When someone becomes disabled and unable to work, they may turn to their disability insurance for financial support. Unfortunately, not all claims are approved. Such was the case for Ms. A., whose disability claim was denied by Lincoln, her insurance provider. According to Lincoln, Ms. A.’s occupation as a “Medical…
This case involves a diesel fleet mechanic with severe degenerative disc disease and sciatica whose physically demanding, heavy-duty job became impossible due to chronic back pain supported by clear objective medical evidence (MRIs and imaging). He initially hired a non-specialized law firm that submitted a weak short-term disability insurance application…
This discussion covers a long-term disability case involving a registered nurse whose claim with Lincoln Financial was initially approved but later denied at the 24-month mark, when the policy definition changed from “own occupation” to “any occupation.” The nurse suffered from lumbar spine issues and knee problems that made the…
We discuss a successful appeal against Unum Insurance Company on behalf of a woman in her 40s who worked as a county transportation manager. After suffering a traumatic brain injury from a fall, she was initially approved for disability benefits and paid for six months. Despite ongoing cognitive impairments, memory…
The video discusses a resolved disability insurance lawsuit against New York Life involving a high-level software engineer who was denied both short-term and long-term disability benefits. Despite suffering from severe lower-back pain, radiculopathy, rare Tarlov cysts, and Ehlers-Danlos syndrome, New York Life denied her claims based on a paper-only peer…
Long term disability attorney Stephen Jessup discusses a successful appeal against Lincoln Financial for a resort general manager whose disability claim was terminated after his colon cancer went into remission. Although Lincoln initially approved benefits, it later denied the claim based on an internal paper medical review, ignoring ongoing disabling…
Disability insurance attorney Greg Dell and Steven Dell discuss a successful disability claim for a dentist insured by Protective Life and Unum. The dentist, still working but impaired by chronic orthopedic issues, sought guidance before stopping work. Steven helped carefully prepare and submit comprehensive claims to both insurers. Unum approved…
Disability insurance attorneys Gregory and Steven Dell discuss a recently resolved MetLife disability insurance claim involving a young entrepreneur diagnosed with Dissociative Identity Disorder (DID). The claimant’s symptoms—including dual personality manifestations, severe anxiety and depression, disorientation, and hallucinations—significantly impaired his ability to run multiple businesses. His father initially helped file…
We discuss a federal court victory against Unum in a disability case involving a McKinsey consultant with a mental-health claim. Despite Unum’s multiple medical paper reviews and denial tactics, the judge conducted a de novo review, gave greater weight to treating specialists who had examined the claimant, and ruled in…
Long term disability attorneys Greg Dell and Cesar Gavidia discuss a successful appeal they handled against Unum, a major disability insurance company known for frequent denials. The case involved a high-level legal recruiter who developed severe, near-daily migraines after receiving a COVID-19 booster. Although she had mild, occasional migraines in…