Dabdoub Law Firm has successfully secured long-term disability benefits for a Baltimore (MD) man living with disabling neurological complications. He was initially denied the benefits by Mutual of Omaha, which did not provide adequate grounds for the denial, prompting our legal challenge. We are proud to say that this positive outcome was reached without the need to take the case to litigation, which would have slowed down the process for all parties.
Details of Our Client’s Disability
Our client (who will remain anonymous for privacy and confidentiality) is now 76 years old and living with comorbid medical conditions that make it difficult for him to take care of himself. He has also been described by medical experts as a “fall risk patient,” meaning his medical conditions put him at a constant risk of instability and falling over, which could result in a severe or life-threatening injury.
To list only a few of our client’s diagnosed medical conditions:
- Neuropathy
- Hypertension
- Urinary incontinence
- Cognitive impairment
- Chronic pain
- Balance issues
As recently as September 2023, our client slipped and fell in his home, suffering multiple bruises and lacerations to his head, arms, legs, and body. With every day that passes, our client’s fall risk increases, as does his need for day-to-day care and support. This is not a matter of opinion but is instead a fact stated by medical experts.
In 2022, Dr. Erica Dewitt, who evaluated and treated our client, concluded: “[The client] would benefit from significant professional care on a daily basis. He would be well served with the use of a cane. He lives alone and needs another eye. His medical professionals feel he no longer shoulder operate a motor vehicle as there is a possibility of a cardiac event or hypoglycemic event while on insulin that could occur during driving.” Shortly after, Dr. Rodolfo Alfonso also concluded that our client would need “palliative care” and Dr. Dewitt further concluded that he “requires long-term care.”
Mutual of Omaha Wrongfully Denies the Claim
Our client purchased a comprehensive long-term care insurance policy from Mutual of Omaha in 2012. This policy stated that it would provide him with monthly benefits if he became “chronically ill” and required “substantial assistance” to complete “at least two” day-to-day activities. Even though the medical evidence shows that our client needs daily care and suffers from multiple chronic conditions, the insurance company chose to deny his claim.
At Dabdoub Law Firm, all we do, day in and day out, is handle disability claims and denials, so we were prepared to stand up for our client in this case, too. Mutual of Omaha did not provide an acceptable reason for denying our client’s claim, which is not uncommon; insurance companies frequently deny LTD claims without due cause in hopes that the policyholder will give up.
With a stock of medical evidence that thoroughly and clearly explained our client’s disabling conditions and need for daily care, including diagnostic results and MRI scans that clearly demonstrated his health complications, we challenged Mutual of Omaha’s denial. Specifically, Attorney Edward Dabdoub took the lead on this case and urged Mutual of Omaha to reconsider its denial before the case needed to be escalated to a lawsuit, which our firm would be fully prepared to handle. We are pleased to say that the insurance company responded to the challenge letter appropriately and decided to accept our client’s claim for long-term care benefits, as he was originally owed.
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.
