the material duties of her regular occupation. This was in ligh...

Pre-disabilityBefore going on disability, our client, Mr. C, was working as a Maintenance Technician for a residential community. His job required him to spend the majority of his time outdoors. Naturally, Mr. C's job often required him to work through extreme heat or cold and otherwise exposed to the weather. Mr. C used tools ranging from common hand and power tools, such as hammers, hoists, saws, drills,...

Prior to filing for disability benefits with Cigna our client was the sole Data Center Manager and Software Engineer for an entire city in Florida, and was responsible for making sure all governmental offices' computer systems were in proper working order. Needless to say his job required a great deal of responsibility, long hours and traveling from government office to office. Like so many people who find the...

Our client, Richard, was employed as a senior accountant with a communications company. While performing work at his home one day, he fell from a ladder and severely injured his neck. His fall resulted in herniated disks in his cervical spine. His pain became chronic and he began experiencing numbness and tingling through his arms and hands. His doctors diagnosed him with herniated discs at C4-C5 and C5-C6, ce...

Our client, Richard, was working as an insurance agent when he began experiencing pain in his lower back. After consulting a physician and undergoing a CT scan and MRI, a ruptured lumbosacral disk was discovered. As an insurance agent, Richard understood the importance of maintaining disability insurance and he had personally purchased an individual disability insurance policy, insuring him for both total and ...

Prior to filing for long term disability benefits with Cigna, our client worked as a coordinator for a large hospital system. After having double knee replacements he found the physical demands of his job to be too strenuous in light of his ongoing pain and movement limitations. Left with little choice he filed a claim for disability benefits with Cigna. Based on the information provided Cigna approved his cla...

Our client previously worked as a Vessel Pilot for the Ingram Barge Company. Besides being a Vessel Pilot, our client is a husband and a father of three children. Prior to this episode, our client was very active with his children, traveled, played sports, and enjoyed many outdoor hobbies such a fishing and hunting with his family. Unfortunately for our client, his life changed and will never be the same due t...

Our client previously worked as a Contracts Officer for the Miami Dade County School District. As a County Employee, our client was covered under both a Short Term Disability Policy and a Long Term Disability Policy that provided disability benefits if the client was unable to work at her own occupation. Unfortunately for our client, she was forced to apply for such benefits in September of 2012 as she suffere...

Before contacting our office, Mr. Z had a long history of chronic cervical issues necessitating repeated surgeries, the most recent being in March 2014. In addition to other issues, Mr. Z had been suffering from worsening symptoms associated with headaches and upper extremity weakness due to cervical herniated disc with myelopathy. In September 2013, Mr. Z's conditions had worsened to the point he was no longe...

Before going on disability our client was a hardworking and dedicated Business Coordinator for Hoffman La Roche who was greatly admired by her co-workers for her professionalism, tenacity and leadership. After working more than 20 years for Hoffman La Roche she was diagnosed with Breast Cancer and had to suffer through the overwhelming effects of chemotherapy. Following her treatment she was placed on Aromasin...

Prior to filing for disability in June of 2012, our client was a Certified Drug Coder for a large hospital network. She had been suffering with severe lumbar back pain that was making it increasingly difficult to sit for long periods of time without experiencing severe pain. Due to the nature of her occupation and company policy she was restricted in her ability to take her prescribed pain killers as they affe...