Symetra Reinstates LTD Benefits for Former Vice President of Grady Management, Inc. who suffered from multiple Strokes
Prior to becoming disabled, our client had worked at Grady Management, Inc., a well-respected full service real estate firm in Maryland, since April of 1978. For 37+ years, our client worked for Grady and worked his way up to become the Vice President of Priority Engineering Services. Obviously his work at Grady was more than a job, it was his life. Unfortunately for our client, serious medical conditions interrupted his continued employment and he was forced to stop working in June of 2015.
What caused him to stop working was the fact that our client suffers from hypercoagulopathy disorder which is a disease that is characterized by an increased tendency of the blood to form clots. Other diagnoses include deep vein thrombosis, pulmonary embolisms and he has even suffered from multiple cerebrovascular accidents (strokes). These issues have left him suffering from short term memory loss and impaired cognitive functioning, among other issues.
After 37+ years, our client was forced to stop working. Fortunately, Grady Management provided its employees with coverage under a Long Term Disability Insurance policy and fortunately that policy was with Symetra Life Insurance Company. After leaving work and applying for benefits, Symetra initially approved his claim and in fact paid his claim for a little over two years. Unfortunately, continued benefits were denied by way of a denial letter dated November 1, 2017.
Symetra’s Denial Letter
Symetra’s Policy with Grady Management contained typical policy language that included what is known as the “change in definition of disability.” In this policy (like most group insurance policies with all insurance providers), in order to initially receive benefits a claimant must prove that he or she is prevented “from performing with reasonably continuity the material and substantial duties of your regular occupation…” However, after benefits are paid for 24 months, what it means to be disabled changes. After 24 months of benefits, the claimant then must prove that he/she is prevented “from performing with reasonable continuity the material and substantial duties of any gainful occupation.” As it is clearly tougher to prove that one cannot perform “any gainful occupation”, this is the time period when most insurance companies deny previously approved claims.
This situation was not unique. Armed with the new definition of disability and armed with the opinion of an “Independent Physician Consultant” who performed a review of the medical records, Symetra determined that as of November 1, 2017, the claimant was not disabled from any gainful occupation. Specifically, Symetra stated that he did “not have any restrictions or limitations and that (he had) a full work capacity.” Symetra even stated that there was “no objective physical impairment preventing you from performing any occupation.”
Knowing that Symetra’s conclusions were wrong and knowing that he had no ability to perform any gainful occupation, the claimant knew he needed assistance to fight this denial and he found Attorney Alexander Palamara of Dell Disability Lawyers.
Appeal by Attorney Palamara
After reviewing the denial letter, the claim file and all of the medical records, it was clear to Attorney Palamara that there was no way this honorable man who worked for 37+ years for the same company could possibly perform any gainful occupation. Attorney Palamara reached out to numerous treating physicians and each of them could not have been more supportive of the fact that their patient should be deemed completely disabled no matter what the definition of disability should be. Our appeal focused not only on the significant and overwhelming volume of objective evidence that showed each of his diagnoses and their accompanying symptoms and complications, our appeal also utilized the support of the treating physicians who wrote statements that said that our client “has had a history of mini strokes and multiple medical problems that affect his memory and cognition.” The treating doctors opined that “due to his cognitive impairment (our patient) is totally disabled.”
Thankfully, on the 90th day after the appeal was filed, Symetra reached out to our firm and notified us that our client’s claim was reapproved and that all retroactive benefits would paid as well as ongoing monthly benefits. While our client is happy to be back on claim and getting the benefits he deserves, he knows that the fight will continue. He also knows that Attorney Alexander Palamara will do whatever it takes to keep him on claim. If you have been denied disability benefits by Symetra or any other disability insurance company, please do not hesitate to contact Attorney Alexander Palamara at Dell & Schafer for a free consultation.
Resources to Help You Win Disability Benefits
Get Your Disability Application Approved
Prevent a Disability Benefit Denial
Negotiate a Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
Attorney Alexander Palamara of Dell Disability Lawyers gets LTD Benefits Reinstated for former Walmart Manager who is now found disabled from Any Occupation
NFL Disability Review Board Ignores Evidence of Disability and Appeal Court Reverses Lower Court Decision
California Federal Judge Orders Standard Insurance Company to Pay Disability Benefits to Teacher with Lyme Disease
Reviews from Our Clients
Very satisfied with the work of this team. Took well care of my case and took all the necessary time to be responsive and attentive when I had questions. Guided me through recovery and returning to normalcy. All thanks to Jason & Tabitha, thank you!
I’m extremely satisfied with the experience I have had with this firm from day one. The lawyer who has handled my case, Alex, is very efficient and attentive to all my questions and concerns. They are always aware of how my case has gone and they care about my health. I feel optimistic with them because they are very attentive during the process of my claim. I would not hesitate to recommend families and friends if in any situation they need their services. Kathleen as well has been very well and assisted me with this case. I highly appreciate everything they have done for me.
It’s unfortunate when disability insurance companies come after older disabled policyholders just to help their bottom line. It can be a living nightmare the damage they can do to a family. Dell Disability Lawyers are polite, understanding and knowledgeable. They call you back and answer any question you have no matter how unimportant it can be. The amount of stress they took off of myself and family was incalculable. I recommend them highly to take care of any disability case whether it be filing for benefits or reversing a claim decision. They are outstanding.
I could not have been happier or more appreciative of the hard work they performed on my behalf. I was well briefed on my case and it was closed in a timely manner with a financially successful resolution.
Mr. Symonds and Sonia as well as everyone else we have worked with throughout this process have been very helpful, professional and caring to our situation. We are very thankful to have this great team on our side.
Without them my LTD company was dropping my plan with me still suffering from my accident, even with doctor’s statements I’m still disabled. The LTD company didn’t want to advance my policy to the next stage of years of pay. Dell Disability Lawyers saved my policy, and helped to enforce the LTD company’s own policy (for its policy holder, me) that I would be covered still under the LTD policy I had paid for at my previous job, when my accident occurred. These lawyers know what they are doing and can help you too. LTD companies will try to drop you when you still need coverage just because they don’t want to pay on your policy anymore. Don’t let them break contract with ya because they are trying to get out of it. Hit em with legal action to ensure the continuation of your policy you paid for. Dell Disability worked very well for me and continue to do so.
I was denied long term disability benefits from The Hartford after being on it for years. I found Dell Disability Lawyers after doing research online. In a matter of days they responded and explained to me everything that would be done. Dell Disability Lawyers were able to settle my suit against The Hartford very quickly and responded to me quickly. I would definitely recommend this team of lawyers for anyone that is fighting for their disability insurance.
I have had nothing but a great experience with Dell Disability Law Firm. Mr. Alex Palamara and his team went above and beyond my expectations. They will respond to emails and phone calls in a timely manner. Thank you once again for taking my case.
This law firm is the best so far. MetLife denied me two times, they appealed two times for me and they won of course. So if you are on disability and want a chance at winning your case use this firm Dell disability lawyers, kind courteous understanding and they get the job done. You won’t be disappointed.