A Model Worker Suffering a Disability
Ms. X stopped working in December 2020 due to back issues causing her chronic pain. She has many health problems, such as displaced discs, spinal cord issues, a herniated spinal cord, arthritis in her left knee, numbness, weakness in her legs, anxiety, and depression. These problems cause her severe, widespread suffering.
Ms. X worked for fifteen years as a Senior Claims Examiner at Sedgwick Claims Management Services, Inc. Doctors found a herniation in her spinal cord after a thoracic spine MRI on April 8, 2021. She had spine surgery, but she still feels severe pain. Her neurologist says she cannot work because of the pain.
Chronic pain radiates throughout her body Ms. X’s body. This pain persists despite medication and treatment, leaving her with severe emotional distress.
A neurologist has worked with Ms. X since 2020. In April 2021, he still believed she could not work due to lasting pain. On October 21, 2022, he stated, “She is only able to stand or walk for a few minutes at a time [due] to pain limitations. Even spending most of the date seated, she would not have the pain endurance for an 8-hour workday.”
Ms. X's health has changed her life quite a bit. She has trouble doing everyday things. On three separate occasions, she fell, and now she needs a cane to walk short distances.
An Abrupt, Unnecessary Decision
Prudential began paying Ms. X’s long-term disability benefits on June 8, 2021. Two years after her surgery, Prudential stopped its benefit payouts. They made this decision because of a nurse consultant’s evaluation. The nurse said Ms. X would struggle with moderate activity because of her pain, her bad knee, her weight, and the way she walks. However, the nurse also concluded that Ms. X could do sedentary work.
According to Prudential, Ms. X no longer meets the disability definition. Her medical records disagree, showing ongoing pain and weakness. These chronic issues stop her from working in any job.
Ms. X’s doctors can best assess her condition, not a nurse paid by an insurance company.
A Law Firm Taking Action
Our firm gathered evidence, both old and new, regarding Ms. X's health, and we took statements from Ms. X's friends and family. This information shows how her daily life suffers. Her loved ones see the pain and struggle in her every action.
We are keenly aware of how Prudential’s denial lacks reason. Their decision does not match the clear facts of Ms. X's condition.
In response to this denial, we sent Prudential a strong message, and we made it clear that their choice was wrong. We let them know that we expect them to rethink their stance.
The evidence we sent supports Ms. X's claim. This appeal shows more proof that Ms. X is still disabled, as defined in the LTD Policy. After a complete review of her case, Prudential should see she deserves long-term disability benefits.
We dispute the findings that Prudential used for their denial, and we demand that Prudential reverse their decision. Ms. X needs her long-term disability benefits. The evidence speaks loud and clear.
Because of our fact-gathering and willingness to fight, Ms. X is now enjoying the benefits she richly deserves.
Lawyers with Expertise in Disability Insurance Claims
This law firm has always focused only on disability insurance law. Because we specialize in long-term disability, our clients get the benefit of:
- Having an attorney who is an expert in long-term disability claims;
- Having an attorney who has experience with every major disability insurance company; and
- Being backed by a law firm that has a proven track record of winning tough disability lawsuits.
Call the Dabdoub Law Firm to get experienced disability lawyers on your side. We can help 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.
The firm represents clients nationwide with disability claims governed by federal law, even if we are not located in your state.
Call (800) 969-0488 or contact us online to speak with an experienced disability attorney. Pay no fees or costs unless you get paid.
