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Hartford Terminates Long-Term Disability Benefits for Client with Rare, Potentially Fatal Disorder

Wegener’s granulomatosis (also called granulomatosis with polyangiitis) can come on suddenly, as was the case for our client in Venice, Florida. In March of 2018, our client experienced severe dizziness upon standing, joint swelling, and a fever that would not cease. He instinctively drove himself to the emergency room, where he was hospitalized for 25 days.

Just 10 days after being discharged, our client was once again hospitalized for 7 days due to a blood clot in his leg.

Ultimately, our client almost died, and upon discharge, his diagnoses included:

  • Wegener’s granulomatosis
  • Chronic kidney disease (stage IV)
  • Cognitive heart failure
  • Pulmonary embolism
  • Obstructive sleep apnea
  • Hypertension

Any one of these medical conditions would render our client incapable of working in his own occupation or any occupation, but together, they put his life at risk.

Understandably, our client chose to focus on his health and applied for long-term disability (LTD) benefits. The Hartford recognized his situation and granted his claim.

Absent any new information, however, The Hartford suddenly decided to terminate our client’s LTD benefits. Our client could not stop being disabled and return to work, so he recruited Dabdoub Law Firm for help. We appealed Hartford’s cruel and illegal termination of benefits.

Unanimous Support from Our Client’s Physicians

With one look at our client’s case file, Hartford should have had no doubt that he was completely disabled according to his policy. Further, multiple attending physicians have unanimously and consistently stated that our client is incapable of less than sedentary work.

Our client has not experienced a miracle cure, nor has any new medical information come to light to justify Hartford’s termination of ongoing disability benefits. At best, our client’s condition has stabilized. This does not mean he is suddenly “un-disabled;” it simply means he is no longer on the brink of death.

Not a single medical professional who has evaluated his client believes he is faking or exaggerating his level of pain and physical restrictions and limitations.

To put to rest any doubt, our client has also undergone a functional capacity evaluation (FCE) that reveals less than sedentary capabilities. He even had an independent physical therapist review the FCE and evaluate its validity. The physical therapist agreed fully with the results of the FCE.

Everyone seems to agree that our client remains disabled under his Hartford LTD policy, which means the insurance company’s termination of benefits was wrong, unreasonable, and illegal under ERISA Law.

The Hartford Had No Information to Justify Its Termination

We cannot explain why Hartford chose to terminate our client’s LTD benefits. Notably, Hartford itself cannot justify its termination because it has received no new medical evidence to justify its cruel and nonsensical decision. Conversely, Hartford has now received even more evidence of our client’s ongoing disability.

As such, the insurance company had no choice but to issue a timely and favorable decision on our client’s behalf. Dabdoub Law Firm is proud to have helped our client get his LTD benefits reinstated during his time of need.

Disability Insurance Companies Have Lawyers. Shouldn’t You?

If you are facing a long-term disability claim denial, you should consult an experienced disability lawyer. Our lawyers specialize in disability claims with insurance companies.

Why Us?

  1. Dabdoub Law Firm has expertise in disability insurance claims.
  2. Our firm was built to fight for people who were wrongly denied long-term disability benefits.
  3. We have fought every major disability insurance company and recovered millions of dollars in disability benefits for our clients.
  4. We have a proven track record of success in major disability lawsuits that helped improve the law for claimants like you.

Because federal law applies to most disability insurance claims, we do not have to be located in your state to help.

All our lawyers commit every day to helping people get disability benefits from insurance companies. Call 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 at(800) 969-0488 or online for a free consultation with a disability attorney.