Our Resolved Disability Insurance Claims

A Certified Registered Nurse Anesthetist spends her entire career making split-second, life-or-death decisions in an operating room. After a COVID-19 infection left our client unable to trust her own memory and concentration, she did the responsible thing and stopped administering anesthesia. Unum paid her long-term disability benefits for nearly four years — and then abrupt...

MetLife paid our client's long-term disability benefits for nearly three years — then terminated them, claiming his file no longer proved he was disabled. Nothing about his condition had changed. Our client is a Senior Director of Software Engineering at Salesforce, and he lives in Arkansas. His chronic migraines are triggered by the very computer screens his ...

Hartford looked at a man who had survived four spine surgeries and concluded he could go back to "light duty work." Our client flew commercial aircraft for ConocoPhillips out of Alaska, and degenerative disc disease, chronic radiculopathy, and a string of related spinal and neurological conditions had left him unable to sit for more than about thirty minutes at a stretch — a...

Prudential paid this claim for months — and then cut it off. Our client, a Supply Chain Analyst for Ericsson in Texas, had survived a hemorrhagic stroke that required emergency brain surgery and left her with lasting weakness in her dominant hand, neurological deficits, and serious psychiatric conditions. Prudential decided she could return to a high-pressure ...

Prudential paid our client's long-term disability benefits for two full years — then cut them off the moment the policy's definition of disability was about to get harder to meet. He is a United Airlines ramp serviceman from Illinois who stopped working because of primary progressive multiple sclerosis and the cascade of neurological problems that came with it...

Hartford denied long-term disability benefits to a registered nurse with a traumatic brain injury — a Hartford long-term disability denial built on the claim that there was no evidence of cognitive impairment, even though Hartford never required or obtained neuropsychological testing. Our client, a Clinical Review Coordinator at UnitedHealth Group in Florida, ...

Lincoln Financial terminated our client's long-term disability benefits at the 24-month mark — after two full years of agreeing he was too disabled to perform his own sedentary occupation as a Human Resources Advisor at Hitachi America in Florida. Our client suffers from cardiac stent stenosis and multiple spinal and neurological conditions, including cervical...

MetLife terminated our client's long-term disability benefits — despite her own treating psychiatrist confirming she could not work full time, part time, or in any modified work environment. MetLife's hired reviewer simply disagreed, and that was enough for MetLife to cut her off.Our client was a Senior Technical Product Manager at Visa Inc. in Florida, di...

Unum terminated our client's long-term disability benefits after paying them for nearly three years — not because his medical condition improved, but because the definition of disability in his policy changed. That decision was wrong, and we proved it.Our client, a Virginia service supervisor for Cummins, had been out of work since suffering a heart attack...

MetLife terminated our client's long-term disability benefits — not once, but twice — despite overwhelming medical evidence that she was too physically impaired to work. Our client, a Team Leader for American Express in Florida, had been forced to stop working due to high-output congestive heart failure, chronic bilateral lymphedema, and a constellation of s...

New York Life denied continued long-term disability benefits to our client — a Florida process manager employed by Winpak with L5-S1 spondylolisthesis and related spinal conditions — at the exact moment his policy's definition of disability changed from own-occupation to any-occupation. The insurer relied entirely on a paper review by a non-examining physici...

Principal Life Insurance Company terminated our client’s long-term disability benefits for POTS and dysautonomia at the 24-month mark on the strength of a paper review by an internal-medicine doctor and a handful of social media photos showing her on a hike. That was the “evidence” that overrode two years of paid benefits, a TPN line, and a multi-system au...

New York Life paid our client's long-term disability benefits for two years — and the moment the policy definition shifted at the 24-month mark, the insurer cut her off. She had spent 38 years at Lockheed Martin Corporation as an Information System Security Officer in Georgia, doing work built on classified cybersecurity, technical guidelines, sustained computer use, and det...

Lincoln Financial terminated long-term disability benefits for a North Carolina Hitachi Energy project manager after more than three years of payments — cutting him off precisely when the policy definition shifted from own occupation to any occupation. Our client had suffered a heart attack, required coronary stent placement and a pericardial window procedure,...

Northwestern Mutual denied a self-employed Texas commercial real estate agent's long-term disability claim by farming his file out to four separate paper reviewers — and then denied it a second time after his treating doctors disagreed. None of those reviewers ever examined him. None of them treated Lyme disease.Our client had spent years building a succes...

MetLife denied our client's long-term disability claim twice in less than two years — both times by relying on a non-examining psychiatrist who never laid eyes on her, and both times by ignoring the lupus, connective-tissue disease, and joint hypermobility that were independently destroying her ability to work.Our client is a Texas customer service represe...

Hartford terminated long-term disability benefits to a commercial driver who had survived two ventricular fibrillation cardiac arrests, lived with a permanently implanted defibrillator, and was federally barred from ever holding a CDL again. Hartford's stated reason was that the loss of his commercial driver's license, by itself, did not make him disabled.Ou...

MassMutual terminated our client's disability benefits the moment it learned he had returned to work — without ever analyzing whether the new role matched the demands of his prior occupation. Our client, a New York-based Vice President in real estate investments for GIC, had been forced to stop working due to severe generalized anxiety disorder, adjustment dis...

New York Life denied long-term disability benefits to an Arizona-based Veradigm Expert Solutions Specialist — a highly skilled IT professional responsible for delivering complex technical presentations to healthcare executives — based almost entirely on a paper review by a physician who never examined her, never spoke to her, and never evaluated the cognitiv...

Standard Insurance Company terminated our client's Individual Disability Income benefits the moment her policy's Mental Disorder Limitation period expired — even though she had developed severe, permanent orthopedic injuries that had nothing to do with her mental health and that independently made it impossible for her to ever return to her work as a dental hy...