Trustmark Approves LTD Claim for Chiropractor with Back Disorders
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 were now filled with various doctors appointments, different kinds of therapies to aide his pain, and even surgery.
However, this client’s disability policy has an exclusion for any injuries related to the neck, and the insurance carrier was working to try to have our client’s injury fall under this exclusion to avoid payment of his disability claim.
Our Firm fought tirelessly, working with his treating doctors and the insurance carrier to show how his disabling condition was more than just his neck; that his back and shoulder conditions were equally disabling, and thus that his medical condition was not excluded from coverage. As a result of our representation, our client’s total disability claim was approved and he continues to receive long-term total disability benefits.
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Showing 8 of 668 Reviews
Mutual of Omaha
90 days and still waiting
I filed for benefits in July, 2024 with an effective date of 7/30 (after the 14 day wait) and today is October 18th and my claim is still pending. They either don't want t... read more >
New York Life
NY Life Short Term Disability Team is Terrible
I am a physician and was in a high velocity rear impact car accident. The person slammed into my stopped car going almost 50mph. Was not physically or cognitively able to ... read more >
Sedgwick
Sedgwick will use the false need for discovery to deny your claim
Sedgwick will use the false need for discovery to deny your claim for as long as possible to wear you down because you are out of work and need the money.Lie, cheat and ... read more >
Unum
Unum does not act as a fiduciary
I received paycheck from 2 sources at work. I was approved for LTD by Metlife within 40 days, no questions asked. I was approved by NWM which was my private own occupation... read more >
Unum
UNUM denied my LTD claim after 6 months although my health continues to decline
An attorney is needed to monitor an open, ongoing claim. I naively thought payments would continue. Review of medical records by a disability attorney before submission to... read more >
MetLife
Horrible STD Service. Run !!!!
For the first time since I can remember my employer did not offer STD as one of my paid benefits so I’m paying for this policy. Had to file a claim on 6-14-25. Went thro... read more >
Reliance Standard
Reliance Standard cut off LTD suddenly claiming I could do sedentary work after 10 plus years… no paperwork sent to appeal
I’ve been on STD then LTD with Reliance since 1/2015. They sent a medical review in December 2024 to my old address which of course I never got the paperwork for. I emai... read more >
Sedgwick
Denial for benefits, Sedgwick is the worst
I was not paid for 7 months on STD. My appeal was finally approved, but in the meantime I lost company match on my 401k, and then they canceled my company insurance. Out o... read more >
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Dell Disability Cases
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Showing 8 of 374 Dell Disability Cases
Chiropractor receives total disability benefits despite neck exclusion language in a Trustmark Insurance Company disability policy
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 ... Read More >
Seven Surgeries and The Standard Still Denies Disability Insurance Benefits
Our client was employed with the State of Oregon as a Technical Support Representative. She sought disability through her employer provider LTD Policy with Standard due to low back, hip, and lower extremity pain. She had two hip, two knee and three back surgeries.After paying her for 1.5 years Standard hired a board-certified neurologist to perform a review ... Read More >
Sun Life Wrongfully Denies Disability After Paying For 23 Months
We represent a 57 year-old claimant who’s occupation was selling commercial vehicles for many years. Her job was very physical as it required her to climb in and out of semi-trucks multiple times a day as well as operate them which was very strenuous. She went out of work in due to ongoing and severe debilitating right hip, low back, and bilateral knee pain... Read More >
Nurse Denied Long-term Disability Benefits by Lincoln After the Definition of Disability Changed
Our client, a registered nurse for Dignity Health, found herself in a difficult situation after being diagnosed with lumbar spondylosis and left knee arthritis. She continued to work, however, struggled while attempting to work through chronic lower back pain and left lower extremity radicular symptoms on a daily basis. Sadly, her condition failed to improve and... Read More >
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