The Riverpoint Building
2300 15th Street Suite 200
Denver, CO 80202
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Greenwood Village
5750 S. Ulster Circle, Suite 300
Greenwood Village, CO 80111
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(303) 964-1800

Denial of Benefits

Long-Term Disability Claims & Appeals: FAQs

June 26, 2017

Navigating the long-term disability (LTD) claims process can be challenging, especially in light of the fact that insurance companies are not necessarily looking out for policyholders or their rights. In fact, some insurance providers may even take extra steps – like surveilling claimants – to try to find reasons to
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First Reliance Standard Life Insurance Company Reverses Disability Insurance Denial of Lung Transplant Claimant

June 14, 2017

McDermott Law is pleased to announce another success on behalf of a client whose ERISA long-term disability (LTD) and waiver of life insurance premium (LWOP) denials have now been overturned by First Reliance Standard Life Insurance Company. Our client suffered from several conditions as a result of Interstitial Lung Disease,
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Hartford Reverses Long Term Disability Denial of Wyoming Woman Suffering from Mal De Debarquement Syndrome, Migraines & Fibromyalgia

March 21, 2017

We are proud to report yet another success story on behalf of a client whose long term disability benefits were wrongfully denied. This long term disability claim, governed by the Employee Retirement Income Security Act (ERISA), and insured by Hartford, has now been approved through our efforts. Ms. P suffered
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Standard Insurance Company Approves Individual Disability Income Claim On Behalf Of An Attorney Client

March 15, 2017

Mr. P purchased a Policy of Insurance from Standard Insurance Company which would provide Individual Disability Income (IDI) benefits in the event he was unable to continue working due to an unexpected illness.  His conditions of Rheumatoid Arthritis, Osteoarthritis, Degenerative Disk Disease and Post-Laminectomy Syndrome rendered him unable to continue
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Cigna Once Again Reverses Its Decision to Terminate Benefits of Client Suffering from Multiple Sclerosis

March 9, 2017

McDermott Law has once again been successful on behalf of a client whose disability benefits were wrongfully terminated . . . TWICE.  Ms. J had been receiving disability benefits as a result of suffering from Multiple Sclerosis (MS) when Cigna terminated her benefits claiming she no longer met the definition
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Disability Benefits: Beware Facebook, Linkedin, and All the Rest

November 15, 2016

Be very careful what you post on your social media sites, such as Facebook and even LinkedIn. Everyone knows Facebook.  We have previously posted about the dangers of exposing your personal life for all the world to see, because your disability insurance carrier exists in that world.  LinkedIn is a
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Another Successful Short Term Disability Appeal to Cigna – and Grant of Concurrent Application for Long Term Disability Benefits

September 21, 2016

The attorneys and staff at McDermott Law, LLC have prevailed again on an ERISA short-term disability appeal to Life Insurance Company of North America (LINA) (underwriter of disability insurance policies for Cigna).  Perhaps more importantly, our client also obtained an approval on her concurrent application for long term disability insurance
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McDermott Law Obtains Judgment in Favor of LTD Client Against Metlife

September 13, 2016

After a lengthy battle with MetLife, our office obtained a great result on behalf of a disabled client who had been mistreated by the claims department at this insurance company.  Mr. K suffered a severe reaction to the drug Levaquin resulting in multiple problems with his nervous system, nerves and
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Can I Work While Receiving Long-Term Disability Benefits?

April 25, 2016

This is a common question.  Whether or not working will affect your eligibility to receive long-term disability (LTD) benefits will hinge on the details of your policy. Working & LTD Benefits: ‘Own Occupation’ versus ‘Any Occupation’ Policies One of the main factors impacting  the question of eligibility for LTD  while
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McDermott Law Wins Long-Term Disability Claim Appeal, Gets Cigna to Reinstate LTD Benefits to Our Client

February 23, 2016

McDermott Law recently convinced Cigna Group Insurance to reinstate long term disability benefits denied to a client. This client, Ms. M, suffered from Postural Orthostatic Tachycardia, Migraines and Fibromyalgia.  Her functional abilities were also impacted by her cognitive impairment and other symptoms which contributed to her inability to perform her
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