Before he was forced to leave his position, our client was a project manager earning a 6-figure salary with a U.S. company in Canada. Unfortunately, he suffered from severe burnout, anxiety, and depression and left work at his treating physician’s recommendation. After leaving his occupation, our client was also diagnosed with mild neurocognitive disease. Due to a family history of Alzheimer’s disease, our client’s doctors anticipate future cognitive decline.
Knowing this, our client filed a claim for long-term disability benefits with Hartford Life & Accident Insurance Company (Hartford). Puzzlingly, Hartford denied his claim.
Dabdoub Law Firm stepped in to set the record straight.
Hartford Ignores the Opinions of 4 Doctors – and Objective Medical Evidence
Our client’s condition resulted in days of hospitalization and ongoing follow-up treatment. His treating physician noted routine “feelings of incapacity and poor motivation, as well as lack of ambition, difficulties in planning and taking initiative, as well as problems with his concentration.”
These symptoms were visible in our client’s brain scans, and 2 lesions in the frontal lobe provide objective medical evidence of our client’s disability.
While this evaluation alone is enough for Hartford to approve our client’s claim, the insurance company also had information from 3 other medical professionals, one of whom stated that:
“He will not be able to perform any occupation in a meaningful way and on a consistent basis due to his condition.”
Still, Hartford relied on a flawed review from its hired psychiatrist and denied our client’s claim for benefits. This is simply unacceptable under ERISA (the Employee Retirement Income Security Act of 1974).
With its appeal, Dabdoub Law Firm gave Hartford another chance to do the right thing. Fortunately, the insurance company gave our client the benefits he deserved.
Help from an Attorney with Expertise in Disability Insurance
Disability insurance law is complicated. If your claim for long-term disability benefits was denied or is being delayed by an insurance company, you should choose a lawyer with expertise in disability law.
- Our lawyers specialize in disability insurance.
- Our lawyers have experience with UNUM, Hartford, CIGNA, Reliance Standard, and just about every other insurance company.
- Our lawyers have won tough disability insurance lawsuits.
- Our lawyers have recovered millions in disability benefits for clients who were wrongly denied.
Because federal law applies to most disability insurance claims, we do not have to be located in your state to help.
Dabdoub Law Firm represents clients nationwide with:
- Submitting disability insurance claims,
- Appealing long-term disability denials,
- Negotiating lump-sum settlements, and
- Filing lawsuits against their disability insurance companies.
Call us at (800) 969-0488 or contact us online to speak with a disability insurance attorney. No fees or costs unless clients are paid.