A Woman in Decline
In February 2019, Ms. X woke up in terrible pain, and her life changed forever. Since then, she has struggled with ongoing pain, fatigue, dizziness, weakness, migraines, brain fog, and memory issues. Doctors diagnosed her with atypical trigeminal neuralgia, often called the “suicide disease” because of the severe pain it causes.
Ms. X's condition has grown worse since then, even with regular care from specialists. The chronic pain forced her to quit her job in February 2021. After that, she applied for disability benefits and received them.
On October 26, 2023, Ms. X's neurologist checked in on her health. His findings stated that Ms. X cannot work full-time. Her medical issues prevent her from even performing even a sedentary job.
The neurologist pointed out that:
- Ms. X suffers from trigeminal neuralgia, occipital neuralgia, and chronic migraines.
- Ms. X tried many treatments. She had injections, Botox, medication, and scans, but her severe pain persists.
- Trigeminal neuralgia and chronic migraines both cause intense, unending pain.
- Trigeminal neuralgia pain is sharp and crippling, and Ms. X suffers from these conditions.
- Ms. X's symptoms are permanent, and they stop her from working any job.
Later, a vocational consultant also reviewed Ms. X's ability to work. She confirms that since her last day of work, Ms. X has been unfit for her usual job or any other job.
A Decision Based on No Evidence
Despite clear proof of her condition, New York Life Insurance Company ended Ms. X's disability benefits. They relied on a single consultant's view. This doctor claimed Ms. X faces no limits or restrictions.
These findings go against all objective medical facts. They also contradict the insurer's previous agreement regarding Ms. X’s disability status. The doctor provided no medical justification for this conclusion.
This disregard for Ms. X’s extensive medical is unjust and unreasonable. Her ongoing severe pain highlights a dire need for support, and extensive medical records support this fact. Yet, the insurance company callously dismissed these critical details.
NYL’s actions leave Ms. X without necessary financial assistance. It also brings the company's practices into question. The company has ignored substantial evidence from multiple professionals. Moreover, it overlooks the real and debilitating nature of Ms. X's chronic conditions.
Furthermore, Ms. X had already appealed this decision, but NYL wouldn’t budge.
A Law Firm Putting Its Foot Down
When our firm discovered Ms. X’s unfair treatment, we acted immediately. We filed a second appeal on her behalf. This appeal was straightforward and strong. It highlighted Ms. X’s disability with clear evidence. We included both her extensive medical records and witness statements from Ms. X’s family. These statements supported her claim and revealed a personal depth of her daily struggles.
We communicated with NYL directly, and our message was firm. We demanded they reinstate Ms. X’s benefits quickly. Our team emphasized the urgency and necessity of their immediate action. Ms. X’s situation was dire, and the insurance company had to address it.
With tireless work, our firm was able to correct this obvious wrong. We stood with Ms. X and fought for her rights, and we put this unscrupulous company in its place.
Disability Insurance Companies Have Lawyers. Shouldn’t You?
Because this law firm was created to focus on disability insurance, we have developed an 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 that has attorneys who:
- Are experts in disability claims;
- Fought all major disability insurance companies and know their tactics; a track record of success;
- Won major disability lawsuits that created good law; and
- 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. Because federal law applies to most disability insurance claims, we do not have to be located in your state to help. We help clients nationwide.
Call 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; and/or
- Filing a lawsuit against your disability insurance company.
Call (800) 969-0488 to request a free consultation with our trusted Dabdoub disability insurance attorneys.
