DMS Denies LTD Benefits for Airline Pilot with High Risk of Heart Attack

An airline pilot from Miami, Florida filed for long-term disability insurance benefits after his doctors warned he was at constant risk of heart failure. Despite it being clearly obvious for him to be the pilot of a commercial aircraft, Disability Management Services (DMS) still chose to deny his claim. Dabdoub Law Firm was quick to challenge the denial, and a lump-sum payment was provided to him without much need for legal conflict.

Details of the Flight-Risk Pilot

Our client loved being a commercial airline captain, but he had to put down his wings after his medical providers warned his poor heart health put him at constant risk of a heart attack. If he were to have a sudden cardiac event while flying, then everyone on board his craft would be put in extreme danger. After receiving his diagnosis and prognosis, he filed for LTD benefits through DMS, which strangely denied his claim.

It is possible that DMS focused only on a note in our client’s medical record that said he does not experience angina or strong chest pain. This note was actually made in error, as our client has complained to his medical providers of daily chest pain, which can be severe enough to become disabling in and of itself.

DMS might have also not paid enough attention to our client’s full medical record. He has a long history of health risk factors that worsen his condition and escalate the chances of cardiac failure. To name only a few of his medical conditions, he has diabetes, hypertension, and a history of smoking tobacco products. Our client’s family also has a history of dangerous heart conditions.

Wanting to avoid a long and drawn-out legal battle, our client requested that we pursue a permanent lump-sum payment from DMS on his behalf. Led by Attorney Edward Dabdoub, our firm returned to DMS quickly with a challenge letter that outlined the errors of their evaluation and conclusion. We are thankful to say the insurance company understood the problem readily and agreed to provide the payment as requested.

Our Lawyers Specialize in Disability Insurance Claims

Because our law firm has always focused only on disability insurance, our lawyers are experts in legal representation for disability insurance benefits.

That means our disability lawyers have:

  1. Won several major disability lawsuits that help make better law for disability claimants.
  2. Experience fighting every major insurance company, such as UNUM, Hartford, MetLife, CIGNA, Prudential, and more.
  3. Successfully represented hundreds of clients and won millions of dollars in disability benefits.

Because federal 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.

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