Liberty Terminates LTD Benefits for Client with Chronic Pain & No Improvement
Liberty approved our client’s long term disability benefits when he was diagnosed with crippling chronic pain. However, it would later terminate his benefits about five years later, despite there being no evidence of medical improvement of his condition. Dabdoub Law Firm worked quickly to challenge the wrongful early termination of benefits, and succeeded in getting them reinstated.
Details of the Chronic Pain Early Termination Case
In 2011, our client suddenly and quite shockingly experienced a right-ear bleeding that soon developed to severe pain in the right side of his face, as well as strong tinnitus and noise sensitivity. He sought treatments for this unusual and persistent medical condition, which seemed to be gradually worsening. No treatments were working well, and he eventually could no longer return to work due to the constant pain and suffering caused by his chronic pain.
Liberty initially approved his short term disability benefits as he continued to look for medical treatments and solutions. Less than a year later, Liberty reviewed his medical files and found he was disabled. The decision was made to approve his long term disability coverage for as long as he was not able to return to work.
Only five years later, with no medical improvement recorded by any of his treating physicians and specialists, our client’s LTD benefits were abruptly terminated by Liberty. When the termination was enacted, Dr. Sarantopoulo, who is leading our client’s medical care, wrote to Liberty to explain that there was no treatment or therapy that was making a positive, significant change in the chronic pain. This urge to reconsider the early termination was ignored, which is when Dabdoub Law Firm stepped in.
We began by challenging Liberty’s flat dismissal of the central sensitization syndrome (CSS). The serious health condition is widely recognized by the greater medical community and can be cited as a disabling condition. Attorney Edward Dabdoub created a thorough response to the termination, including a list of questions to address in order to create a meaningful dialogue between Liberty and the law firm. With this professional approach to the situation, and the clear arguments set forth in the response, he was able to convince Liberty to reinstate our client’s long term disability benefits as they were before.
Our Disability Lawyers Can Help You
Dabdoub Law Firm was created with a single purpose in mind: to help people get disability benefits from insurance companies. With that kind of focus, millions of dollars in long-term disability benefits have been paid to our clients. Every day, our disability lawyers work to get insurance companies to approve long-term disability claims or appeal disability benefits denials. The firm has also won several major lawsuits for disability benefits in federal court.
With so much at stake, shouldn’t you have experienced disability lawyers on your side? Because federal law applies to most disability insurance claims, we do not have to be located in your state to help.
Call (800) 969-0488 to speak with a disability insurance lawyer.