Our Resolved Disability Insurance Claims

A former Safety and Training Specialist for the Dale Tile / Unilin Corporation was forced to leave work on September 16, 2010 due to his poor health. His medical conditions included chronic myotonic muscular dystrophy, osteoarthritis, systematic rheumatoid arthritis, fibromyalgia, chronic fatigue syndrome, chronic pain syndrome and chronic postrheumatic arthropathy. Although initially approved for Long Term Di...

Our client was a long time Emergency Room Veterinarian whose job was far from what most envision when thinking of a Veterinarian. Unlike your local veterinarian, his job required that he be able to drive long distances, encompassing several states to provide ER services at various facilities. Long hours with no pre-set idea of how a work day would unravel were the norm. Granted some nights could be relatively ...

After being forced to stop working as a Circuit Design Engineer on May 3, 2011 due to a multitude of severe and progressive spinal impairments including multilevel marked degenerative changes with stenosis, nerve root compression, disc disease at L4/5 and L5/S1 levels and neuropathic pain into the right lower extremity, the claimant filed an application for long term disability benefits with Lincoln Financial ...

Mr. Z had recently graduated with a bachelor's degree in information technology from a prestigious New Jersey university, and had landed an amazing job working as a software engineer for an international bank in bustling downtown Manhattan. Mr. Z was excited and saw great potential for his career and life. That is until one day in October when Mr. Z was travelling as a passenger in the front passenger seat of ...

Denials of long term disability benefits commonly occur when the definition of disability changes from own occupation to any occupation. In a recent case handled by our law firm we were shocked that Reliance Standard expected our 63 year old client to be able to return to any occupation. Our client was employed as a Senior Clinical Research Associate for many years. She worked in a sedentary position, but due ...

Multiple sclerosis is a chronically disabling condition which is commonly misunderstood by disability insurance companies. Let's take a look at a case handled by our law firm following denial of long term disability benefits by Prudential. A successful, bright Bank Manager with a flourishing career in the banking industry was diagnosed with multiple sclerosis in 2001. She was shocked and distraught by her diag...

One day, our client woke up with a severe headache and was unable to go to work. Her headache was so severe that she went to the emergency room and had a CT scan and a spinal tap to rule out meningitis. She hoped her headache would go away, but after 4 days in the hospital and numerous medications the headache continued. The doctors completed every possible test to determine the cause of the headaches and then...

Prior to submitting a claim for disability insurance benefits to Liberty Mutual, our client had been a long haul truck driver for many years. Over the years the hours of prolonged sitting and repeated physical activity necessary to performing her job started to take a physical toll on her body. She developed severe chronic lower back pain with associated radiating pain and numbness into her legs. Eventually th...

Prior to filing a claim for disability, our client was a successful managing attorney at the law firm she worked for. In late 2010, she suffered a fracture of the carpal bone and a wrist dislocation that required surgery to repair. Lincoln Financial initially approved her claim and paid benefits for approximately one year. During the time she was on disability she was required to undergo surgery on her other w...

Dell Disability Lawyers prevailed in an ERISA appeal filed on behalf of their client when Unum wrongfully denied her long term disability benefits. The client was suffering from Invasive Squamous Cell Carcinoma of the Anal Canal which causes Chronic and Frequent Bowel Movements, an inability to control her bowel movements, Rectal Pain, Anxiety and Depression, all of which prevented her from performing the mate...

After only being on claim for ten months, Liberty Mutual unexpectedly terminated the continued receipt of long term disability benefits of a former Auto Damage Insurance Appraiser for Allstate Insurance Company. Within days of receiving the denial letter from the insurance company, the denied disability claimant contacted Dell Disability Lawyers to assist him in the filing of an administrative ERISA appeal aga...

Our client, a former software programmer from Texas, has had a long and tumultuous history with Prudential as it relates to his claims for short and long term disability benefits. With any disability carrier you can never let your guard down, as an approval one day does not mean that benefits will continue forever. In this particular case we have won three different ERISA disability appeals for our client and ...

Our client, a respected physician specializing in oncology, has battled Progressive Parkinson's Disease for many years in an effort to continue to pursue his life's work and passion. However, as the years passed and his symptoms worsened he faced the reality that his own medical condition was impacting his ability to properly care for the people whose trust was bestowed upon him. Following several hospitalizat...

Our client, an AT&T employee for more than 40 years became disabled and unable to do her job due to cervical myeolapathy neck pain, chronic headaches and a torn rotator cuff in her shoulder. Her claim for short term disability benefits under the AT&T disability benefits plan has been nothing but a "headache". AT&T hires Sedgwick Claims Management to handle the administration of all disability benef...

For ten years our client was receiving long term disability benefits from CIGNA under an ERISA governed Group Disability Policy (Jaycor) due to a litany of medical conditions, which included Adult Onset Still's Disease, Chronic Pain, Fibromyalgia and Fatigue. During the course of his claim and well prior to CIGNA's termination of benefits, he had already met and passed the own occupation to any occupation defi...

Our client, a 62 year old former pharmaceutical sales rep, had been receiving long term disability benefits with Hartford Insurance Company for nearly six years due to chronic back pain, which had resulted in six surgeries in a span of several years, when Hartford abruptly terminated his claim for long term disability benefits.Hartford had initially determined that our client was unable to perform the mate...

Dell Disability Lawyers prevailed in an ERISA appeal filed on behalf of their client when The Standard Insurance Company wrongfully denied her long term disability benefits. The client was suffering multiple gastro-intestinal conditions, chronic intractable abdominal pain, visceral hypersensitivity syndrome, nausea, vomiting secondary to a neuroma, migraines, fibromyalgia, severe weight loss, fatigue, syncop...

Dell Disability Lawyers prevailed in an ERISA appeal filed on behalf of their client when The Hartford Insurance Company wrongfully terminated her long-term disability benefits. The client was suffering from severe, progressive axial chronic back and leg pain related to degenerative disc disease for several years. She underwent several epidural steroid injections and physical therapy sessions with little or no...

For over 40 years, Mrs. K had been employed as a middle school guidance counselor and teacher. In order to protect her income in the event of a disability, Mrs. K enrolled in her school board's long-term disability plan and even purchased additional options to increase her monthly benefits.In 2007, Mrs. K became disabled under the terms of the school board's long-term disability plan due to what was origin...

Our client was an OB/GYN with 18 years of experience who was suffering from Sensory motor and Peripheral Neuropathy; disc degeneration and herniations of the lumbar, thoracic and cervical spine, with associated radiculopathy; osteoarthritis / degenerative joint disease; and the loss of vision in his left eye. He attempted to continue to work through the constant pain he was experiencing, but was eventually for...