Our Resolved Disability Insurance Claims

Ms. Z had spent several years working as an analyst for major retailer, Target Corporation. Although she spent years working with Target, and greatly enjoyed her job, she soon began experiencing severe and chronic neck pain as a result of spondylothesis and rheumatoid arthritis, a chronic inflammatory disorder that often affects the small joints in the hands and feet. Ms. Z's days were often spent in discomfor...

Prior to filing for disability our client was a Professor of Psychology at a large University. Unbeknownst to many around her she was battling a long history of Bipolar Disorder, Depression and Anxiety, which began to affect her ability to properly perform the duties required of her as a collegiate level professor. The daily battle she faced with depression and anxiety left her overwhelmed and emotionally exha...

When our client first contacted our Office he was unsure if he even had a case worth pursuing. After being on long term disability for a year, and still within his "Own Occupation" period Hartford denied his claim for continued benefits based on video surveillance conducted, an in-person interview, and the results of an Independent Medical Examination they had sent him to. By all accounts, prior to denying the...

On January 15, 2010, a System Engineer for Lockheed Martin Corporation was forced to leave work due to multiple medical conditions. His conditions included Chronic Pain Syndrome, Degenerative Disc Disease of the Cervical and Lumbar Spines, Active Colitis, Cognitive Dysfunction, etc. As his employment with Lockheed provided coverage under a Long Term Disability Policy, this System Engineer applied for Long Term...

Our client was the epitome of a no-nonsense, honest, hardworking individual. So much so that at the age of 64, while performing yard work at his home he fell some 30 feet from a tree, breaking multiple vertebrae in his back and still attempted to return to his occupation as a Software Engineer. Despite his noble efforts, the severity of the fall that almost killed him and required extensive surgery left him un...

Attorney Rachel Alters filed an appeal after Lincoln denied long-term disability benefits to a Project Manger suffering from chronic paroxysmal hemicrania/hemicranial cluster headaches, cervicalgia, and osteoarthritis of the temporomandibular joint bilaterally, which prevented her from being able to perform with reasonable continuity each of the main duties of her regular occupation. It was evident from review...

Liberty initially approved our client's claim for long term disability benefits after determining he was unable to perform the duties of his occupation as District Manager due to physical and cognitive limitations resulting from his Multiple Sclerosis. However, after paying the benefit for only four months, Liberty had a change of heart and terminated his LTD benefits, claiming that he no longer met the defini...

Forced to leave his position in 2011 due to multiple complications involving HIV/AIDS, Back Issues, Hepatitis C, Depression, etc., a man formerly employed as an Account Service Representative with MetroPCS Wireless applied for and was initially approved for Long Term Disability (LTD) Benefits with CIGNA/Life Insurance Company of North America. These benefits were paid for 24 months as Cigna agreed that he was ...

The road to long term disability benefits is far too often a difficult and arduous journey for many insured. Our client's story is a testament to the lengths an insurance company will go in an attempt to avoid its obligation to pay benefits under a disability policy. I first wrote about my client's battle to secure the remaining month of his short term disability benefits on account of a multitude of medical c...

In July of 2013, a woman former employed as a Planner/Scheduler contacted Dell Disability Lawyers for potential representation due to the fact that Cigna had denied her continued claim for Short Term Disability benefits. This woman was forced to leave work on January 17, 2013 due to Chronic Fatigue Syndrome, Rheumatoid Arthritis, and Fibromyalgia. Fortunately for this Planner, she was covered for Short Term an...

Our client was a highly successful Podiatric Surgeon who was suffering from severe neck pain due to two crushed cervical facet joints with resultant nerve impingement. Despite his best efforts to continue to work in his capacity as a surgeon the pain and associated numbness and weakness was making it increasingly difficult to effectively examine and treat his patients. The pain became so severe and his concern...

Attorney Alex Palamara represented a former Lockheed Martin employee that was denied long term disability benefits by Cigna following a functional capacity exam. Mr. Palamara prepared an extensive ERISA appeal and upon review, Cigna agreed to reinstate past due benefits and continue paying benefits. Our firm continues to manage the claim on a daily basis and our...

Our client had been employed as a Truck Driver for Harris Teeter Supermarkets, Inc. His disabilities included Chronic Pancreatitis, Chronic Pain, Stomach Ulcers, Epigastric Pain, Nausea, Diffuse Gastritis, Gastroesophageal Reflux Disease (GERD), Fatty Liver, Nephrolithiasis, Type 2 Diabetes Mellitus, Hypertension, Headaches, Osteoarthritis of the Knee, Hyperlipidemia, Lumbago, Kidney Stones, and Insomnia. The ...

Sun Life recently awarded long term disability benefits to our client following an application for benefits submitted by Attorney Stephen Jessup. While on short term disability our client received notice from Sun Life's long term disability department that he would have to complete new claim forms in order to formally apply for his long term disability benefits. Unable to work due to diabetic peripheral neurop...

Attorney Rachel Alters was successful in convincing Hartford to overturn its decision to terminate her client's LTD benefits after submitting an extensive appeal on her behalf. The claimant in this matter, due to physical limitations resulting from lumbar radiculopathy, failed back syndrome, sciatica, disc bulges L4-5 and L5-S1 and degenerative disc disease of the thoracic spine, was unable to perform even sed...

A Client of Dell Disability Lawyers was forced to file an administrative appeal after Lincoln Financial Group denied his continued claim for ERISA Long Term Disability benefits. Previously employed as a Vice President at a private liberal arts college in the northeast, our client was forced to leave work in early 2012 due to the restrictions and limitations of a multitude of conditions. His conditions include ...

Our client, Ms. N, had been employed with Sears Holdings as a customer service representative, before pain and discomfort from fibromyalgia and degenerative disk disease (DDD), caused her to file a disability claim under the Sears Long-term Disability Plan. Sears had contracted CIGNA to insure and administer the disability plan.The pain and discomfort which resulted from the combined effects of fibromyalgi...

Our client was the director of Volunteer Services for a large healthcare system for many years who had received numerous accolades and awards during her tenure. She had every intention to continue down her chosen career path until her life was tragically turned upside down when she suffered a blow to her head that resulted in permanent Epileptic seizure activity, cognitive impairment, difficult speaking and ex...

Often, one cannot help but feel that an insurance company has denied their claim for disability benefits for the sole purpose of forcing them back to work so the company does not have to pay benefits. The expression "starve into submission" is appropriate when describing this insurance company tactic. With no source of income many people have no other option and do just that. For our client this was a grim rea...

A disabled Attorney sought total disability benefits due to severe Parkinson's Disease with motor complications, secondary depression, drowsiness from medications, fatigue, right and left arm tremors and cognitive impairment which prevented him from being able to perform with reasonable continuity the material duties of his regular job as an Intellectual Property Attorney and partner at his law firm. CIGNA inc...