Dabdoub Law Firm recently landed another success story for a client with Lyme disease and various other health conditions related to the disease. Her long-term disability (LTD) benefits had been denied by Blue Cross Blue Shield (BCBS), even though her disabilities met the insurer’s own definitions in its policy. Attorney Geannina Burgos took the lead on this case and sent an entire docket of Dropbox documents to the insurer that helped prove her argument beyond doubt. Without the need for a lengthy trial, our client’s benefits were restored, and missing benefits were backpaid.
Details of the Senior Sales Director Lyme Disease Case
Our client worked as a Senior Sales Director in Boca Raton, Florida, which she loved due to the engaging and active nature of the work. However, in early 2024, her health rapidly deteriorated as she showed signs of cognitive dysfunction, hypersomnia, chronic fatigue, inflammatory symptoms, musculoskeletal pain, and complications related to Lyme disease, mold exposure, and Hashimoto’s disease. Her treating physician predicted that she would be experiencing disabilities by the end of May because treatment attempts were largely unsuccessful. On May 31, 2024, she was terminated from work because her disabilities prevented her from being able to continue her necessary job functions.
Knowing that she had disability insurance meant for situations just like hers, she filed with BCBS, only to be denied. The insurer denied her claim primarily because it said she failed to file for disability benefits on time, but it seemingly ignored that she failed this administrative task because of the conditions that had disabled her in the first place. She filed a pre-suit short-term disability appeal without counsel, and it was rejected, so she turned to Dabdoub Law Firm for help.
Attorney Burgos and her team dug into the details of our client’s LTD insurance policy. She discovered that under the policy’s own details, the definition of ‘total disability’ should have applied due to how much our client had worked and consecutively paid into the policy. It was also uncovered that BCBS wrongfully asserted that she had become disabled the day after she was fired, which was illogical because A) she was fired due to her disabilities interrupting her work, and B) her disabling conditions were medically documented well before that.
By citing pre-existing case law in similar cases and forwarding a large docket of important documents related to her health condition and insurance policy, Attorney Burgos was able to convince BCBS to rethink its decision. Ultimately, without the need for trial, the insurer agreed to approve the long-term disability benefits going forward and pay for the past benefits that had not been provided.
Lawyers with Expertise in Disability Insurance Claims
This law firm has always focused only on disability insurance law. Because we specialize in long-term disability, our clients get the benefit of:
- Having an attorney who is an expert in long-term disability claims;
- Having an attorney who has experience with every major disability insurance company; and
- Being backed by a law firm that has a proven track record of winning tough disability lawsuits.
Call the Dabdoub Law Firm to get experienced disability lawyers on your side. We can 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.
The firm represents clients nationwide with disability claims governed by federal law, even if we are not located in your state.
Call (800) 969-0488 or contact us online to speak with an experienced disability attorney. Pay no fees or costs unless you get paid.