Our Resolved Disability Insurance Claims

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...

Our client, a chiropractor, was involved in motor vehicle accidents in 2005 and 2007, which resulted in him suffering from lumbar radiculopathy and cervical discogenic disease. As a solo practitioner and business owner he attempted to continue to work through the pain by working in a reduced fashion. He modified the techniques he employed for certain chiropractic procedures, and had to eliminate others all tog...

Our client, a general dentist, purchased a long-term disability policy from Berkshire Life Insurance Company of America. The policy defined "disability" as the inability to perform the substantial and material duties of his regular occupation. Our client maintained a solo dental practice since 1995. After several years of practice, Dr. Q began experiencing back pain which made it difficult for him to bend over...

Our client, a chiropractor, suffered from severe bilateral carpal tunnel syndrome, as a result of a traffic accident. Our client applied for disability insurance benefits under the terms of his contract. His disability insurance contract defined total disability for the first 24 months as the inability to perform the substantial and material duties of his occupation as a chiropractor. After 24 months the defin...

Our client, a chiropractor, was severely injured as a result of a mountain bike accident, which left him temporarily paralyzed. While he was only temporarily paralyzed, this accident has left him with permanent spinal cord and lower back injuries that render him unable to work as a chiropractor. The days that he once spent running from room to room, greeting people, and adjusting and manipulating his patients ...

Prior to leaving his employment with a local hospital, our client, an internal medicine doctor sought our legal services to evaluate his group long-term disability policy and advise him as to whether he was eligible for long-term disability. Our client was diagnosed with Parkinson's disease approximately 5 years prior to considering filing for disability.Our client wanted to continue working but he felt th...

Our client, an accounting manager for twenty-three years, suffered a debilitating stroke that left the entire left side of his body paralyzed. Coupled with the affects of the stroke, he also suffered from severe discongenic disease. Unable to work, he applied for and received Social Security Disability benefits from the Social Security Administration ("SSA") after meeting the SSA's very strict definition of "d...

Dell Disability Lawyers was able to successfully procure a settlement for a dentist whose disability benefits from UNUM Provident were terminated after 7 months of treatment and chemotherapy for pancreatic carcinoma. UNUM Provident based its denial on the fact that our client returned to work, in a very limited capacity, after the carcinoma appeared to be contained and under control. However, while our client ...

Dr. C, a dentist, came to Dell Disability Lawyers in 2006 seeking assistance in submitting applications for long-term disability benefits. In 1999, Dr. C began noticing a slight tremor in his right hand while writing and at times while holding a dental instrument. He immediately sought care from a neurologist, who after examining Dr. C, determined that the tremor was likely stress and anxiety related. Dr. C co...

Our Client, a veterinarian, suffering from fibromyalgia was was receiving long-term disability benefits for 9 years, when his disability carrier decided to stop paying him. Not only did his carrier decide to stop paying, but they sued him in Federal Court for 9 months of back benefits that they paid under a reservaton of rights.In response to the Carriers unreasonable actions, we filed a counter-suit for b...

Our client, an ENT doctor injured his finger during an automobile accident. As result of the injury to his finger our client was no longer able to perform a majority of the surgeries that he was once able to do. Our client had both a personal disability policy and a business overhead policy. Our client continued to work as an ENT, but his partner handled all of the surgeries that our client was once able to pe...

A former state attorney, responsible for prosecuting and trying criminal cases, hired Dell Disability Lawyers prior to filing her application for total disability benefits with Equitable Life Assurance Company. We assisted her as she completed the numerous applications for benefits, were present during her interview with an Equitable representative, and helped her to obtain the substantial amounts of informati...

Our client suffered from Post Traumatic Stress Disorder and applied for long-term disability insurance benefits under the terms of his group disability policy. His insurance carrier denied his claim, asserting that because he took anti-depressant medication and was also diagnosed with a personality disorder within the three months prior to obtaining insurance coverage, his condition was pre-existing.After ...

Our client was an executive assistant for a leasing company who became disabled after developing fibromyalgia. In April 2007, she filed a claim with USAA Life, with whom she had taken out a personal long-term disability policy in 1995.Our client's occupation as an executive assistant required her to spend long hours in front of a computer. However, her job required her to be able to multi-task and perform ...

Attorneys Dell and Gavidia filed suit against Federal Express ("FedEx") on behalf of their client, Richard Bilheimer, in Palm Beach County Circuit Court, alleging that their client's former employer Federal Express had breached the terms and conditions of the Federal Express Short-term Disability Plan by denying Mr. Bilheimer's claim for disability benefits. Moreover, FedEx prevented Mr. Bilheimer from applyin...