A registered nurse with back issues, arthritis, and fibromyalgia was denied long-term disability benefits by The Standard Insurance Company after 24 months, when the definition of disability changed from “own occupation” to “any occupation”.

To appeal the denial, the nurse’s attorney, Rachel Alters, had her client visit her treating doctors to document her limitations and restrictions, and also participate in a functional capacity evaluation to test her abilities. It is essential to submit all relevant evidence and information during the appeal, as anything not included will not be considered later, and the insurance company will not provide guidance on what to include, making it important to seek professional help.