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Cigna Reverses Long-Term Disability Denial of Service Technician

November 2, 2018

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 tetrachloroethylene exposure, which caused a litany of medical conditions and…

Medical Doctor’s LTD Benefits Terminated Based Upon a Mental Illness Provision

November 2, 2018

In 2013, a medical doctor notified Provident Life and Accident Insurance Company (“Unum”) of his claim for disability insurance benefits based on medical conditions of PTSD, grief, panic attacks, anxiety, cognitive impairment, insomnia, fatigue, and major depressive disorder. Unum approved his claim and paid the doctor his benefits from under the 24-month Mental Disorder Limitation…

Cigna Overturns Termination of STD Benefits and Grants LTD Benefits

November 2, 2018

A former Cybersecurity Specialist (Ms. N) was rendered disabled as a result of a rare condition known as arachnoiditis, which causes neurological deficits and severe chronic neuropathic pain. Ms. N. excelled at her career and loved working but, unfortunately, the severe pain in her hips, buttocks, legs, and lower back made it impossible for her…

McDermott Law, LLC Works with Treatment Providers to Reverse Standard’s Termination of LTD Benefits

November 2, 2018

A Tax Lien Specialist made heroic efforts to continue working after years of struggling with her disabling medical conditions. Due to the culmination of disabling medical conditions including chronic low back and neck pain, cervical occipital neuralgia, migraines, as well as colon disease, she was unable to work full time in her Own Occupation. She…

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 …

Independent Medical Exams (IMEs) for Disability Claims: What to Expect

December 18, 2017

When a claim is filed against a short- or long-term disability policy, the insurance company may request that the claimant attend an independent medical …

5 Key Things to Understand about Your Disability Insurance Policy

February 18, 2016

Long-term disability insurance policies can be complicated.  The language is unique and contains terms and phraseology not often seen before.   If you have short- and/or long-term disability coverage, understanding the following key elements of your policy is crucial to knowing what protections you have – and when an insurance company may have failed to honor the policy’s promise.…

Insurance Companies’ Tricks of the Trade

November 13, 2008

The American Association for Justice (formerly the Association of Trial Lawyers of America) recently released a new report on the insurance industry titled “Tricks of the Trade: How Insurance Companies Deny, Delay, Confuse and Refuse.” The report reviews some of the egregious ways the industry attempts to make large sums of money at the expense…