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Appeals

Cigna Approves Second Level Appeal of a Disabled Engineer

August 15, 2018

A former Component Environmental Test Engineer suffering from cardiomyopathy with advanced systolic heart failure filed a claim for long-term disability benefits with Cigna Group Insurance…

Standard Terminates Benefits from Teacher Suffering from Spinal Impairments

August 8, 2018

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…

Liberty Life Reverses Long-Term Disability Denial Eleven (11) Days After Appeal Was Submitted

July 25, 2018

-An emergency department Registered Nurse was rendered disabled in 2006 as a result of a brain oligodendroglia and related seizures. Liberty Life Assurance Company of Boston (“Liberty Life”) approved the RN’s claim for Long-Term Disability (“LTD”) benefits in March of 2007 under the “own occupation” definition of disability, then later approved the claim under the “any occupation”…

MetLife Overturns Prior Disability Denial in Support of Appeal

April 25, 2018

Ms. A, a highly educated professional woman, was involved in two separate car accidents (one in 1992 and one in 2002) and was later bucked off a horse in 2009.  Over time, the effects from these different injuries compounded and progressed, eventually causing severe pain that is now nearly constant.  Ms. A currently suffers from…

Sun Life Approves LTD and LWOP Claims after Medical Examination

April 19, 2018

A Saleswoman was rendered disabled as a result of intractable occipital neuralgia, cervical degenerative disc disease, cervical spondylosis, spasmodic torticollis, postlaminectomy syndrome, chronic pain syndrome, and chronic migraines. After paying long-term disability (LTD) benefits for just over a year and approving life insurance waiver of premium (LWOP) for just under a year, Sun Life Assurance Company of Canada (Sun…

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 working and applied for individual disability income benefits.…

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 of disability.   She hired our office to…

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 ERISAshort-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 benefits. Our client suffers from spasmodic torticollis which precluded her from performing…