In 2015, our Louisville, KY client, was diagnosed with multiple sclerosis, a progressive disease of the central nervous system. Although our energetic and hard-working client continued her employment for a few more years, her condition became too difficult to perform any type of work in 2019.
She applied for long-term disability (LTD) benefits with Life Insurance Co. of North America (CIGNA LINA). The company approved her application and granted her LTD benefits until February 2022 when they terminated them. They alleged that our client could perform any type of work despite all medical evidence showing the contrary.
Our client contacted Dabdoub Law Firm for help and has medical records that clearly prove her debilitating condition and eligibility for continuous LTD benefits.
Our Client’s Condition Did Not Improve Since 2019
CIGNA paid our client LTD benefits between 2019 and 2022. In February of this year, the insurance company terminated her benefits, claiming she was fit to perform sedentary work although all medical records demonstrate her ongoing disability.
Our client gathered substantial medical evidence from various professionals to prove her debilitating disability. Multiple sclerosis is a progressive disease and our client’s health is not improving and continues to prevent her from engaging in daily activities and work like she used to do and enjoy before her diagnosis.
Our Client’s Condition Prevents Her from Even Sedentary Work
Both family members’ testimonies and medical examinations have established that our client experiences the following on a daily basis:
- Bladder issues
- Depression
- Extreme fatigue
- Gait imbalance
- Numbness
- Sensory loss
- Short-term memory loss
- Sleep disturbance
- Weakness
Even with accommodations, our client is unable to perform sedentary work and regularly needs to lie down in addition to her various symptoms that can prevent her from even getting out of bed on certain days.
A physical therapist who conducted a functional capacity evaluation (FCE) confirmed again that our client cannot perform any work, even in a sedentary occupation. This medical professional mentioned in their report that our client needed regular sitting or lying down breaks and overexerted easily with tasks like standing or walking.
CIGNA Failed to Continue Providing Appropriate Support to Our Client
After paying LTD payments for a little over two years, CIGNA’s decision to terminate our client’s benefits fails to support her with the help she is entitled to due to her degenerative condition. Multiple sclerosis is a progressive disease that prevents our client from performing many day-to-day tasks and holding a sedentary professional occupation.
The insurance company had all necessary medical documentation that pointed toward our client’s continuous need for LTD benefits, but it chose to end providing them on the incorrect basis that she could work in a sedentary capacity. CIGNA willfully ignored the recommendations and documented evaluations of our client’s treating physicians.
Dabdoub Law Firm has submitted all necessary medical records and other documents to appeal CIGNA’s decision. The insurance company agreed to resume our client’s long-term disability benefits.
Disability Insurance Companies Have Lawyers. Shouldn’t You?
If you are facing the termination of your long-term disability benefits, you should consult an experienced disability lawyer. Our attorneys specialize in disability claims with insurance companies.
Why Dabdoub Law Firm?
- We have expertise in disability insurance claims.
- We built our firm to advocate for people who had their long-term disability benefits wrongfully terminated.
- We have fought every major disability insurance company and recovered millions of dollars in disability benefits for our clients.
- We have a proven track record of success and have won major disability lawsuits that helped improve the law for claimants like you.
Because federal law applies to most disability insurance claims, we do not need to be located in your state to help.
All our lawyers commit every day to helping people get disability benefits from insurance companies.
Call Dabdoub Law Firm at (800) 969-0488 to get 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.
Contact us today for a free consultation with one of our disability attorneys.
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