What You Should Know:
- A long-time professional in financial fraud investigations was forced to stop working after sustaining a traumatic brain injury and developing ongoing neurological and cognitive impairments.
- Her long-term disability (LTD) benefits were wrongfully terminated by Aflac despite overwhelming medical and functional evidence of her continued inability to work.
- Medical documentation included detailed provider reports, a cognitive functional assessment, and personal statements highlighting her impairments and daily limitations.
- Dabdoub Law Firm represents clients across the U.S. with denied or terminated disability benefits and has a proven record of success in fighting back against unfair insurance practices.
From Career to Crisis: A Sudden Onset of Disability
The claimant spent years in a high-responsibility role conducting fraud investigations for a major financial institution. Outside of work, she enjoyed a fulfilling family life, engaging with her children and grandchildren, cooking, and reading. That all changed after she suffered two serious falls in less than a year, resulting in a traumatic brain injury, wrist fracture, and post-concussion syndrome.
Despite receiving LTD benefits for 12 months, the insurance company abruptly terminated her claim without justification, claiming she was now capable of sedentary work. The decision came without any improvement in her condition, and in fact, her symptoms had worsened.
Neurological and Cognitive Impairments Prevent Return to Work
Multiple treating providers confirmed that the claimant’s physical and cognitive symptoms remained disabling. These included:
- Severe migraines, frequent dizziness, and vertigo
- Cognitive dysfunction, including memory loss, brain fog, and processing delays
- Left-hand neuropathy and weakness from a wrist injury
- Functional limitations requiring caregiver assistance and significant accommodations for basic daily activities
According to one treating neurologist, even viewing a computer screen for longer than an hour would trigger debilitating headaches.
Objective Testing Confirms Severe Cognitive Decline
To further support her appeal, the claimant underwent a Cognitive Functional Assessment administered by a licensed clinical psychologist. The testing revealed:
- Severe impairments in memory, concentration, and information processing
- Inability to perform tasks consistently or at a normal pace
- Reduced tolerance for light, screen exposure, and stress
- Functional deficits that were incompatible with any full-time work, even in a sedentary role
The assessment required multiple sessions due to her inability to complete standard testing in a single sitting, highlighting the extent of her cognitive dysfunction.
Personal and Family Testimonies Add Powerful Evidence
The claimant’s appeal was further strengthened by firsthand declarations from her husband and daughter, both of whom now help her manage everyday tasks. They described:
- Her isolation and withdrawal from daily life
- Her dependence on others for mobility, medication, and meal preparation
- Her emotional distress due to her inability to engage with loved ones the way she once could
Wrongful Termination of Long Term Disability Benefits Undone Through Appeal to Aflac
Despite the insurance company’s claim that she was suddenly no longer disabled, they could not point to any evidence of medical improvement. The consistency of treating provider documentation, combined with objective test results and supporting statements, forced the insurer to reverse course and approve this claim once again.
Ultimately, the claimant’s LTD benefits were reinstated, ensuring she had financial security while continuing treatment for her complex medical conditions.
A Powerful Reminder That Appeals Can Win
This case demonstrates the importance of not giving up after a wrongful LTD termination. Through expert legal advocacy, clear medical documentation, and credible testimony, disability benefits were reinstated for a woman whose life was dramatically changed by injury and illness.
Dabdoub Law Firm handles long-term disability claims across the country. We’ve taken on every major insurance company, and we know how to win. If your disability benefits were wrongfully denied or terminated, we can help you fight back by:
- Submitting a disability insurance claim
- Appealing a long-term disability denial
- Negotiating a lump-sum settlement
- Filing a lawsuit against your disability insurance company
Consultations are always free, and you don’t pay unless we win. Call today.