Dabdoub Law Firm has successfully appealed the wrongful denial of a Florida nurse’s long-term disability benefits, which she needed after being caught in a serious car accident. Originally, Life Insurance Company of North America (LINA) rejected her claim by seemingly overlooking the majority of her severe health conditions, including but not limited to chronic pain, migraines, and cognitive impairment. When Attorney Kevin Schaefer returned with a thorough appellate letter, though, the insurance company quickly reversed its decision and agreed to grant our client her much-needed LTD benefits.
Details of the URN Car Accident Case
For years, our client worked as a Utilization Registered Nurse (URN) and appreciated the job to the point that she wanted to follow that career until retirement. In 2018, she was involved in a serious car accident that resulted in permanent injuries, though. From that point on, work was painful and difficult, even when completing sedentary tasks. She tried to keep working but was simply overwhelmed by her many health complications and symptoms, so she felt forced to leave her job in March 2023.
To name only a few of the diagnoses our client received after the car accident:
- Cervical spondylosis
- Myofascial neck pain
- Cervicogenic headaches
- Fibromyalgia
- Chronic pain syndrome
- Osteoarthritis
- Traumatic brain injury
- Migraines with aura
The array of health conditions our client lives with is even more frustrating and painful because it resists treatment. She has used ablations, injections, physical therapy, chiropractic treatment, acupuncture, and prescription medications at the direction of her medical providers—but nothing has ever caused a measurable improvement, especially not to a degree that would allow her to resume work.
Challenging the Insurance Company’s Denial
Even though the consequences of her health conditions are clear and constant, LINA denied her disability claim, which is where Dabdoub Law Firm and Attorney Schaefer stepped in. Throughout his many years of experience, Attorney Schaefer has become indisputably talented in the art of challenging insurance company denials with hard facts and compelling arguments. Using our client’s medical history, which includes extensive testing, doctor’s notes, and prognosis updates from as recent as April 2024, he explained in his multipage response why the denial represented LINA’s abandonment of its fiduciary duties owed to its policyholder. When such a breach occurs, lawsuits are justified, and insurance companies hate being sued.
It is with much professional satisfaction that we can now say that LINA responded correctly to Attorney Schaefer’s thoroughly prepared challenge to the denial. The insurance company decided to grant our client the LTD benefits she paid for and deserved.
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; 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.
