Despite his ability to overcome obstacles, our client’s medical conditions became debilitating. Left with no choice, he turned to The Guardian Life Insurance Company of America for short-term disability (STD) benefits. When Guardian approved his claim only to inexplicably terminate his benefits soon after, our client turned to Dabdoub Law Firm for help.
With the evidence our client provided, Guardian should have not only granted STD benefits but also realized our client was eligible for long-term disability (LTD) benefits. When our firm got involved, we made sure to ask for all the benefits our client was entitled to.
Admissions Advisor’s Medical Conditions Create Physical and Cognitive Impairments
Our client suffers from a myriad of medical conditions and has worked through many of them for many years. Due to his disabilities, he is no longer able to concentrate, remember details, follow through on tasks, or cope with severe fatigue and pain – all requirements for carrying out the duties of his occupation, or any occupation.
Most notably, our client suffers from post-traumatic stress disorder (PTSD), depression, anxiety, chronic pain following spinal surgery, cognitive impairment, sleep dysfunction, and neurological conditions. Additionally, he has been diagnosed with diabetes, coronary artery disease, heart disease, Mast Cell Syndrome, and other physical ailments.
As a result of these conditions, our client is unable to sit for more than 20 minutes at one time or more than 1 hour and 10 minutes in one day. He can only stand and walk occasionally, he cannot safely move about a workplace or in the community, and he has “less than half the grip of a normal man.” These impairments prevent out client from working as an admissions advisor in Boca Raton, Florida.
All our client’s medical records, which include a functional capacity evaluation or “the gold standard in determining physical abilities in an occupational setting,” confirm disability. From his neurologist to his orthopedic surgeon and spine specialists, our client’s providers agree.
Guardian Claims It Did Not Receive Enough Information
Guardian terminated our client’s STD claim because it “did not receive medical information supporting disability.” This decision is puzzling because our client’s doctors consistently filled out Guardian’s forms and indicated his disabilities, including tremors, chronic neck pain, weakness and sensory loss, and chronic headaches.
Still, upon appeal, Dabdoub Law Firm provided Guardian with a complete portrait of our client’s health and asked, once again, for the disability benefits our client deserved.
To avoid litigation under ERISA, Guardian reinstated our client’s STD benefits and approved his LTD benefits.
Disability Insurance Companies Have Lawyers. Shouldn’t You?
Because this law firm was created to focus on disability insurance, we have developed expertise in this complex area of the law.
Our expertise in long-term disability claims means our clients have the backing of a law firm with attorneys who have:
- expertise in disability claims.
- fought all major disability insurance companies and know their tactics.
- a track-record of success.
- won major disability lawsuits that improved the law for claimants.
- recovered millions of dollars in disability benefits.
All our lawyers commit every day of their legal career to helping people get disability benefits from UNUM, MetLife, Prudential, Northwestern Mutual, Hartford, CIGNA, and others.
Federal law applies to most disability insurance claims, so we do not have to be located in your state to help. We help clients nationwide.
Contact Dabdoub Law Firm to get experienced disability lawyers on your side with:
- Submitting a disability insurance claim,
- Appealing a long-term disability denial,
- Negotiating a lump-sum settlement, or
- Filing a lawsuit against your disability insurance company.
Call us at (800) 969-0488 for a free consultation with a disability attorney.
