Our Resolved Disability Insurance Claims

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...

After paying the claimant for 24 months under the mental nervous condition limitation, Cigna terminated her benefits based on the lack of evidence supporting her physical disability. In its denial letter, Cigna dismissed the overwhelming volume of objective evidence supporting the claim for total physical disability (ie, significant abnormal findings on objective diagnostic testing, her credible complaints of ...

Syncope is the medical term used to describe fainting or passing out. A syncopal event often comes on with no warning, is short in duration and recovery is often spontaneous. For our client, a Construction Project Manager responsible for driving to work sites and then navigating the site, an event could spell disastrous. Even more frustrating than suffering from recurrent syncope events is not having a clear u...

After three long years of struggling with no income due to Sedgwick's failure to approve her benefits, the claimant is finally awarded the disability benefits she was rightfully owed. The claimant worked for Walgreens for approximately 11 years and was a dedicated employee who loved her profession. In early 2011 she began to feel fatigued and experienced pain in her muscles and joints. She was very concerned f...

Dr. G' s individual long-term disability insurance policy with National Life of Vermont (National Life), now owned and administered by Unum, were initially purchased shortly after his graduation from chiropractic college. Although after graduation, he initially worked and apprenticed under other chiropractors, his true desire was to one day open his own practice. With that aspiration in mind, he knew the impor...

Previously employed as a Store Manager for Victoria's Secret, our eventual client was forced to leave her position on July 8, 2009 due to numerous issues with her back, neck, hands, arms and feet. Her conditioned included severe and progressive Chronic Low Back Pain with Radiation to the Lower Extremities, Lumbar Degenerative Disc Disease, Lumbar Post Laminectomy Syndrome, Lumbar Strain, Lumbar Scoliosis, L5/S...

It is undisputed that our client served honorably in the Vietnam War during the time period of 1968 to 1969. Most recently he had been an employee of US Foodservice for over 17 years without issue. He worked as a District Sales Manager. However in 2008, a change in management at his job brought drastic changes which lead to him experiencing increased stressed. This additional stress resulted in our client to s...

After receiving a letter terminating her LTD benefits, the claimant retained Rachel Alters to prepare an appeal on her behalf against Cigna. The medical and occupational documentation submitted with the appeal clearly established that due to physical limitation resulting from end stage Myasthenia Gravis, which causes the claimant to suffer unpredictable, intermittent muscle weakness in her arms, shoulders, bac...