Our Resolved Disability Insurance Claims

Unum unjustly terminated our client’s disability insurance claim after it had approved and accepted liability for six months. Unum unreasonably concluded, without any evidence of improvement, that the claimant had resumed the sustained work capacity to perform the material and substantial duties of her high level occupation as a Transportation Division Manage...

The claimant is a 58-year-old former MRI Technologist for Fairview Health Services who has long suffered from the debilitating effects of her chronic medical conditions. She has a history of neck pain as well as right arm pain and numbness dating back to 2005 with a reoccurrence of severe symptomatology in 2013. MRI of her cervical spine performed in August of ...

The claimant is a former Senior Technology Services Engineer for Accolade, Inc. who was forced to cease working on May 25, 2021 and to apply for disability insurance benefits under his policy with Prudential because of severe symptomatology related to depression and anxiety. Prudential initially approved his claim for LTD benefits as his symptoms were demonstrat...

Following a denial of his claim for Long Term Disability (LTD) benefits, our client came to us almost 7 months after he received an April 29, 2021 denial letter. Prior to contacting us, he had taken no action to challenge this denial and no administrative appeal had yet been filed. As his claim is governed by the Employee Retirement Income Security Act (ERISA)...

Our client, a former elementary school teacher suffering from Multiple Sclerosis, contacted our office after New York Life terminated her claim for short term disability benefits and spoke with Attorney Stephen Jessup. New York Life had initially approved her claim for short term disability benefits, but in doing so awarded benefits only on account of a mental health condition, even though our client had filed...

Our client came to us after he was denied continued Long Term Disability (LTD) benefits by The Lincoln National Life Insurance Company. Previously employed as a Software Developer for Novo Nordisk, the multinational pharmaceutical company, after years of service our client found he could no longer work following a severe case of Covid 19 which left him hospitalized for 30 days....

Our now client came to us after she received a denial letter following her receipt of long term disability benefits (“LTD”) for a period of 24 months. This is very common as with any denied claim, at the 2-year mark is when many ongoing claims are denied. Why? Typically group long term disability insurance policies have special provisions that kick after 24 months of be...

We represent a General Duty Nurse who was denied long term disability benefits as Hartford improperly determined that she was able to work her medium duty job on a full time basis. The medical and occupational documentation submitted with her appeal that we filed on her behalf, as well as the documentation and evidence previously submitted by her physicians, cle...

Our client, a former Managing Director - Tax Consultant for KPMG contacted our office after his claim for short term disability benefits was denied by Prudential. He spoke with Attorney Stephen Jessup, who has handled multiple cases for KPMG employees whose disability benefits had been denied by Prudential. In this case our client had filed for disability due to...

Our client, a former law partner of a large national law firm, filed for disability with Prudential due to severe mental health conditions that resulted in hospitalization. Prudential approved her claim for short and then long term disability benefits and in doing so asserted the 24 month limitation on benefits due to mental health conditions that was contained ...

A former Payroll Manager for Solairus Aviation, a large Private Jet Charter and Aircraft Management Company was significantly injured in a serious motor vehicle accident which occurred on June 26, 2017.  This accident changed her life forever. Due to the accident, our now client suffered from a traumatic brain injury which led to diagnoses such a post-concussi...

Client was Regional Director for the State of Louisiana. She was diagnosed with cervical radiculopathy, spondylosis, lumbar spondylosis and bilateral carpal tunnel syndrome. In 2020 she underwent an anterior cervical discectomy and fusion. Unfortunately the surgery did very little to resolve her neck pain, radiculopathy and discomfort.She was a Regional Di...

Lincoln Life Assurance Company of Boston improperly denied our client’s long-term disability benefits.  Prior to filing for disability, our client was employed as a Line Specialist-Early for FPL (Nextera Energy, Inc.). According to the Position Summary, the material and substantial duties of his occupation include but are not limited to:Position Summary:...

Our client, an Anesthesiologist, suffered a fall at his home which resulted in rupturing his left quadriceps tendon requiring him to undergo surgery the following day. For the next month and a half, he underwent extensive recovery and rehab in his attempt to return to work. Believing he had sufficiently recovered; he made a return to work on a reduced schedule b...

A former Manager of Quality Assurance at Walmart is again receiving Long Term Disability (LTD) benefits following an appeal filed by Dell Disability Lawyers. Our now client was only recently hired by Walmart in May of 2017. He loved his job and began to shine at his occupation until he unfortunately suffered a serious shoulder injury in late 2017. After this initial shoulder injury, additional injuries ...

Our client is a former Mental Health Epidemiologist who unfortunately suffered the progressive onset of pervasive fatigue, malaise, muscle aches, headaches, difficulty with concentration/focus, difficulty with information processing, and depression. Her symptoms were attributed to the medical diagnoses of chronic fatigue syndrome / Myalgic encephalomyelitis by her treating phy...

Our client, came to us when he was unjustly denied his claim for LTD benefits by Aetna, now Hartford, asserting that his medical records did not demonstrate “a consistent inability to perform [his] sedentary occupation”.  Aetna abused its discretion in reaching this determination as its decision was not only wrong but arbitrary and capricious and was not based on a fu...

With financial protections afforded to disability insurance companies under ERISA that insulate them from extra contractual damages there is very little financial disincentive to deny long term disability benefits to an insured. This is especially true of disability applicants who are high wage earners whose resulting monthly disability benefits are extremely high. In our experience, insurance companies will g...

If your disability insurance claim has ever been denied you will have received a formal denial letter from your insurance carrier in which you are advised as to the basis of the denial as well as provided guidelines set forth by ERISA as to the filing of an administrative appeal to challenge the denial of benefits. The most important of these ERISA guidelines is the notification that you have 180 days from the...

On December 8th of 2020, a new employee at ServerCentral, now known as Deft, a well-known IT infrastructure provider, found himself in the Emergency Room due to facial numbness and confusion.  This ER visit was unfortunately not something new for him as he had just been there two weeks prior in late November due to a headache and dizziness. With this visit ...