Unum disability appeal results in settlement of Unum long term disability claim
Mr. Z had recently graduated with a bachelor’s degree in information technology from a prestigious New Jersey university, and had landed an amazing job working as a software engineer for an international bank in bustling downtown Manhattan. Mr. Z was excited and saw great potential for his career and life. That is until one day in October when Mr. Z was travelling as a passenger in the front passenger seat of his friend’s car, when another vehicle collided directly into the right side of the vehicle. Mr. Z did not lose consciousness, but was dazed and felt sharp pain in his neck. He was immediately transported to the hospital for x-rays and MRI’s. Mr. Z was released from the hospital but unfortunately his pain persisted. The accident left Mr. Z with pain not only in his neck, but pain in his mid and lower back as well. Mr. Z decided to take two weeks off from work to rest, and hope that his pain would go away, but unfortunately it only worsened. MRI’s revealed that his pain was being caused by herniated discs in his spine, as well as bulging discs resulting from degenerative disc disease.
Software engineer unable to continue working following auto accident
Mr. Z attempted to return to work, but soon found that sitting at a desk and working on a computer only made the pain worse. In fact, maintaining any static position for too long caused pain. He requested that his employer provide him the accommodation of working from home, which his employer granted. However, Mr. Z soon discovered that whether he worked from home or worked from the office, the pain persisted. Mr. Z, with the support of his treating physicians, decided that it was time to submit a disability claim under his employer provided group disability insurance policy with Unum.
Disability claim filed with Unum and STD benefits are approved
Unum received medical records from Mr. Z’s treating physicians which supported that his complaints of pain were very credible. Mr. Z had begun developing paresthesias (numbness) in his left hand, and was undergoing intense physical therapy and painful epidural steroid injections to control his pain. Initially, Unum approved Mr. Z’s short-term disability claim, and after twenty-six weeks of short-term disability payments began issuing long-term disability benefits to Mr. Z.
Unum denies LTD benefits and conducts IME and video surveillance
The trouble for Mr. Z started soon after he received his first long-term disability benefit payment. Unum requested that Mr. Z undergo an Independent Medical Evaluation (IME) with a physiatrist selected by them. The IME concluded that Mr. Z was not limited in any way due to the herniated disks in his neck and spine, but that Mr. Z’s left hand pain resulted from carpal tunnel syndrome or peripheral entrapment neuropathy, and that he would indeed have difficulty with repetitive motion activities, such as typing, but that objectively he would be capable of working full time within the physical demands of his occupation as a software engineer. Unum also conducted video surveillance of Mr. Z, which only showed him being transported to his physician’s office for a consult. Nonetheless, Unum terminated Mr. Z’s disability benefits and informed him he that could submit an appeal with Unum within 180 days.
Following the Unum disability claim denial, Mr. Z contacted Dell Disability Lawyers. It was clear that Mr. Z’s only option was to file an ERISA appeal that would be reviewed by UNUM. Medical records were gathered, further evidence supporting Mr. Z’s claim for disability was obtained, and finally, Mr. Z’s appeal was timely submitted. Following the submission of the ERISA appeal Attorney Cesar Gavidia was able to reach a confidential settlement with Unum.
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Q: Does UNUM periodically review Group Long Term Disability Insurance claims/payments? For example, do they verify medical eligibility every five or ten years?
Q: My group long term disability insurance allows me to work part time up to 20% of my pre-disability earnings without affecting my benefit. If I take advantage of this, will Unum use this to deny my benefit?
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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.
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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.
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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.