Hartford Denies Mans LTD Benefits Because He Isn't Presently in Heart Failure
A man from Valley Center, California had to leave his beloved job as a sound engineer at Loyola Marymount University due to a number of comorbid cardiac conditions. At any given time, he is at a high risk of heart failure. Despite this constant risk, Hartford denied his long-term disability (LTD) benefits on the grounds that he is not always in cardiac arrest or suffering from another form of heart failure. The unusual approach to evaluating a disability claim was challenged by Dabdoub Law Firm, and we successfully secured the benefits our client so desperately needs.
Details of the Constant Cardiac Risk Case
Our client has been diagnosed with cardiovascular complications including but not limited to catecholaminergic polymorphic ventricular tachycardia (CPVT) and left ventricular non-compaction (LVNC). Due to his heart issues, he has suffered numerous near-death experiences that required an implantable cardioverter defibrillator (ICD) shock to correct. With no clear way to correct his heart complications, our client is in constant risk of cardiac arrest.
Presented with ample medical evidence of the danger our client is in, Hartford still decided to deny his LTD benefits. The insurance company seems to have based its conclusion on the fact that the ICD shocks he has received were not considerably recent. The wording of their denial even suggested that he would only be eligible to receive benefits if he was always in cardiac arrest. With this faulty logic, the insurer actually argued that he could return to any profession.
The deliberate lack of acknowledgment of our client’s perilous health conditions suggested one of two things must be true: Hartford’s reviewing physicians were not qualified to review our client’s claim; or Hartford has arbitrarily denied the claim, knowing there were no grounds to do so.
In taking over the case, our team of attorneys from Dabdoub Law Firm, including Attorney Geannina Burgos, began to compile further evidence of our client’s disability. Not only were his medical records examined, but so were previous cases of similar circumstances that made established case law. A letter of challenge was sent to Hartford, demanding a correction of the issue and the immediate reinstatement of LTD benefits for our client. Under the threat of a lawsuit with a nationally recognized law firm representing the plaintiff, Hartford conceded.
Our Lawyers Specialize in Disability Insurance Claims
Because Dabdoub Law Firm has always focused only on disability insurance, our lawyers are considered to be experts in legal representation for disability insurance benefits cases and claims.
That means our disability lawyers have:
- Won several major disability lawsuits that help make better law for disability claimants.
- Experience fighting every major insurance company, such as UNUM, Hartford, MetLife, CIGNA, Prudential, and more.
- Successfully represented hundreds of clients and won millions of dollars in disability benefits.
Because federal ERISA law applies to most disability insurance claims, we can help clients across the country.
Disability insurance companies have lawyers. You should too. Call Dabdoub Law Firm to get experienced disability lawyers on your side.
We can help with:
- Submitting a disability insurance claim;
- Appealing a long-term disability denial;
- Negotiating a lump-sum settlement; or
- Filing a lawsuit against your disability insurance company.
Call (800) 969-0488 for a free consultation with a disability attorney. No fees or costs until you get paid.