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Cigna Wrongfully Denies LTD Benefits for Honolulu Underwriter with Trigeminal Neuralgia

Dabdoub Law Firm recently secured long-term disability benefits (LTD) on behalf of our client in Honolulu, HI. While our client was at the peak of her career as a Senior Underwriter, she was forced to stop working in March due to acute pain.

The effect of her condition was utterly disabling, as our client found herself unable to complete and enjoy the simple tasks that the majority of us do without thinking, such as bathing or showering, using the toilet, getting in and out of bed, and eating.

Cigna Wrongfully Denied Our Client’s Claim for LTD Benefits

Cigna failed to acknowledge the true extent and difficulties that our client must face on a daily basis as a result of her disabling conditions. Her chronic symptoms are debilitating enough to not only keep her out of work, but to severely impair her daily functioning.

As you can imagine, these impairments upended our client’s life. Not only was she forced to give up her career—an occupation that she enjoyed and excelled at since 2017—but she was also forced to accept a painful new reality of worsening symptoms, chronic pain, and the loss of her independence.

From the start, our client’s mentally and physically incapacitating condition prevented her from working in any capacity. Although Cigna rightfully paid her short-term disability benefits (STD) in full, they went on to wrongfully deny our client’s claim for LTD benefits, overlooking extensive medical evidence that our client went to great lengths to achieve from reputable physicians.

Our Disability Insurance Lawyers Successfully Appealed on Our Client’s Behalf

Given the substantial medical documentation to support our client’s claim, our skilled disability insurance attorneys were quick to point out Cigna’s error in judgment after denying her claim for LTD benefits.

Since leaving the workforce, our client has consulted with multiple physicians to better care for her health and manage her disabling conditions. She was diagnosed with Trigeminal Neuralgia (TN) and Occipital Neuralgia (ON), two rare neurological conditions entailing lifelong pain and treatment.

TN causes our client to experience extreme pain in her face. These attacks worsen over time and can be triggered by everyday events, such as brushing your teeth or being exposed to wind. Her ON symptoms are just as debilitating, as the condition causes piercing, shock-like pain in her head and neck.

The intensity and unpredictability of our client’s chronic pain are considered so unbearable that the condition was coined “suicide disease” in the medical community—and yet, Cigna saw fit to deny our client's claim for LTD benefits.

According to her insurer, our client was allegedly capable of working, but her physicians strongly disagreed with this baseless claim. After a medical evaluation, our client’s doctor clearly stated that she is unable to work in any capacity.

With the help of our client’s trusted physicians, Dabdoub Law Firm was proud to seek justice on her behalf by successfully securing her LTD benefits from Cigna.

Help from a Lawyer with Expertise in Disability Insurance

Disability insurance law is complex. Hiring an experienced disability attorney is important. Because all disability lawyers at this law firm focus on disability insurance claims, we proudly offer significant expertise in disability insurance law.

The Dabdoub Law Firm has:

  1. Experience with every major disability insurance company;
  2. A proven track record of success in winning major disability lawsuits; and
  3. Recovered millions of dollars in disability benefits for clients.

We never charge fees or costs unless our clients get paid. Our firm can help at any stage of your disability insurance claim, including:

Because federal law applies to most disability insurance claims, our lawyers are able to represent clients across the country.

Call (800) 969-0488 or contact us onlineto speak with an experienced disability attorney. Consultations are free.