In this long term disability denial, MetLife tried to rely on three different policy defenses to deny disability benefits. MetLife initially paid client for 22 months and then denied LTD benefits prior to the change of definition. MetLife attempted to deny benefits based upon the 24 month mental nervous limitation, neuromuscular limitation and the change of definition from own occupation to any occupation.

Continue Reading MetLife Throws The Kitchen Sink of Disability Denial Reasons At ABInBev Manager

This is an example of Hartford disability benefit denial which never should have been denied. In this Hartford long term disability denial, long term disability lawyer Alex Palamara discusses how he was able to help a Best Buy manager with heart disease to win his disability benefits.

Continue Reading Best Buy Manager with Heart Disease Wins Hartford Disability Appeal

Prudential wrongfully denied long term disability benefits to a registered nurse working for Davita inc. In this long term disability denial Prudential relied on a medical record by a nurse to deny benefits. Attorneys Alex Palamara and Gregory Dell discuss how they were able to get the Prudential disability denial reversed and provide tips for how to avoid a Prudential long term disability denial.

Continue Reading Nurse Wrongfully Denied LTD Benefits By Prudential Wins Appeal

This was a shocking denial by The Standard. Our client, a technical support representative for the state of Oregon was denied long term disability after undergoing two hip, two knee and three back surgeries. After paying benefits for 1.5 years, The Standard relied on a hired-gun doctor to review our client’s medical records and determine that she can work 40 hours a week.

Continue Reading Seven Surgeries and The Standard Still Denies Disability Insurance Benefits

In this Hartford long term disability benefits denial, Rachel Alters discusses how she was able to help a nurse with a knee and back disorders to win her disability insurance benefits. Rachel also provides tips about how to prevent a Hartford long term disability denial. This case was won during the own occupation definition of disability and Rachel is already preparing the claim so that there will be a smooth transition from own occupation to any occupation.

Continue Reading Nurse With Knee and Back Disorder Wins Hartford Disability Insurance Appeal

When family medicine or internal medicine doctors get sick or have a medical condition that makes it difficult to work, they still do not stop working. They show up at their office every day regardless of how they feel. They spent years in medical school and their residency and enjoy their work.

This is used against them when they finally do decide they need to stop. The disability insurance company asks, “What changed? Why can you not work now?” Watch this video to learn more.

  • Strong medical documentation is required in order for a disability claim to be approved.
  • Most disability claimants attempt to work through chronic medical conditions and then the insurance uses this against them.
  • How can a disability insurance company tell a doctor that they are not disabled?

At Dell Disability Lawyers, our ultimate goal is for you to get your claim for LTD benefits approved. You paid the premiums, so you should be getting the disability benefits when you need them when you are unable to do your job.

We help clients anywhere in the country. Take a look at our website for more information and to find videos specific to your personal needs. No matter where you are in the process, whether just contemplating filing a claim, in the middle of seeking claim approval, or if your claim has been denied and you need an appeal, contact us for more information and to see if we can help.

Despite a serious work injury, Lincoln literally told this FPL lineman employee to go a climb a pole. In order to deny long-term disability insurance benefits, Lincoln hired a doctor to review medical records and conclude that our client could return to his heavy duty job of repairing electrical lines.

Continue Reading FPL Lineman Wins Lincoln Financial Disability Denial Appeal

Accountants often have a difficult time having their claim for disability benefits approved. Insurance companies consider the job of an accountant as sedentary, believing all it entails for an accountant to do the job is to sit at a desk for four hours a day. The disability insurance attorneys at Dell Disability Lawyers offer some tips accountants can use when submitting their disability insurance claims. We invite you to watch this video to learn more.

  • There is a strategy in presenting the occupational duties of an accountant. An accountant submitting a claim for disability must provide the insurance company details about their specific job duties including reviewing detailed financial documents, preparing tax returns, the stress involved, and the consequences for a client if the accountant makes a mistake.
  • At least 75% of the accountants we represent at Dell Disability Lawyers have the AICPA disability insurance policy. If an accountant chooses to work in a different occupation, the AICPA policy will not cover them.
  • Cognitive difficulties secondary to physical or mental diagnosis are the number one reason an accountant becomes disabled.

Whatever stage you are at in your claim for disability, whether you are just thinking about filing a claim, have filed a claim and are struggling to provide the insurance company all the documents it needs, or your claim was denied and you are considering an appeal, contact us at Dell Disability Lawyers. Contact one of our disability attorneys to schedule a free consultation.

Getting approved for long term disability benefits can be challenging, but the challenge is even greater when you have three different disability policies. Every disability policy has it’s own language and every disability company requires different claim forms.

Continue Reading Anesthesiologist Approved for Long Term Disability Benefits Plus an Extra 9 Months of Benefits