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MCDERMOTT LAW WINS REVERSAL OF COURT DECISION FOR LTD CLIENT

February 19, 2019

On January 15, 2019, the attorneys at McDermott Law succeeded in having a federal court judge order the payment of our client’s long-term disability benefits after a five-year fight. This case was significant for several reasons. This client came to us for help years after his insurance company denied his benefits. In fact, the insurance…

Termination from Employment Even as a Result of Disability Can Impact Your Coverage

February 6, 2019

Some disability benefit plans require that the claimant remain employed, even in inactive status, in order to receive benefits. In these situations, an employee may need to have their Family Medical Leave Act (“FMLA”) approved to protect their employment status in order to be eligible for disability benefits. However, an employer may still terminate an…

McDermott Law, LLC Files Lawsuit Over Cigna’s Wrongful Denial of Benefits

February 6, 2019

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, she ceased work on November 6, 2015. Despite overwhelming evidence…

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.…