• Sedgwick Disability Benefit Claims

30 year veteran employee of 3M Company sues company and Sedgwick Insurance for disability benefit denial

An employee of 3M Company as a Key Account Manager for 30 years, the claimant was shocked to find out that his security net disability insurance plan was not so secure when Sedgwick Claims Management failed to meet its obligations to provide him disability benefits should he become disabled while working at 3M Company. With no other options available to resolve his issue with 3M Company and Sedgwick, the claimant engaged the services of a disability attorney and filed a lawsuit against 3M and Sedgwick, alleging ERISA violations, on May 27, 2011 in the United States District Court of Minnesota.

The claimant’s Disabling Condition Documented

Diagnosed in March 2010 with “pain in his right foot and great toe; insomnia; numbness and tingling in his right hand, fingers and arm; hallux limitus, right foot; osteoarthritis of his right foot; right first MTP DJD; status post chilectomy, right great toe; and irregular heartbeat” and in ensuing months, “depression NOS; anxiety NOS; generalized anxiety disorder; and panic disorder” as well as a “history of cervical spine surgeries,” the claimant had had enough after a foot surgery in April of 2010. Consequently, upon the advice of his treating physicians and their documented opinion that the claimant is unable to “perform all material duties of his regular occupation, or of any other reasonable and appropriate occupation,” the claimant ceased work and applied to Sedgwick for his short and long term disability benefits.

The claimant’s Disability Benefits Payments Terminated

Initially, the claimant did receive his short term disability benefits payments from Sedgwick. However, after three months of receiving those benefits, the insurer terminated the claimant’s benefits effective June 21, 2010. In his Complaint the claimant and his disability attorney allege that Sedgwick terminated his disability benefits in violation of the terms of his policy and asked for a copy of the plan. In violation of ERISA 29 CFR § 2560.503-1, Sedgwick provided the claimant with only a Summary Plan Description instead of the complete Plan that is required by law. And even though the claimant wasn’t privy to the complete requirements of an appeal with the insurer, he filed an internal appeal of his short term disability benefits which were denied again and again.

The claimant, still with limited access to his disability policy’s procedures and requirements requested his long term disability benefits and was denied without any reason given for the denial by Sedgwick.

The claimant And His Disability Attorney File A Complaint In District Court As A Last Resort

Consequently, the claimant and his disability attorney allege that Sedgwick “failed to provide a full and fair review” of the claimant’s claim and did not give the claimant a reason for the denial as is required by ERISA, 29 U.S.C. § 1133. The claimant seeks a judgment against 3M and Sedgwick for “the of his short term disability benefits remaining under the 3M Short Term disability Policy… his rights to future long term disability benefits… interest on accrued benefits, and attorneys’ fees, costs” and other expenses.

There is one comment so far

  • 3M and Sedgwick Insurance have been working together to do harm to thier own employees for many years. 3M is a very bad company to work for, so if you are looking for a job do not waste your time with 3M!

    Doug Lanne Apr 16, 2013  #1

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Do you help Sedgwick claimants nationwide?

We represent Sedgwick clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a Sedgwick disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Sedgwick. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by Sedgwick.

How do you help Sedgwick claimants?

Our lawyers help individuals that have either purchased a Sedgwick long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with Sedgwick:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

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When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

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O. Lee

My experience with Dell & Schaefer has and continues to be, outstanding. First, I would personally like to thank Cesar for his experience and expertise in handling my case in addition to his wonderful “legal – eagle” assistant Michal. All communication was handled as though he was across the table from me as he was consistently available whenever I needed him to explain the process and steps regarding the awarding of my LTD benefits that were denied after my in-house appeal.

He was ON MY SIDE the entire time and believed in my case from the beginning and fought for it. I am extremely happy and satisfied with the outcome and if it weren’t for him and his team’s efforts, persistence and preservation, I would have given up. Please do not engage in a LTD denial alone without contacting this firm. They will not sugarcoat anything and they are honest and their integrity is impeccable. You are not alone. They are here for you and I am so glad I made the phone call. Again my deepest thanks to Cesar. You and the Dell & Schaefer team have unlocked the bars of cage I thought I was in.

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