A Schoolteacher in Trouble
Ms. X served as a dedicated schoolteacher for more than three decades, passionately engaging in a career that was more than just a job. Teaching was her calling, a way to make a meaningful impact on future generations. She was a firm believer in the power of education, and she loved every moment spent in the classroom. Even as retirement approached, Ms. X had no plans to slow down. She intended to continue shaping young minds for as long as possible.
However, life had other plans. A diagnosis of Lupus and Meniere's Disease dramatically changed everything for Ms. X in November 2021. The symptoms were debilitating for her. They created cognitive issues, weakness, dizziness, fatigue, and severe joint pain. These problems severely impacted her day-to-day life, including her cherished career. It became impossible for her to maintain the demands of teaching. Ms. X could no longer drive to work or stand in front of her classroom. The stress of her situation aggravated her Lupus, making her condition worse.
Resolved to adapt to her new reality, Ms. X sought long-term disability (LTD) benefits. Initially, she received support from The Lincoln National Life Insurance Company (“Lincoln”), which recognized the severity of her condition.
A Sudden, Unnecessary Decision
In a bewildering turn of events, Ms. X’s claim was suddenly terminated. This move was a stark contradiction in her consistent medical diagnoses and her visibly worsening condition. Despite Lincoln's decision, Ms. X's health did not improve. It only declined, further affirming her inability to return to teaching. The very essence of her profession, from engaging with students to managing daily classroom activities, was rendered unfeasible by her health issues.
The abrupt halt of Ms. X's benefits came as a shock. The company stopped her disability benefits, arguing there was no solid proof she still needed it. The evidence of her condition is clear, proven by paper reports and doctor’s opinions. Ms. X’s medical team long ago concluded that her struggles with Meniere's disease and Lupus are both relentless and incurable.
Adding insult to injury, Lincoln hinted that Ms. X might be trying to trick them. It pointed fingers at things like a video showing her eye twitching, casting a shadow of doubt over her honesty. This move threw Ms. X's life into further disarray, and it stirred up serious questions about whether Lincoln was neglecting its duty to care.
Dabdoub Law Firm Fights for Ms. X
In this dire situation, Dabdoub Law Firm emerged as a beacon of hope for Ms. X. It took up her cause with unwavering determination. Focusing its practice on disability insurance, the firm brought a wealth of experience to bear on Ms. X's case.
The legal team meticulously compiled a substantial body of evidence, irrefutably establishing the extent of Ms. X’s disabilities. This proof was comprehensive. It encompassed detailed medical reports that chronologically documented the progression of her condition. Evidence also included compelling witness statements from colleagues and family members. These pivotal testimonies gave firsthand accounts of Ms. X’s daily struggles. Also included were expert opinions that underscored the severity of Ms. X’s symptoms and their impact on her ability to work.
Thanks to Dabdoub Law Firm’s diligence and strategic legal acumen, the narrative around Ms. X's claim was transformed. The firm effectively communicated the undeniable reality of her medical condition and its repercussions on her career. Doing so, it dispelled any doubts previously cast by Lincoln National Life Insurance Company. The firm’s relentless advocacy ensured that the evidence was impossible to ignore or dismiss.
Consequently, Ms. X now receives the long-term disability benefits she rightfully deserves, providing her with the financial support and peace of mind she needs to focus on her health and well-being.
Help from an Attorney with Expertise in Disability Insurance
Disability insurance law is complicated. If your claim for long-term disability benefits was denied or being delayed by an insurance company, it is important to get help from a lawyer with expertise in disability law.
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.
If you need disability insurance, and your insurer is being uncooperative, our team is here to help. You can schedule a free consultation with us by calling (800) 969-0488 or contacting us online.
