A Registered Respiratory Therapist was diagnosed with fibromyalgia and suffered from chronic pain with positive trigger points, fatigue, dizziness, and concentration and memory impairment. After it became clear that she could no longer perform the material duties of her own occupation as a Respiratory Therapist,…
McDermott Law, LLC was once again successful on behalf of a client whose disability benefits were wrongfully denied. These long-term disability (“LTD”) benefits governed by the Employee Retirement Income Security Act (“ERISA”), and insured by Cigna, have now been granted. A service technician suffered from…
After graduating from college with a bachelor’s degree in Physical Education and a minor in Special Education, Ms. B enjoyed a successful career as a teacher. Eventually, she received her master’s degree in Special Education. Due to lasting effects from several severe injuries, the teacher…
An Oncology Medical Coder from Arizona landed her dream job and moved to Colorado with her three horses. Shortly after the move, her feet slipped out from under her and she fell down ten stairs. The injuries she suffered in the fall were worse than…
On June 4, 2018, the Colorado Supreme Court issued its opinion in Renfandt v. New York Life Insurance Company, 2018 CO 49, holding, “under Colorado law, a life insurance policy exclusion for ‘suicide, sane or insane’ excludes coverage only if the insured, whether sane or…
Many firefighters and police officers in the state of Colorado enjoy the benefits of the Fire & Police Pension Association of Colorado (FPPA). The FPPA administers a state-wide, multiple-employer retirement system providing defined benefit plan coverage. In addition to pension benefits, death and disability coverage…
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