McDermott Law, LLC
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Denver, CO 80237

(303) 964-1800

Long-Term Disability Benefits

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 (“Cigna”)/Life Insurance Company of North America (“LINA”). His claim was initially denied, then overturned after reviewing an appeal filed by the Engineer. Cigna paid
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McDermott Law, LLC Changes Life for Client Whose Disability Benefits Were Terminated

August 1, 2018

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 expected. Our client was unable
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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
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Disability Claims for Firefighters & Police Officers

May 9, 2018

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 also exists. For many fire
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California Investigating Aetna Over its Medical Director Reviews of Records

May 2, 2018

We found an interesting story by CNN regarding Aetna Insurance. Apparently, California’s Insurance Commission has commenced an investigation into Aetna and its health insurance practices. The Commissioner learned that a former Medical Director for Aetna recently admitted under oath (in a deposition) that it was his practice to never actually
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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. 
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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
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Mental Health Conditions and LTD Claims

April 16, 2018

Proving the existence of a disability, and your disabling symptoms, can be challenging in any disability insurance claim. For those suffering from a mental health condition, the claim process can be just as problematic if not more difficult to navigate.  That is because many of these conditions can be relatively
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Hartford Approves Long-Term Disability Benefits

April 11, 2018

A career firefighter suffered from several work-related injuries. He made heroic efforts to continue working by pursuing every treatment option, including multiple surgeries, to improve his conditions. However, his doctors had grave concerns that he would ultimately suffer a reinjury and recommended he cease work. He was eventually convinced to
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How Can I Figure Out the Date of Disability for My Long-Term Disability (LTD) Claim?

December 27, 2017

When it comes time to file a claim against a long-term disability (LTD) policy, figuring out the date of disability will be pivotal to determining if the claim will be approved or when it becomes payable. Although this date may be relatively clear or definitive in some cases – like
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