A Respected Worker
A recent client from Boulder, Colorado had been a dedicated, trustworthy worker his whole life. After years of advancement, he worked as a Superintendent with a construction company. He, like many other Americans, developed health issues later in life and could no longer perform his duties.
His insurer, Lincoln Life Assurance Company of Boston, agreed that he needed help and granted him short-term disability insurance (STD). As time went on, his condition did not improve. His STD ran out, so he naturally filed for LTD, long-term disability. Without a clear reason provided, his insurer denied the claim.
An Untrustworthy Company
The Employee Retirement Income Security Act of 1974 (ERISA) was enacted “to promote the interests of employees and their beneficiaries in employee benefit plans.” Its clear objective is “to protect contractually defined benefits,” and it demands that companies provide a “full and fair review” of claim denials.
Through Lincoln Life Assurance Company of Boston’s actions, it became clear the company was working in its own self-interest. This is in sharp contrast to the legal standard, which states insurers must work “solely in the interest of the participants and beneficiaries.” Upon reviewing the situation and the vagueness of the insurer’s response, our firm went to work on behalf of this client.
A Trustworthy Law Firm
Our teams’ first job was to prove our client's continued disability. This was an easy task, given his obvious ailments. We collected over twenty pieces of evidence, including nine medical and prescription records. At least ten friends, coworkers, and doctors also lent their support, providing letters that confirmed his condition. Finally, we included firsthand accounts, including an official statement and personal diary entries.
Our team presented this evidence to the insurer. By providing everything the company could need to grant LTD, we were able to force it into granting our client his necessary benefits.
Help From a Lawyer with Expertise in Disability Insurance
Disability insurance law is complex, which is why you should hire an experienced disability attorney to handle your claim. Because all disability lawyers at this 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.
Further, we never charge fees or costs unless our clients get paid.
Dabdoub Law Firm can help at any stage of your disability insurance claim, including:
- Submitting your disability insurance claim,
- Appealing a long-term disability denial,
- Negotiating your lump-sum settlement, or
- Filing a lawsuit against your disability insurance company.
Federal law applies to most disability insurance claims, so our lawyers can represent clients across the country. No matter where you are located, we can help.
Call us at (800) 969-0488 or contact us online to speak with an experienced disability attorney. Consultations are free.
