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Washington Court Rules in Favor of Microsoft Employee Seeking Long Term Disability Benefits from Prudential Insurance Company


Before his disability, Mr. Christopher Chapin worked as a software engineer for Microsoft. In March of 2018, Mr. Chapin presented to his primary care physician complaining of anxiety and insomnia related to work pressures. His doctor recommended he cease working and seek treatment from a psychiatrist.

Mr. Chapin’s last day of work was March 20, 2018. A few days later, Mr. Chapin presented to psychiatrist Dr. Olsen with anxiety, depression, insomnia, and nervousness. Based on his evaluation of Mr. Chapin, Dr. Olsen diagnosed him with:

  • Depression disorder

  • Other trauma or stressor related disorder

  • Cognitive disorder due to depression and several months of occupational harassment and sleep deprivation

Dr. Olsen also recommended that Mr. Chapin not return to work as doing so would place his mental and physical health in jeopardy. Unable to work, Mr. Chapin submitted a claim for short-term disability benefits. Prudential denied the claim stating that Mr. Chapin’s conditions did not result in functional impairments. Mr. Chapin appealed this decision twice. Prudential denied both appeals.

Prudential and Mr. Chapin eventually settled the short-term disability claim. But, Mr. Chapin also filed a claim for long-term disability benefits. After Prudential failed to make a decision on the claim, Mr. Chapin filed a lawsuit against Prudential for his LTD benefits.

The Court’s Review of Mr. Chapin’s Claim

The court had a good grasp on the facts of the case and ruled in Mr. Chapin’s favor. It found the following:

  1. Mr. Chapin’s treating providers provided proof that his condition rendered him disaled and unable to work in his occupation.

  2. Prudential’s reliance on its own doctor’s paper review who had never met or examined Mr. Chapin was wrong.

  3. Prudential failed its fiduciary duty to act in Mr. Chapin’s best interest by shutting its eyes to evidence of disability.

  4. Prudential’s rejection of Mr. Chapin’s doctors’ conclusions without reason was unjustifiable.

  5. Prudential’s suggestion that Mr. Chapin was physically active was irrelevant to the analysis of his cognitive impairments

The court ultimately held that Prudential must pay Mr. Chapin all of his past-due benefits.

Help from an Attorney with Expertise in Disability Insurance

Disability insurance law is complicated. If your claim for disability benefits was denied or being delayed by an insurance company, it is important to get help from a lawyer with expertise in disability law.

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  1. Our lawyers specialize in disability insurance;

  2. Our lawyers have experience with UNUM, Provident, Paul Revere, Hartford, CIGNA, Reliance Standard, National Life Insurance Company, and just about every other insurance company;

  3. Our lawyers have won tough disability insurance lawsuits;

  4. 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.

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Call Dabdoub Law Firm today at (800) 969-0488 for a free consultation with an experienced disability attorney. Pay no fees or costs unless you get paid.