Latest Blog

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…

LINA Approves LTD Claim after Client Seeks Legal Assistance

August 22, 2018

A Client Billing Associate ceased work when she could no longer perform the material duties of her job as a result of her disabling medical conditions, including lumbar post laminectomy syndrome…

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…

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 to sleep through the night…

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”…

Suicide Exclusion and Intoxication – New Colorado Supreme Court Decision Concerning Denied Life Insurance Claim

June 4, 2018

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 insane at the time, committed an act of self-destruction with the intent…

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