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Emergency Room Physician with ME/CFS Secures LTD Benefits from Principal Life Insurance

A Celebrated Doctor Experiencing a Health Crisis 

Dr. X had always felt a calling to medicine. As an emergency room physician, she thrived on the front lines, providing immediate and specialized care to those in urgent, life-threatening situations. Every day, she assessed and diagnosed patients who came through the emergency department's doors, swiftly addressing injuries, trauma, and acute illnesses. Her role required quick thinking, seamless collaboration with multidisciplinary teams, and the ability to make rapid decisions to stabilize patients. It was a job that demanded medical expertise, unwavering dedication, and compassion. 

Life seemed perfect for Dr. X. She earned an impressive annual salary of over $400,000 while fulfilling her passion for saving lives daily. At just 40 years old, she had a bright future ahead, with plans to continue her beloved medical practice well into her retirement years. 

However, everything changed in January 2022. Life dealt Dr. X an unexpected and harsh blow. After contracting COVID-19, Dr. X developed additional debilitating conditions, including Myalgic Encephalomyelitis/Chronic Fatigue Syndrome and Fibromyalgia. Despite these overwhelming challenges, Dr. X continued to work for as long as her body would allow. She navigated her medical practice while grappling with persistent malaise, cognitive limitations, sleep deprivation, and tachycardia. 

As time went on, the relentless progression of these illnesses became too much to bear. The once energetic and sharp-minded physician found herself unable to practice medicine safely. The impact of her illness was profound, forcing her to step away from the career she loved and the life she had meticulously built. 

A Doctor's Struggle with ME/CFS 

Dr. X's life was abruptly overshadowed by profound fatigue, a hallmark of ME/CFS. It wasn't just the kind of exhaustion that a good night's sleep could resolve. It permeated every aspect of her being, leaving her drained and unable to muster the energy for even the simplest tasks. This relentless exhaustion was coupled with cognitive dysfunction, making it increasingly difficult for Dr. X to concentrate on complex cases or recall vital information. This new dynamic was a stark contrast to the sharp mind she once prided herself on. 

Sleep, which should have been a refuge, became another battleground. Abnormal sleep patterns disrupted Dr. X’s rest, leaving her feeling just as exhausted upon waking as she had been when she went to bed. Beyond the fatigue and cognitive struggles, Dr. X also endured a myriad of other symptoms. Pain, both physical and emotional, became a constant companion, and even minimal exertion exacerbated her condition, impacting multiple organ systems. This exertion wasn't limited to physical activities. Cognitive and emotional stressors also took their toll, too. 

The impact on Dr. X's professional life was profound. ME/CFS severely limited her ability to engage in the activities that defined her career. Routine tasks like conducting rounds, attending conferences, and even engaging with patients became Herculean challenges. The disease dramatically impaired her ability to live her normal life, forcing her to reduce her workload and, eventually, take an extended leave of absence. 

A Law Firm Intervenes 

As Dr. X faced the life-altering consequences of ME/CFS and other conditions, finding a viable path forward seemed increasingly difficult. Fortunately, Dabdoub Law Firm stepped in to provide the crucial support she needed. Recognizing the severity of Dr. X's condition, the firm helped her file for long-term disability benefits with Principal Life Insurance Company. 

The law firm meticulously prepared and submitted all the necessary documentation to substantiate Dr. X's claim, which included: 

  • Dr. X’s CV 
  • Job description 
  • Medical records 
  • Independent CPET review report 
  • Completed claim forms/authorizations 
  • Cardiopulmonary exercise test (CPET) report 

Because of the firm’s help, Dr. X was able to secure the disability benefits she urgently needed. This support has given her a much-needed lifeline, ensuring she receives the financial assistance necessary to manage her health and sustain her livelihood. 

Disability Insurance Companies Have Lawyers. Shouldn’t You?

Because this law firm was created to focus on disability insurance, we have developed an expertise in this complex area of the law.

Our expertise in long-term disability claims means our clients have the backing of a law firm that has attorneys who:

  1. are experts in disability claims;
  2. fought all major disability insurance companies and know their tactics;
  3. a track record of success;
  4. won major disability lawsuits that created good law; and
  5. recovered millions of dollars in disability benefits.

All our lawyers commit every day of their legal career to helping people get disability benefits from MetLife, UNUM, Prudential, Northwestern Mutual, Hartford, CIGNA, and others.

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

Call to get experienced disability lawyers on your side with:

  • Submitting a disability insurance claim;
  • Appealing a long-term disability denial;
  • Negotiating a lump-sum settlement; and/or
  • Filing a lawsuit against your disability insurance company.

If you need help with disability benefits, Dabdoub Law Firm is here for you. You can schedule a free consultation with our team by contacting us online or calling our office at (800) 969-0488