When a hardworking United States veteran woke up in excruciating pain, he realized he would no longer be able to push through various medical issues to continue working as a systems engineer in St. Albans, West Virginia. Fortunately, he had a disability policy with the Life Insurance Company of North America (CIGNA LINA). Unfortunately, CIGNA LINA denied his claim for long-term disability (LTD) benefits.
Unable to get relief, our client turned to Dabdoub Law Firm for help with his appeal.
Degenerative Joint Disease and Other Concerns
Our client suffers from degenerative joint disease, bone spurs, back and neck pain, numbness, and weakness. He has tried everything for pain relief, including spinal cord stimulators and other surgeries and procedures.
The severity of our client’s pain makes it impossible for him to fulfill the duties of his own occupation – or any occupation. Additionally, sitting at a computer aggravates our client’s conditions and exacerbates his unbearable pain. He cannot sit for even short amounts of time and must lay down to get any relief.
To prove his severe and debilitating conditions, our client underwent a functional capacity evaluation (FCE) and an independent medical evaluation (IME). The results of both tests indicated that our client is unable to perform even a sedentary job on a full-time basis. Our client was visibly in pain and uncomfortable during the FCE, and the IME reveals limitations when it comes to sitting, standing, using his right arm, writing, typing, lifting, and grasping.
As if this is not enough, our client’s medical records provide constant complaints of pain, weakness, numbness, and limited range, of motion. Our client’s radiating pain is well-documented, and his physical examinations reveal ample evidence of disability. The symptoms of our client’s medical conditions make it impossible for him to work. How could CIGNA LINA ignore the evidence to deny his claim?
Giving CIGNA LINA a Second Chance
At Dabdoub Law Firm, we simply do not understand how CIGNA LINA could have reviewed our client’s medical records and determined that he is not disabled. Even if the insurance company had doubts, it could have sent our client for testing.
Now, CIGNA LINA has the same medical records our client originally sent in, along with objective evidence from independent testing. Our client cannot sit in front of a computer nor perform the duties of any occupation. Dabdoub Law Firm gave CIGNA LINA another chance to approve our client’s claim and pay him the LTD benefits he deserved. We were fully prepared to file suit under ERISA if the insurance company did not comply.
To avoid litigation, CIGNA LINA made a timely and favorable decision on our client’s behalf.
Our Lawyers Specialize in Disability Insurance Claims
Because our law firm has always focused on disability insurance, our lawyers are experts in legal representation for disability insurance benefits.
That means our disability lawyers have:
- Won several major disability lawsuits and improved the law for disability claimants.
- Experience fighting every major insurance company, including UNUM, Hartford, MetLife, CIGNA, Prudential, and more.
- 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. Contact Dabdoub Law 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.
Dabdoub Law Firm represents clients nationwide with disability claims governed by federal law and can help clients in any state.
Call us at (800) 969-0488 or contact us onlineto speak with an experienced disability attorney. Pay no fees or costs unless you get paid.
