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Guardian Terminates Railroad Worker’s STD Benefits Despite Life-or-Death Stakes

Guardian Terminates Railroad Worker’s STD Benefits Despite Life-or-Death Stakes

For more than 22 years, and after serving in the U.S. armed forces, our client worked on the railroad in Chappell, Nebraska, and took great pride in his job. He was a “pure joy to work with” and never compromised the safety of his coworkers or the public. Unfortunately, our client began experiencing seizures in December 2019.

With the risk of seizures that could strike at any time, our client was rendered unable to work and even drive. His seizures left him paralyzed and unable to move, much less get off the tracks if a train approached. As a result, our client applied for short-term disability (STD) benefits under his employer’s group STD policy.

In April 2020, Guardian approved our client’s claim. Mysteriously, the insurance company terminated our client’s STD benefits only a month later. Unable to work and left with no choice, our client contacted Dabdoub Law Firm.

Why Did Guardian Put the Railroad Worker at Risk of Serious Injury or Death?

Our client’s neurologist has deemed him “unable to continue work at this time… due to medical issues,” and emphasized that “[he] is most certainly not able to do his railroad maintenance job safely.” If our client were to seize or lose consciousness on the job, he would crash the car he is required to drive to job sites, or worse, be unable to escape an oncoming train.

Nevertheless, Guardian relied on the opinion of a single nurse case manager to deny our client’s claim instead of minding the grave conclusions of his treating physician. Guardian also ignored concerns from our client’s wife, who wrote that her “heart skipped a beat every time the phone rang” before he stopped working because she feared the worst.

Our client’s coworker also detailed an incident in which our client was nearly hit by a van while in the middle of a seizure. Clearly, the risks to our client’s health and safety – and the safety of those around him – are not made up.

Dabdoub Law Firm Prepares for Legal Action

Due to the stakes of this particular case, Dabdoub Law Firm gave Guardian one chance to correct its error. Had Guardian not reversed its decision to terminate our client’s STD benefits and paid his retroactive benefits in full, we were fully prepared to file suit in federal court under the Employee Retirement Income Security Act of 1974 (ERISA).

Fortunately, we were able to resolve the matter without legal action.

Disability Insurance Companies Have Lawyers. Shouldn’t You?

Because Dabdoub Law Firm was created to focus on disability insurance, we have developed expertise in this complex area of the law.

Our skill and experience in long-term disability claims mean our clients have the backing of attorneys who:

  1. Are experts in disability claims,
  2. Have fought all major disability insurance companies and know their tactics,
  3. Possess a track record of success,
  4. Have won major disability lawsuits that created new laws, and
  5. Have recovered millions of dollars in disability benefits.

All our lawyers commit every day of their legal career to helping people get disability benefits from UNUM, MetLife, Prudential, Northwestern Mutual, Hartford, CIGNA, and others.

Because federal law applies to most disability insurance claims, we do not have to be located in your state to help. We help clients nationwide, and we do not recover legal fees unless we win.

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Call us at (800) 969-0488 or contact us online for a free consultation with a disability attorney.