Disability Blog & Cases:
New York Federal Court Denies MetLife’s Motion To Dismiss Lyme Disease Victim’s Petition For Disability Benefits

In the case of Karen N. v. Metropolitan Life Insurance Company et. al, the United States District Court of New York, after hearing arguments from both sides regarding MetLife’s Motion to Dismiss the case, denied the motion in its entirety and directs the parties to appear for a status conference to determine how and when the case will proceed. And, while the Court did deny the insurer’s motion, that doesn’t mean that Karen N. will receive a favorable outcome in her lawsuit to receive her disability benefits. It does mean that the Court believes that the case deserves to be heard and ruled upon once all facts have been established.


Disability Blog & Cases:
Pennsylvania Pharmacy Owner Learns The Hard Way That Accuracy Is Everything When Applying for Disability Insurance Benefits

On January 28, 2011, the United Sated District Court of the Eastern District of Pennsylvania granted Berkshire Life Insurance Company of America’s Motion for Summary Judgment in Michael S. v. Berkshire Life Insurance Company of America, et. al. In addition, the plaintiff’s disability policy and FIO policy were rescinded negating…


FAQ: Social Security Disability Benefits
Can My Disability Insurance Benefits Be Denied If I Am Approved For Social Security Disability Benefits?

Disability Insurance Attorneys Gregory Dell and Cesar Gavidia discuss the misconception that a claimant will be approved for long term disability insurance benefits if social security disability benefits are approved.

A Virginia disability lawyer recently filed a federal lawsuit against The Guardian Life Insurance Company Of America (Guardian). The Plaintiff, Randal M., worked as a Master HVAC Installer for Parrish Services in Manassas, Virginia since October 15, 2008. Due to this employment, he was eligible for and enrolled in an employee welfare benefit plan that provided long-term disability benefits. These benefits were sponsored by Parrish Services and were underwritten and administered by Guardian.

In Randal M. Vs The Guardian Life Insurance Company Of America, Plaintiff filed a disability lawsuit to recover the long-term disability benefits wrongfully denied by Guardian.

Case Facts Against Guardian

Plaintiff worked as a Master HVAC Installer for Parrish Services in Manassas, Virginia since October 15, 2008. Plaintiff also had certifications to work as a gasfitter, plumber, HVAC, and electrician for Parrish Services.

In August 2009, Plaintiff was first diagnosed with an injury or illness to his spine at Lumbar 3 (L-3) and Lumbar 4 (L-4), which eventually led to his being totally disabled. Plaintiff applied for and received short-term disability benefits from Guardian. Plaintiff then applied for long-term disability benefits after the short-term disability benefit payments had run out.

Denial of Long-Term Disability Benefits By Guardian

In April 2010, Guardian denied Plaintiff long-term disability benefits due to the stated reason that the Plaintiff’s condition was pre-existing, making him ineligible for long-term disability benefits as defined by the Plan.

Plaintiff applied for Social Security Benefits and received them beginning on June 1, 2010. Due to the fact that Guardian’s Long-Term Disability benefit is a greater amount than Plaintiff’s Social Security Disability benefit, Guardian is required to supplement the Social Security Benefit amount.

Plaintiff became totally disabled at age 51. Guardian’s Long-Term Disability benefit is to provide LTD benefits to the Plaintiff up to the age of 65. Plaintiff was never diagnosed or treated for an injury or illness to L-3 and/or L-4 before August 2009, thereby negating Guardian’s stated reason of a pre-existing injury or illness making Plaintiff ineligible for LTD benefits as defined by the Plan.

Plaintiff has exhausted his administrative remedies, thereby leading to the filing of this lawsuit against Guardian.

Disability Attorney Files Disability Lawsuit Against Guardian

In the lawsuit, Plaintiff claims that Guardian failed to provide the following to the Plaintiff:

  • Guardian did not follow the terms of the Plan in determining that Plaintiff was ineligible to receive long-term disability benefits
  • Guardian did not arrive at the proper conclusion that the Plaintiff was eligible for long-term disability benefits because it claimed that the Plaintiff had a preexisting injury or illness in his spine, which was shown to not be the case during the look-back period as defined in the terms of the Plan
  • Guardian did not provide long-term disability benefits as were promised under the terms of the Plan

Plaintiff claims that Guardian committed the following wrongful actions against the Plaintiff:

  • Guardian committed an abuse of discretion of determining that Plaintiff was ineligible for LTD benefits based on a conflict of interest as both decision-maker and payer of benefits under the Plan
  • Guardian caused Plaintiff damages currently unknown to the Plaintiff, but will be approximate to the amount of benefits due to the Plaintiff since April 2010
  • Guardian will continue to cause damage to the Plaintiff each month until Plaintiff reaches 65 years of age due to the wrongful denial of LTD benefits, an approximate value of $1,335.00 per month

Relief Sought By Plaintiff In Guardian Lawsuit

Due to the wrongful actions of Guardian, Plaintiff seeks the following relief:

  • Guardian pays all long-term disability benefits to the Plaintiff from April 2010 to the present date, along with all accrued interest at the greater interest rate of the prime rate or the rate earned by Guardian on the unpaid policy benefits since April 2010
  • Guardian pays all future long-term disability benefits to the Plaintiff so long as he remains eligible under the terms of the Plan
  • Guardian pays all of Plaintiff’s attorney fees and cost of experts
  • Guardian pays all associated court costs
  • Guardian pays punitive damages according to the proof that is presented in the case
  • Guardian pays all other relief that is deemed proper and just by the Court 

About the author: Gregory Michael Dell is an attorney and managing partner of the disability income division of Attorneys Dell & Schaefer. Mr. Dell and his team of lawyers have assisted thousands of long-term disability claimants with their claims against every major disability insurance company. To request a free legal consultation call 800-411-9085.

In Maryland Federal Court, a four-year employee (working as a receiver) at Weis Markets, Inc. ceased working in October 2009 due to cervical surgery that she had to undergo for repair of injuries she sustained in a car accident in October 2008. After being denied long term disability benefits by Guardian, she was forced to hire a Maryland disability attorney and file suit.

Suffering from occipital headaches, neck pain, stiffness, and radiation in her arms, the claimant was diagnosed with cervical radiculopathy that required surgery for a "cervical fusion and decompression of C5-C6 with replacement o instrumentation," which left her with a "30% permanent partial impairment of her neck."

Denied Long Term Disability Benefits

Not eligible for short term disability benefits, the claimant applied to Guardian Life Insurance Company of America for her long term disability benefits as provided by her employee plan with Weis Markets, Inc. In a letter dated June 18, 2010, Guardian Life denied the claimant her long term disability benefits, after it concluded that the claimant was capable of performing her "prior job duties," which included the "ability to life a heavy garage door." The claimant appealed the insurer’s decision, sent additional documents in support of her inability to work at her previous job, and was again denied her Guardian Life disability benefits. On June 21, 2011, the claimant received her final denial from Guardian Life, in which the insurer upheld its original decision, forcing the claimant to hire a disability lawyer to file a lawsuit to try to collect on the disability benefits she is entitled to through her employee disability plan.

Lawyer Appeals to Maryland District Court for Relief

Claiming that Guardian failed to "conduct a full and fair review and that the decision to deny disability benefits to the claimant was unreasonable and not supported by substantial evidence" for the denial of her benefits, the claimant and her lawyer filed suit in District Court on August 17, 2011. In the complaint, the claimant and her lawyer ask the Court for the following relief:

  • Payment to the claimant of all long term disability benefits due under her Guardian plan from June 1, 2010 to the present and continuing;
  • Judgment against Guardian for "all amounts due and owing" on the claimant’s disability benefits;
  • Attorney’s fees pursuant to 29 U.S.C. § 1132; and
  • "Any and all other relief to which the Plaintiff may be entitled or the nature of this cause of action may require."

Maryland District Court will Decide if The claimant is Disabled or Not

The issue in this suit revolves around the question as to whether or not she meets the definition of disabled per her employee insurance policy. The claimant and her attorney are confident that she does meet the criteria as she cannot lift the heavy garage door that is a duty under her employment requirements. Consequently, they claim that her lawsuit has substantial evidence that Guardian has not conducted a full and fair review of her claim and that the insurer unreasonably denied her claim as a result of that failure. The claimant and her disability attorney allege that Guardian has breached her contract with her by not providing her disability benefits as promised, and that the insurer’s denial of her disability benefits is "arbitrary, illegal, capricious, unreasonable, discriminatory and not made in good faith." 

About the author: Gregory Michael Dell is an attorney and managing partner of the disability income division of Attorneys Dell & Schaefer. Mr. Dell and his team of lawyers have assisted thousands of long-term disability claimants with their claims against every major disability insurance company. To request a free legal consultation call 800-411-9085.

A federal lawsuit was recently filed by a Florida disability attorney against the Berkshire Life to recover monthly disability benefit payments wrongly withheld. As a Senior Strategic Accounts Manager for Walgreen’s, Inc., George F., was covered by Berkshire’s monthly disability benefit plan.

The Facts of the Case Against Berkshire Life Insurance Company Of North America

The plaintiff, George F., suffers from multiple medical conditions and symptoms, including herniated disk, radiculitis, spondylosis, spinal stenosis, intractable radiculopathy, and L5-S1 retrolisthesis. Plaintiff has undergone diskectomy, foraminotomy, and L5-S1 facetectomy due to these conditions and symptoms.

Due to these conditions, Plaintiff attempted to work in a reduced capacity from July 27, 2009 to September 30, 2009, but ceased working on September 30, 2009 due to being unable to work in a reduced capacity.

In accordance with the procedures set forth in the Plan and fitting the terms of the "Total Disability" provision in the Plan, Plaintiff filed an Individual Disability Claims Notice of Claim Form to Berkshire on January 20, 2011.

Delay of Berkshire Disability Benefits Claim

Berkshire has not yet made a determination in regards to Plaintiff’s disability claim. According to the Plan, Plaintiff may bring legal action against Berkshire within 60 days after a submittal of proof of loss, as Plaintiff has done.

Plaintiff also added an Attending Physician Statement in his submittal to Berkshire on May 24, 2011. An Orthopedic Surgeon informed Berkshire that he was restricting Plaintiff’s workload, including not lifting objects that weighed more than five to eight pounds. The doctor also stated that Plaintiff was a likely candidate for additional surgery in the future to correct his spinal ailments. All of this further aids the claim that Plaintiff meets the definition of "Total Disability" as defined in the Plan.

Berkshire’s failure to reach a decision in a timely and reasonable manner regarding the Plaintiff’s claim violates the terms of the Plan and Florida law. As a result, Plaintiff has retained an attorney and has filed this lawsuit.

Florida Disability Lawyer Files Lawsuit Against Berkshire

According to the lawsuit, Berkshire is alleged to have failed to provide the following to the plaintiff:

  • Monthly disability payments as defined by the Plan, along with interest, through age 65
  • Honor its obligations as defined by the Plan
  • Comply with the terms of the Plan

Relief Sought By The Plaintiff In The Berkshire Lawsuit

Due to Berkshire’s actions, Plaintiff wants the following relief from the Court:

  • A jury trial on all issues that are deemed to be triable
  • All contractual benefits and pre-judgment interest
  • All premiums since the date of Plaintiff’s disability
  • All court costs
  • All attorney’s fees
  • All further relief that the Court deems to be proper and just

About the author: Gregory Michael Dell is an attorney and managing partner of the disability income division of Attorneys Dell & Schaefer. Mr. Dell and his team of lawyers have assisted thousands of long-term disability claimants with their claims against every major disability insurance company. To request a free legal consultation call 800-411-9085.

An Illinois disability attorney recently filed a federal lawsuit against the Guardian Life Insurance Company of America. The plaintiff had contracted with Guardian Life to provide disability income insurance. Plaintiff filed a disability lawsuit to recover disability benefits that were wrongfully withheld by Guardian.

The Facts of the Case Against Guardian Life Insurance Company Of America

"Total Disability" in the Plan is defined by the following:

"Due to sickness or injury, you are not able to perform the major duties of your occupation."

Plaintiff became disabled in December 2009, suffering a severe shoulder injury that required surgery. This has restricted him from performing the physical duties that he performed before the injury occurred.

Plaintiff sent a timely application for benefits and submitted proof of loss, including a certification of his disability by an attending physician. Other documentation that was requested by Guardian was also provided.

Guardian was to provide monthly disability income benefit payments to Plaintiff if he ever became disabled. The monthly payments were to be for $2,160, plus the cost of living benefits in the event of Total Disability. This policy has been in effect since May 22, 1989 and continues to remain in full force and effect due to all of the premiums being paid on time.

Denial of Guardian Disability Benefits Claim

Despite the submission of the materials above, Guardian continued to ask for additional documentation and failed to approve Plaintiff’s claim as of July 25, 2011.

Disability Lawyer Files Lawsuit Against Guardian

According to the lawsuit, Plaintiff claims the following:

  • Guardian is in breach of the contract of insurance
  • Guardian owes Plaintiff total disability payments under Policy No. G509736-4, corresponding to 3 months after the date of loss
  • Guardian also owes for cost of living adjustments since that time
  • A declaratory judgment should be granted that declares Plaintiff is entitled to monthly benefits as long as Plaintiff continues to meet the terms and conditions of the insurance policy

Relief Sought By Plaintiff In Guardian Lawsuit

Due to Guardian’s actions, Plaintiff asks for the following from the Court:

  • All benefits owed to the Plaintiff, along with accrued interest
  • Declaration that Plaintiff is entitled to all future benefits so long as Plaintiff meets the standard for being totally disabled in the Plan
  • All other relief that the Court finds just and proper 

About the author: Gregory Michael Dell is an attorney and managing partner of the disability income division of Attorneys Dell & Schaefer. Mr. Dell and his team of lawyers have assisted thousands of long-term disability claimants with their claims against every major disability insurance company. To request a free legal consultation call 800-411-9085.

A Texas disability attorney recently filed a federal ERISA lawsuit against the Guardian Life Insurance Company of America after Guardian incorrectly denied long term disability benefits.

The Facts of the Case Against Guardian Life Insurance Company Of America

Plaintiff worked at Integra and was a participant of its Long-Term Employee Welfare Plan.

Plaintiff suffers from a medical condition, "organic brain syndrome" or "organic delusional or hallucinogenic syndrome," which is an exception to the limitation of coverage for "medical conditions."

This condition will not allow the Plaintiff to perform the duties of any occupation as defined in the Plan.

Denial of Guardian Disability Benefits Claim

On August 6, 2010, Guardian stopped paying LTD benefits to the Plaintiff.

Guardian also denied Plaintiff’s appeal.

Plaintiff has complied with all of the requirements to exhaust every administrative appeal.

Plaintiff was and continues to be disabled as defined by the terms of the Plan.

Guardian was both the determiner of claims and the payer of claims, indicating a conflict of interest.

Texas Disability Lawyer Files Lawsuit Against Guardian

According to the lawsuit, Plaintiff claims the following:

  • Plaintiff is entitled to LTD benefits as defined in the Plan, as Plaintiff has met the definition of "disability" described in the Plan.
  • Plaintiff has met the obligations to make a proof of claim in accordance with the terms of the Plan.
  • Guardian’s decision to deny benefits to the Plaintiff was capricious and arbitrary.
  • Plaintiff seeks benefits from Guardian that have not yet been paid.

Relief Sought By The Plaintiff In The Guardian Lawsuit

Due to Guardian’s actions, Plaintiff seeks the following from the Court:

  • An award that encompasses reasonable and necessary court costs to the Plaintiff, as well as attorney’s fees due to the filing of this lawsuit.
  • Guardian pays Plaintiff full employee benefits that have incurred and that have not been paid yet.
  • Guardian reinstates Plaintiff on the Plan for future payments in accordance with the terms of the Plan.
  • Guardian reinstates waiver of premium status for Plaintiff’s life insurance.
  • Guardian is to pay all reasonable attorney’s fees that have been incurred as a result of filing this lawsuit.
  • Guardian is to pay pre-judgment and post-judgment interest on benefits owed to the Plaintiff.
  • Guardian is to pay all costs that the Court finds to be just and proper. 

About the author: Gregory Michael Dell is an attorney and managing partner of the disability income division of Attorneys Dell & Schaefer. Mr. Dell and his team of lawyers have assisted thousands of long-term disability claimants with their claims against every major disability insurance company. To request a free legal consultation call 800-411-9085.

Disability Blog & Cases:
Disabled South Carolina doctor sues Berkshire Life for disability benefits

A South Carolina disability attorney recently filed a federal lawsuit in South Carolina against the Berkshire Life Insurance Company of America. The plaintiff, a physician, paid for disability policies that were underwritten and insured by Berkshire. When the doctor applied for disability benefit, Berkshire refused to pay.


Disability Blog & Cases:
TRW Automotive Holdings Corporation financial analyst suffering from Type II diabetes and heart condition sues Prudential

A Michigan disability attorney recently filed a federal ERISA lawsuit in the district court for the Eastern District of Michigan against Prudential Financial Inc. in order to recover short-term and long-term disability benefits that were wrongfully withheld by Prudential and TRW.


Disability Blog & Cases:
Life Insurance Company of North America sued under ERISA in three different cases for denial to pay disability benefits

Three different lawsuits were recently filed by disability lawyers under the Employee Retirement Income Security Act (ERISA) against the Life Insurance Company of North America (LINA) in the Federal Courts of Illinois and Minnesota for improper denial of claims for disability benefits.

Disability Blog & Cases:
Medical Doctor sues Guardian / Berkshire Life Insurance Company Of America for $1.2 million dollars following denial of disability insurance benefits

Recently, in the case of Laser & Cosmetic Dermatology S.C and Jawdat Abboud Vs. Guardian Life Insurance Company Of America, Berkshire Life Insurance Company of America filed at the District Court for Northern Illinois Eastern Division, the plaintiff Jawdat Abboud through his Illinois disability attorney alleged that the Berkshire Life Insurance Company of America (a subsidiary of Guardian Life Insurance Company Of America) had caused him and his business to suffer damages due to the Berkshire Life Insurance Company of America (Berkshire) wilful conduct in constructively denying the plaintiff’s disability claim benefits due under the insurance policies that he purchased and contracted from Berkshire.


Disability Blog & Cases:
Medical Secretary suffering from “failed back syndrome” and leukemia sues The Standard Insurance Company for disability benefit denial

Despite numerous disabling medical conditions, The Standard Insurance Company Denied disability benefits. The plaintiff was a medical secretary working at a private practice. By virtue of her employment, the plaintiff became eligible for coverage under the Standard Insurance’s Select Trust Group Policy, Long Term Disability Benefits, Group Policy. Under the terms of the Plan, Standard Insurance is the Plan fiduciary and insurer.


Disability Blog & Cases:
CIGNA pays disability benefits for 10 years, offers a lump sum buyout and then denies disability claim

The case of Therese Regan vs. CIGNA Corporation d/b/a CIGNA Group Insurance and Pactiv Corporation concerns a former Pactiv Corporation’s Lab Technician who recently, through a New York disability attorney, filed a lawsuit at the District Court for the Northern District of New York against the CIGNA Corporation for wrongfully denying her claim for disability benefits.

Resolved Cases:
Hartford reverses disability benefit denial after previously paying 62 year old sales rep for 6 years

Our client, a 62 year old former pharmaceutical sales rep, had been receiving long term disability benefits with Hartford Insurance Company for nearly six years due to chronic back pain, which had resulted in six surgeries in a span of several years, when Hartford abruptly terminated his claim for long term disability benefits.


Disability Blog & Cases:
Guardian Life Insurance seeks overpayment of disability benefits for child social security disability benefits awarded to disabled claimant’s daughter

A recent lawsuit filed against Guardian Life Insurance Company highlight an issue that comes up regularly for disability insurance claimants that have minor children and are approved for Social Security Disability Benefits. Monica Johnson has been receiving long-term disability benefit payments from Guardian Life (Guardian) since August, 2003 as result of her becoming completely and totally disabled in April, 2003. Under the terms of the group long-term disability benefit plan Monica purchased while working for EBE Office Source, Inc., Guardian is allowed to offset her monthly benefit payment according to the amount of Social Security disability income she receives.


Disability Blog & Cases:
CIGNA Life Insurance Company denies disability benefits yet social security disability benefits are approved

Lily Rubinstein filed suit against CIGNA Life Insurance Company of New York, Griffon Corporation Long Term Disability Plan, and Griffon Corporation Life Insurance Plan in the United States District Court of the Eastern District of New York when the insurance provider abruptly denied her disability benefits after approving short term benefits six previous times. The insurer took away Rubinstein’s disability benefits even though her condition remains the same as when they approved her claim the last six times and even though medical opinion is that Rubinstein risks a stroke if she goes back to work.


Disability Blog & Cases:
Nevada disability lawyer and COX Enterprises Inc’s customer service rep sue AETNA Life Insurance Company for denial of disability benefits

A former Customer Service Representative (CSR) for COX Enterprises Inc. (COX) recently filed a lawsuit through a Nevada disability attorney against the AETNA Life Insurance Company (AETNA Life) at the District Court for the District Court of Nevada. In Sandra Rada v Cox Enterprises Inc as Plan Administrator & AETNA Life Insurance Company as Claims Administrator, the plaintiff Sandra Rada alleged that AETNA Life had not provided the plaintiff with a full and fair review of her claim for long term disability (LTD) benefits and thus seek the Court to review Aetna Life’s decision under a de novo standard.


Disability Blog & Cases:
Prudential Insurance sued by disabled HNI Corporation employee for denial of disability insurance benefits after 7 years

A 49 year old woman said to be suffering from degenerative disc disease and disabling pain recently filed a lawsuit at the District Court for the Southern District of Iowa against the Prudential Insurance Company of America (Prudential). In the case of Kimberly Maserang v The Prudential Insurance Company of America, the plaintiff’s Iowa disability lawyer alleged that Prudential has wrongly denied payments after paying her disability benefits for 7 years. Despite a worsening of the plaintiff’s medical condition, Prudential determined that the plaintiff is no longer disabled.

Disability Blog & Cases:
20 years of receiving disability insurance benefits and CIGNA denies woman’s benefits three separate times

A federal lawsuit recently filed in Pennsylvania against Cigna Insurance Company portrays a woman’s 21 year on and off battle with Cigna in order to maintain her long term disability benefits. When dealing with disability insurance companies, it is always a good move to have a disability attorney to handle your monthly disability payments. This is because the disability insurance companies are constantly reviewing your case and will try to look for a reason to terminate your long term disability (LTD) benefits. To them, you represent a “leak” in their bottom line, their profitability. So no matter how flimsy the reason maybe, disability insurance companies are not beneath their stations in trying cut off your long term disability payments. The case of Teann J. Scoggins v Life Insurance Company of America/CIGNA filed recently at the Distinct Court by the plaintiff’s Pennsylvania disability attorney alleges malicious behavior on the part of the disability insurance companies.


Disability Blog & Cases:
Pizzeria owner suffering from Celiac disease filed lawsuit against Berkshire Life Insurance Company of America for breach of contract in refusing to pay disability benefits

Recently a lawsuit was filed against the Berkshire life Insurance company of America at the Circuit Court for the County of Wayne in Michigan by an owner and operator of several pizzerias through his Michigan disability attorney. The disability lawsuit was filed after Berkshire evaluated the disability claim and made a determination that the claimant was not disabled.


Disability Blog & Cases:
Former security guard of the Children’s Hospital of Philadelphia alleges CIGNA Insurance engaged in fraudulent and malicious disability claims practices

Recently, a CIGNA claim denial lawsuit was filed in District Court for the Eastern District of Pennsylvania by a disabled individual who was a former cop and ex security guard of the Children’s Hospital of Philadelphia through his Pennsylvania disability lawyer. The details of the lawsuit were somewhat disturbing as it alleges how, CIGNA also known as Life Insurance Company of America (LINA), fraudulently and willfully victimized the plaintiff in its quest to rid itself of an unprofitable policy account.


Disability Blog & Cases:
Former Aegon USA employee suffering with multiple sclerosis sues CIGNA for denial of disability insurance benefits

A recent disability insurance lawsuit filed at the District Court for the Eastern District of Wisconsin can serve as an eye opener to the kind of claims handling practices that CIGNA will employ in order to evaluate a CIGNA disability claim. In Laura McBrien v CIGNA Life & Health Insurance/Life Insurance Company of North America, the plaintiff Ms. McBrien filed a lawsuit under the Employee Retirement Income Security Act of 1974 (ERISA) through her Wisconsin disability lawyer to try and recover long term disability (LTD) benefits which she was and is legitimately entitled to. Allegedly, CIGNA Life had been relentless in denying the critically ill woman her claim despite the overwhelming medical evidence supporting her claim.


Disability Blog & Cases:
City University Of Medicine & Bioscience former employee disabled by back disorder sues Reliance Standard Life Insurance Company for denial of disability benefits

Back pain is one of the leading causes of claims for long term disability benefits against disability insurance companies. However, claimants of disability insurance benefits who are suffering from back disorders often have an uphill task in trying to claim their disability benefits from Disability Insurance Companies. This is because disability insurance companies can try to deny the claims of individuals who are suffering from back disorders by claiming there is no objective medical evidence to support a claimant’s subjective complaints of back pain. Hence, it is not surprising that we often see lawsuits filed against disability insurance companies from individuals disabled by chronic back pain…