Our client is a caretaker by nature and worked extremely hard caring for children and adolescents at a residential facility for treating mental illness in Houston, Texas. She cooked, cleaned, drove patients to their appointments, and performed safety checks every 15 minutes. Her job was physically and mentally demanding – but rewarding.
Suddenly, the physical demands of her occupation caught up with her, and she began experiencing extreme fatigue and joint pain. Naturally, she sought treatment, where she was diagnosed with rheumatoid arthritis.
Over time, our client’s symptoms did not improve, so she was forced to stop working and file for long-term disability (LTD) benefits. She felt grateful to have a policy with CIGNA LINA, but the insurance company denied her claim.
Running out of options, our client contacted Dabdoub Law Firm for help.
Documented Reports of Pain and Fatigue
Helping our client was easy because her reports of pain and fatigue were well documented and supported in her medical records. We also had objective medical evidence of her conditions from recent blood work, MRIs, and a CT scan.
Our client has rheumatoid arthritis, fibromyalgia, back pain, and joint pain. Through no fault of her own, she suffers an autoimmune disorder accompanied by neurological problems and mental health conditions.
Chronic pain alone would be enough to justify our client’s claim for long-term disability benefits, but she also suffers from major depressive order and generalized anxiety. She has no energy, she cannot sleep, and her motivation to carry on is extremely low. She also faces problems with concentration and memory.
Combined, our client’s physical and psychiatric factors cause cognitive impairments and prevent her from working in the job she loves.
CIGNA LINA Acknowledged Disability but Denies Claim Anyways
In its denial letter, CIGNA LINA acknowledged our client’s rheumatoid arthritis, back pain, and fibromyalgia. Nevertheless, the insurance company scoffed at our client’s objective medical evidence and only considered details that favored its denial.
“Cherry picking” evidence like this is a textbook violation of the Employee Retirement Income Security Act of 1974 (ERISA). CIGNA LINA did not act in our client’s best interests. Rather, it has failed to consider our client’s medical conditions, how they interact, and the details of her specific case.
With her appeal, our client provided all she possibly could to prove her disability. Since she began experiencing fatigue and joint pain, she has done everything right.
CIGNA LINA is the party that made a mistake, and Dabdoub Law Firm asked the company to conduct a full and fair review of our client’s case.
To avoid litigation, CIGNA LINA complied and had no choice but to approve our client’s claim for LTD benefits.
Lawyers Specializing in Disability Insurance Claims
Because disability insurance law is complicated, seeking legal help from a lawyer who focuses on disability law can help you win your claim.
As a law firm built to focus on disability insurance, Dabdoub Law Firm specializes in disability insurance. Our attorneys spend every day working to get our clients’ long-term disability benefits approved.
Federal law applies to most disability insurance claims, so we do not have to be located in your state to help. Our lawyers are proud to help clients nationwide.
If your claim for long-term disability benefits was denied or is being delayed by an insurance company, call us to speak with a disability insurance attorney.
We represent clients across the U.S. as they:
- Submit disability insurance claims,
- Appeal long-term disability denials,
- Negotiating lump-sum settlements, and
- File lawsuits against their disability insurance companies.
We can represent you, too.
To learn what our team can do for you during a free consultation, please call us at (800) 969-0488 or send us a message online today.