For nearly 20 years, our client excelled at and enjoyed her career in the financial sector. When she was working as an outsource manager in St, Louis, MO, however, a constellation of medical conditions made it impossible for her to continue working. Notably, our client was diagnosed with Meniere’s disease and frequent migraines.
Although she has sought treatment from various specialists in numerous fields, our client’s symptoms have not improved. As such, she asked Dabdoub Law Firm to file a long-term disability (LTD) claim on her behalf. By creating a portrait of her disability, our firm was able to recover LTD benefits from Cigna.
Showing Our Client’s Suffering
In an ideal world, our client would still be working during the day and spending time with her family in the evenings. In reality, she cannot go to the grocery store without triggering a migraine and needing several hours of rest. Our client’s primary physician has determined that she is not capable of work at this time because she cannot drive, use a computer, or even read and write. Despite pursuing treatment and making every effort to improve, our client’s symptoms have not improved.
Her list of conditions includes:
- Vestibular migraines
- Ocular migraines
- Hearing loss
- Persistent postural-perceptual dizziness (PPPD)
- Meniere’s disease
- Patent foramen ovale (PFO)
A board-certified neurologist, physical therapist, and cardiologist have all treated our client and confirmed her disability. Our client’s medical records reflect that “any physical activity causes severe exacerbation of her dizziness, migraines, and shortness of breath.”
Ultimately, our client’s medical conditions have turned her life upside down. Her family has written letters emphasizing her suffering and disability. Her daughter struggles to see her mom “in so much pain and discomfort on a regular basis,” and her husband is sad to see her spend most of her days in bed, desperately trying to avoid dizziness and migraine triggers.
If our client cannot even walk her dogs or interact with her children, she cannot be expected to return to her demanding occupation as an outsource manager, and thus qualifies for LTD benefits
Recovering LTD Benefits
To recover LTD benefits for our client, Dabdoub Law Firm showed Cigna her medical records, letters from her primary physician and various specialists, and letters from her family members. We also summarized her predicament in a cover letter and urged Cigna to uphold its responsibilities under the Employee Retirement Income Security Act of 1974 (ERISA).
Fortunately, Cigna gave us a timely and favorable response.
Help from a Lawyer with Expertise in Disability Insurance
Disability insurance law is complex, which is why you need to hire an experienced disability attorney Because all our disability lawyers at Dabdoub Law Firm focus on disability insurance claims, we have expertise in disability insurance law.
That means we have:
- Experience with every major disability insurance company.
- A proven track record of success in major disability lawsuits.
- Recovered millions of dollars in disability benefits for our clients.
Additionally, we never charge fees or costs unless our clients get paid.
We can 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 can represent clients across the country.
Call us at (800) 969-0488 to speak with an experienced disability attorney or contact us online to learn how we can help. Consultations are free, and you won’t owe us any legal fees unless we recover benefits on your behalf.