Our Resolved Disability Insurance Claims

Prior to September 11, 2001 our client, Mr. B, was a government securities repo trader. His office was located on the 26th Floor of Tower 1 of the World Trade Center. On the morning of September 11, 2001, Mr. B reported to work at his brokerage firm and started his day buying and selling government securities for his commercial clients, institutions such as Bank of Tokyo and Lehman Brothers. At around 8:45 a.m...

Dell Disability Lawyers successfully resolved a long-term disability claim for a former floor trader on the Chicago Board of Options Exchange ("CBOE"). In July 1998, Mr. T underwent bilateral eye surgery to correct vision loss which was preventing Mr. T from accurately reading the monitors in his trading pit, a necessary skill in Mr. T's profession. Despite undergoing corrective eye surgery and hoping to retur...

Attorney Gregory Dell, of Dell Disability Lawyers, successfully negotiated a lump-sum buyout of a long-term disability policy for a 35 year old former account executive at XO Communications.The claimant had been collecting long-term disability since 2002 as a result of a condition that causes severe headaches and occasional seizures. The long-term disability policy was issued by the Hartford Life and Accid...

Our client, a radiologist and partner of a successful Florida medical group began experiencing significant burning tongue and mouth pain following a dental procedure. Complicating matters further, he also suffered from severe back pain from several disk herniations and degenerative disk disease. The burning tongue and mouth pain was severely distracting, to the extent that it impaired his ability to focus, con...

Our client, a teaching assistant with Multiple Sclerosis, was denied benefits under her long-term disability policy from Hartford provided by her employer, the Broward County Florida School Board. Following her denial of benefits, our client retained Dell Disability Lawyers to appeal the denial of her benefits. Her policy stated that she would qualify for long-term disability benefits if she was "continuously ...

Our client was a successful, independent financial advisor who owned her own business. On December 21, 2008, while stopped at a red light, her car was struck from the rear by a cement mixer. Within days of the accident she was beginning to experience pain in her neck and lower back. MRI reports indicated multiple herniations of her cervical and lumbar spine. Unable to return to her office for little more than ...

Our client, a financial advisor, was first diagnosed with fascioscapulohumeral muscular dystrophy (FSHD) in 2002. FSHD is a neuromuscular disease which causes progressive skeletal muscle loss and weakness, defects in the biochemical, physical and structural components of muscle and the death of muscle cells and tissue. FSHD is a severely disabling condition and is the second most prevalent muscular dystrophy a...

Our Client, an OBGYN from New York, suffered significant spinal injuries following a fall from his horse. Total Disability benefits were paid for approximately 10 years without question. As part of his physical therapy and to prevent further degeneration of his spinal cord, back muscles and leg muscles, his doctor advised him to lift weights. During one of the insurer's regular disability surveillance observat...

Our client, a Senior Sales Manager for a large medical supply company, was suffering from severe spinal stenosis and an injury to her ulnar nerve following an epidural steroid injection. As a result of these disabling conditions, our client suffered from a multitude of physical problems, which included: loss of range of motion in the neck and shoulders; loss of grip strength of the left hand; numbness, tinglin...

Our attorneys were able to quickly procure total disability benefits for our client, a neurosurgeon, following his back surgery. Eventually, our client was able to return to practice part time, and thus, we advised both insurance carriers that this doctor now qualified for partial disability benefits, as he could not perform the duties of a neurosurgeon for the amount of time and to the extent that he did prio...

The Client, a South Florida podiatrist, retained the law firm of Dell Disability Lawyers in December 2007 due to the denial of disability benefits by one of her two long-term disability insurance carriers. Beginning in 1999 the client began suffering complications from fibromyalgia, sjogren's syndrome, carpal tunnel syndrome and chronic fatigue syndrome.Determined to continue the practice of podiatry and n...

This client, a computer systems engineer, hired our firm to dispute Prudential's decision to terminate his long term disability benefits following his own two unsuccessful attempts to appeal this determination and an unsuccessful formal appeal filed by his prior attorney. Under the terms of his policy, he received long term disability benefits for two years under an "own occupation" definition (the inability t...

Our client was a Territory Sales Specialist for a major medical supply company, responsible for sales spanning a large geographic area with incredibly high sales quotas. Physical requirements of her occupation required here to travel extensively, drive long distances on a day to day basis, carry samples and products that could weigh in excess of thirty pounds, and give presentations and demonstrations. Her job...

Medical Condition and Occupational DutiesOur Client, an OBGYN (hereinafter referred to as "Dr. OBGYN"), was employed by a hospital when he began to experience anxiety and depression following the filing of a malpractice lawsuit. Our client began drinking alcohol on a daily basis and was subsequently hospitalized for three months as a result of alcoholism, anxiety, depression and suicidal thoughts. Prior to...

Dell Disability Lawyers successfully negotiated a $340,000 long-term disability insurance lump sum buyout for a psychiatrist suffering from major depressive and anxiety disorder. After practicing for 20 years, our client began to suffer from the same condition which he had helped thousands of patients to overcome. The claim was resolved for 70.2% of the present value of future benefits. The client received a m...

After UNUM Provident denied a real estate agent's third claim for income policy replacement benefits, she hired Dell Disability Lawyers to help her secure the benefits to which she was entitled under the terms of her income replacement policy.For a number of years prior to her filing this particular claim for benefits, our client received benefits from UNUM Provident for two accidents. Initially she was un...

Our client, a former employee of the State of Colorado, suffers from AIDS and various secondary AIDS related diseases. His condition has severely affected his short-term memory and caused the "brain fog" that many AIDS patients are plagued with, and further affected him with sudden, explosive diarrhea, and chronic pneumonia.Our client was initially notified by phone that his claim was approved, and almost ...

Our client, a 48 year old dentist, began to experience difficulty performing the substantial and material duties of his occupation as a result of anxiety and neck pain. Our client contacted our firm in order to assist him with his application for long-term disability benefits. At the time we were contacted, our client was having difficulty performing his duties as a dentist on a full time basis and was unsure ...

Our client, a trial attorney representing parents and children in dependency, delinquency, and guardianship cases contacted Dell Disability Lawyers to see if she would be eligible for long-term disability benefits under her individual disability income and business overhead expense policies purchased from Unum. Upon consultation with attorney Robert Kerr, the client retained Dell Disability Lawyers to assist w...

Our client, a 58 year old ophthalmologist, was forced to stop working as a result of rheumatoid arthritis and cervical herniations in his neck. Prior to filing for disability, Dell Disability Lawyers was retained in order to assist with the application for long-term disability benefits and the transition from working full-time to total disability. Our client's policy stated that he would be considered total di...