A Woman with a Debilitating Eye Problem
Ms. X, once a dedicated Research Ops Specialist, found her life taking a turn on September 10, 2023. Her battle with Retinitis Pigmentosa (RP) forced her onto disability. RP, as explained by the National Eye Institute, is a rare and incurable group of eye diseases affecting the retina, which captures light and images.
RP is a genetic condition, and it gradually wears down the retina's cells. This process, typically beginning in childhood, leads to a progressive loss of vision. The disorder often results in significant sight loss over time, beginning with an inability to see in low-light conditions. As RP progresses, an individual's visual field narrows dramatically. Usually, the condition causes vision that is described as looking through a tunnel, where both peripheral and central vision are lost.
Because of these complications, Ms. X applied for both short-term and long-term disability benefits.
A Slow Response
Despite solid evidence of Ms. X's condition and the clear impact it had on her work, Guardian Insurance was unresponsive to her request. This silence added more distress to Ms. X’s already challenging situation.
Documentation from Ms. X’s doctors detailed the severity of her condition and its inevitable progression. She also had records of her employment and the demands of her role. Even so, this clear evidence seemed insufficient to prompt action from Guardian.
The insurer’s unresponsiveness left Ms. X navigating a precarious financial and emotional state. Her added stress compounded she already faced while battling Retinitis Pigmentosa, and the delay in processing her claims hindered her access to necessary support.
Success with Help from a Law Firm
Recognizing the dire need for help with her insurance claim, Ms. X reached out to Dabdoub Law Firm. This legal team focuses its efforts on disability insurance law, and it is known for its aggressive advocacy for individuals who need their rightful benefits. Consequently, the attorneys immediately took action after reviewing Ms. X’s case.
The firm compiled and sent the insurer a comprehensive dossier. It included evidence corroborating Ms. X's condition and entitlement to disability.
This packet included:
- Detailed medical records from leading specialists in Retinitis Pigmentosa
- Testimonies regarding the harmful effect of RP on Ms. X’s daily functionality
- A thorough analysis of Ms. X’s job requirements juxtaposed with her physical capabilities, or lack thereof, owing to her deteriorating condition
Dabdoub Law Firm’s involvement signaled a pivotal turn in Ms. X's pursuit of justice. The team employed their knowledge of the legal framework governing disability insurance and the medical nuances of RP. By doing so, the firm provided much-needed leverage against the insurance company's previously unyielding stance. Ms. X now enjoys the benefits she deserves, allowing her to focus on her recovery.
Shady Insurance Tactics
Insurance companies, at their core, operate as for-profit entities. They are inherently motivated by financial gain. This fundamental aspect of their business model means they have a vested interest in minimizing payouts. By denying or delaying claims, insurers can effectively retain more funds, bolstering their profitability. This practice is financially advantageous for the company, but it is a detriment to claimants. During challenging times, injured or ill people need support that they do not get.
Insurers can meticulously examine any records they receive to justify their delays and denials. This scrutiny is not for verification purposes. Instead, it is a search for any excuse to find grounds for denial. The company will claim this examination helps prevent fraudulent claims, but more often, it places an undue burden on legitimate requests.
The complex and opaque nature of many insurance policies also contributes to delays and denials. Policyholders may unintentionally fail to meet all the stipulated conditions to receive claim approvals, leading to prolonged disputes and negotiations.
When faced with these unfair denials, people need a law firm to step in and help.
Why Us?
- Our lawyers specialize in disability insurance.
- Our lawyers have experience with UNUM, Hartford, CIGNA, Reliance Standard, and just about every other insurance company.
- Our lawyers have won tough disability insurance lawsuits.
- Our lawyers have recovered millions in disability benefits for clients who were wrongly denied.
Because federal law applies to most disability insurance claims, we do not have to be located in your state to help. Dabdoub Law Firm represents clients nationwide with:
- Submitting a disability insurance claim;
- Appealing a long-term disability denial;
- Negotiating a lump-sum settlement; and/or
- Filing a lawsuit against your disability insurance company.
Dabdoub Law Firm has helped countless clients like Ms. X get the disability insurance they are entitled to. If you are in a similar situation, contact our team for a free consultation. You can reach us online or by phone at (800) 969-0488.
