Our Resolved Disability Insurance Claims

Dr. Z, a chiropractor, suffered an injury to both of his wrists while performing work in his backyard. As a result, Dr. Z was forced to discontinue his profession as a chiropractor and file disability claims under his three long-term disability insurance policies. Wanting to insure his financial future in the event that he became disabled, Dr. Z maintained three individual disability policies with three differ...

Dr. C, a podiatrist / podiatric surgeon, was successfully practicing in Texas prior to the injury which caused his disability. During a routine blood draw, the phlebotomist taking Dr. C's blood sample mistakenly injected the needle too deep into Dr. C's right arm. Dr. C immediately felt shooting and burning pain radiating down his right arm and into his hand. In the weeks that followed, Dr. C experienced sever...

In a federal court in Peoria, Illinois, a jury ruled against Unum Company (NYSE: UNM) and client will receive $246,000 in unpaid disability insurance benefits the insurer withheld from a general surgeon it had claimed was capable of conducting major surgeries, despite the surgeon's difficulty standing for more than one hour at a time.The eight-person jury, which included an employee from State Farm Insuran...

Our client was a litigator with his own successful practice. Early in 2009 he began to experience increasing pain in his upper back and neck. Thinking it was just a result of stress, he continued to try to work through the pain. As the pain worsened he sought medical treatment and later learned he had a life-threatening Chordoma in his cervical spine.The slow growing, highly dangerous Chordoma had to be re...

Our client was a former officer in the United States Marine Corp with combat service in both Iraq and Afghanistan, who upon retiring from the USMC began working as a medical device sales representative in an operating room setting. For two years he experienced no problems entering operating rooms as part of his occupation. However, in April of 2009, he witnessed a surgical procedure that led him to experi...

Our client, an Engineer Manager specializing in Fluid Power Engineering, suffers from severe Coronary Artery Disease. Despite the fact multiple diagnostic tests performed indicated there were no abnormalities with his heart, he suffered two heart attacks in the span of six months. Following his second heart attack in July 2006, he applied for long-term disability benefits under his employer's long term disabil...

After several month of attempting to handle his long-term disability claims on his own, our client contacted Dell Disability Lawyers. Mutual of New York Life Insurance Company claimed to be conducting an evaluation of his claim, but had not yet paid any benefits. Disability Management Services ("DMS"), a third party administrator, was retained by Mutual Life to administer and process our client's claim for d...

Dell Disability Lawyers were retained by a former chiropractor who was receiving long-term disability benefits from one of her two disability policies. Despite one company paying her long-term disability benefits, Lincoln Financial refused to pay disability benefits, claiming she could perform the substantial and material duties of her occupation as a chiropractor. Following her initial consultation with attor...

Our client, an ophthalmological surgeon, was diagnosed with bi-lateral carpal tunnel syndrome following a traumatic accident.  The client attempted to continue working for a few months following her injury in hopes that her hand numbness and pain would stop. While the pain stopped, the lost of sensation in her fingers remained. The client was forced to stop performing all eye surgeries a few months after ...

Our client, a general surgeon for 25 years, was forced to stop performing surgery due to chronic degenerative cervical disc disease. Fortunately, our client had purchased a long-term disability policy from Paul Revere Insurance Company (acquired by Unum), during the early years of his career. The Unum long-term disability policy provides a monthly disability benefit in excess of $12,000 in the event our c...

Our client enjoyed a long and successful career as a partner in his personal injury law firm. As a young attorney, our client bought a private disability insurance contract that protected his income in the event of his total or partial disability. The contract defined total disability as the inability to perform the important duties of his occupation and partial disability as the inability to perform one or mo...

Our client enjoyed a long and successful career in the dental profession. That he enjoyed this profession was emphasized by his many achievements and advancements within his career. Unfortunately, in mid-2003 he began to experience intense muscle spasms and severe pain in his lower back that moved down his left buttock and leg. Seeking answers and relief, our client immediately sought medical treatment from va...

Our client, a 54-year-old podiatrist, came to Dell Disability Lawyers after the long-term disability insurance company refused to pay him long-term disability benefits. Our client's disability policy provided that he would be totally disabled if he were unable to perform the substantial and material duties of his occupation. Furthermore, the disability policy stated that if he was disabled before age 55, then ...

Our client, a dentist and lecturer, began experiencing problems with his balance in March of 2009. In his role as director of clinical technology he was required to give lengthy presentations and speaking engagements, as well as be on the cutting edge in dental procedures. His initial balance problem quickly progressed leading to the cancellation of scheduled presentations, and our client seeing his doctors fo...

Our client, an obstetrician/gynecologist, suffered from rheumatoid arthritis and could no longer perform his occupation. He approached Dell Disability Lawyers seeking assistance with his long-term disability applications. After completion of his applications for private long-term disability insurance benefits and approval by two different insurance companies, the doctor disclosed that he had recently been deni...

More than sixteen years ago, shortly after starting his dental practice, Dr. Johnson (name has been changed for privacy purposes) bought a disability insurance policy to protect his income in case of an illness or injury that prevented him from completely or partially working in his chosen profession. Over the years, Dr. Johnson's practice grew substantially and so did his annual income. As such, Dr. Johnson's...

Our client, who suffers from Parkinson's, was a highly skilled engineer and operations manager for an international corporation before his illness rendered him unable to perform the duties of his occupation. Diagnosed with Parkinson's years before filing for long term disability benefits under his company's disability plan, he did everything in his power to work at a job he enjoyed and excelled at. However, th...

Our client was diagnosed with renal cell carcinoma of his left kidney in June of 2007. Under the provisions of his catastrophic illness policy, he was paid the lump sum benefit of $50,000 under the policy shortly thereafter. The terms of his policy stated that if he received no treatment for this cancer for at least a year, he could receive additional lump sum benefits if he developed another critical illness,...

Since late 2004, our client, had been battling Prudential Insurance Company in an effort to secure her long-term disability benefits. Our client became disabled on May 10, 2004, as a result of chronic neck pain caused by multi-level degenerative disk disease. Prudential owed our client $900,000 in unpaid long-term disability benefits at the time we filed a lawsuit.Dell Disability Lawyers submitted two admi...

Our client, a General Contractor who owned his own dry wall installation business, had a long term disability insurance policy he had purchased from Unum in 1988. Like so many professionals, our client never imagined, expected, or wanted to find himself in a position where he would have to rely on long term disability benefits. He simply paid the premiums each month and focused his attention on making his busi...