A man in Burlington, Wisconsin was diagnosed with cyclic vomiting syndrome (CVS), a rare health condition that causes random, unpredictable vomiting sessions. Unable to hold any regular employment due to the symptoms of his CVS, he filed for long-term disability (LTD) benefits through UNUM, but was denied. Recognizing that the insurance company had likely misunderstood his condition and the details of its own LTD insurance policies, Dabdoub Law Firm was able to successfully challenge their denial and secure benefits for our client.
Details of the Cyclic Vomiting Syndrome Case
Our client was diagnosed with cyclic vomiting syndrome and has not been given a promising prognosis as of yet. The bouts of vomiting caused by his CVS remain resistant to any treatment and can occur without warning. Medical professionals who have evaluated our client’s condition find it reasonable to expect at least two days a week of significant disability caused by his CVS.
The vomiting bouts can be so severe that they can land him in the hospital for dehydration and other related complications. In fact, he has been hospitalized in the past for these exact reasons.
When UNUM received his petition for LTD benefits, the insurance company granted his benefits, only to deny them shortly after for unclear reasons. Its own reviewing physician actually agreed with other medical evaluations and the extent that the CVS disabled him from gainful employment and placed him in physical peril.
At this point, Dabdoub Law Firm stepped in to take control of the case and determine what UNUM had done wrong in its evaluation. It seemed to our experienced insurance disability lawyers that the insurance company had incorrectly interpreted his condition as one that is self-reported. With his medical history, which was provided with his claim, the CVS is clearly not self-reported, though. Medical professionals have witnessed firsthand his symptoms and their aftermath.
Upon challenging the denial with a well-constructed written argument, UNUM conceded to its errors. We are happy to say that our client is once again receiving LTD benefits, including retroactive benefits dated back to the day UNUM terminated them initially.
Help from a Lawyer with Expertise in Disability Insurance
Disability insurance law is complex. Hiring an experienced disability attorney is important. Because all disability lawyers at this law firm focus on disability insurance claims, we have extensive proficiency in disability insurance law.
In other words, we have:
- Experience with every major disability insurance company;
- A proven track record of success by winning major disability lawsuits;
- Recovered millions of dollars in disability benefits for clients;
Plus, we never charge fees or costs unless our clients get paid.
Dabdoub Law Firm help at any stage of your disability insurance claim, including:
- 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.
Because federal law applies to most disability insurance claims, our lawyers are able to represent clients across the country.
Call (800) 969-0488 to speak with an experienced disability attorney. Consultations are free.