Unum Pays One Million Dollars in Disability Benefits to Disabled Lawyer After Reviewing Disability Appeal Submitted By Dell Disability Lawyers
One day, our client woke up with a severe headache and was unable to go to work. Her headache was so severe that she went to the emergency room and had a CT scan and a spinal tap to rule out meningitis. She hoped her headache would go away, but after 4 days in the hospital and numerous medications the headache continued. The doctors completed every possible test to determine the cause of the headaches and then told her she should feel better shortly. Unfortunately, five months later she continued to experience a constant daily headache and was still unable to return to work. Her employer provided a UNUM disability insurance policy that would pay her $40,000 a month if she was unable to perform the duties of her occupation. Unum initially approved her disability claim, but after paying for three months Unum denied benefits and sent a letter stating, “The level of care and known activity is inconsistent with headaches that would rise to a level of impairment.” Shortly after receiving the denial, disability attorney Gregory Michael Dell was hired to appeal the Unum disability denial.
Headache Claims are Always Challenged By Disability Insurance Companies Such as Unum
This disability claim was highly scrutinized by Unum due to the large monthly benefit of $40,000. Prior to becoming disabled our client was earning in excess of $1.2 million annually and she billable hourly rate was $1,000. She was a finance transactional lawyer with a mostly sedentary job. Her duties required her to work on multi million dollar financing agreements for some of the world’s largest banks. She supervised 8-10 lawyers and any financing deal required her to be in communication with more than 30 people. Unum claimed that despite her headaches and difficulty focusing, that she should be able to work. Unum claimed she was not taking enough medication and since she could jog for 30 minutes twice a week, that she could work at least 40 hours a week.
Disability Attorney Gregory Dell Submits an Extensive Appeal and Unum Denial is Reversed
Through a coordinated effort with more than 8 different physicians and extensive occupational job description, Unum finally understood why our client could not perform her job. Unum was also educated about the extensive medical literature which encourages exercise for people suffering with chronic daily headaches. Unum also claimed that our client was not taking enough medication, yet UNUM failed to previous consider the extensive medical literature discussing how Medication Overuse can cause more headaches for a person. There are numerous types of headaches and extensive medical literature which discusses the potential treatments for people suffering with headaches. More than 100 million people suffer from chronic headaches. There are virtually no medical test available which can verify or measure the pain a person experiences while having a headache. Insurance companies often take advantage of this and unreasonably deny claims. In the instant case, our client was very pleased that once Unum reviewed the Appeal we submitted, that they accepted their erroneous disability denial and paid past due benefits. The client has received $1,300,000 plus she will receive a monthly check each month for as long as she is unable to work as an attorney.
Our client retained Dell Disability Lawyers pursuant to a contingency fee agreement, which means that she did not pay any attorney fees until a recovery was made on her case. If no recovery was made, then the client would not have been responsible for any attorney fee or costs. This case was not litigated since we won the ERISA appeal.
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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?
Q: Unum discontinued the "long term Buy out option" in 2014. I was never aware of or informed of this action by Unum.
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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.