Before becoming our client, a Phoenix, Arizona woman filed for disability benefits under an individual insurance policy and a group long-term disability (LTD) policy. Although The Standard approved her individual disability claim, they denied her claim for LTD benefits through her group policy. Both claims were based on the same disability – multiple medical conditions including cervical and lumbar spondylosis with radiculopathy – and the same medical evidence. Nevertheless, The Standard denied her LTD claim based on the proof of loss provision.
Why the Proof of Loss Provision Did Not Apply in Our Client’s Case
Our client had 2 policies, which had similar proof of loss language. The Standard denied our client’s LTD claim, asserting it could not determine whether she was insured because the claim was late. Still, the same company had no problem determining that our client was disabled under the terms of an almost identical individual policy.
Because the company handled the exact same scenario inconsistently within 2 claims, their denial is not valid. Dabdoub Law Firm simply highlighted this fact. Fortunately, The Standard decided to remedy its mistake and approve our client’s claim for long-term disability benefits.
Dabdoub Law Firm has always focused only on disability insurance law.
Because we specialize in long-term disability, our clients get the benefit of:
- Having an attorney who is an expert in long-term disability claims.
- Having an attorney who has experience with every major disability insurance company.
- Being backed by a law firm that has a proven track record of winning tough disability lawsuits.
Contact our 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.
Our firm represents clients nationwide with disability claims governed by federal law, so we can help you even if we are not located in your state.Call us at (800) 969-0488 to speak with an experienced disability attorney. We will not charge any legal fees unless we win, and you will face no costs unless you get paid.