Long Term Disability Case Examples

Westmoreland County - Successful Commutation of benefits - We recently helped a long-term client of the firm, who had utilized our services in handling prior Workers' Compensation and Social Security cases, to commute a Long-Term Disability claim which was being paid monthly into a lump sum payment of future benefits. The client suffered from degenerative medical conditions which were preventing him from returning to his prior work, and his conditions remained relatively stable. By commuting his benefits, we were able to minimize his risk of a future denial by allowing him to receive payment for future benefits in the form of a lump sum. We utilized our extensive experience in valuating cases to negotiate a fair and equitable commutation using the Net Present Value of the claim.


Pittsburgh Long-Term Disability Case - Successful Appeal - CIGNA(LINA) recently voluntarily overturned their decision to deny our client's Long-Term Disability after reviewing the appeal letter and documentation submitted by the attorneys at Quatrini Rafferty. The client suffered from a severe diagnosis of MS and had been on claim, until claim was reviewed and denied under an Any Occupation disability standard. After utilizing our approach to building an administrative claims file, which included the use of Vocational and Medical Reports, as well as the use of a Client deposition (that the carrier did not attend after we extended an invitation) CIGNA overruled themselves and reinstated our client's claim for continued Long-Term Disability benefits.


Short Term Disability Claim

When our client was denied in her claim for short-term disability, we stepped in to advocate for her in the appeal process. This client had a job working from her home via computer but the tasks of her job required a great deal of concentration and long hours at the computer. She began to suffer some very scary symptoms that her doctors were at first not able to explain. She would have episodes when she could not articulate her thoughts. She would not lose consciousness but would become confused, weak and exhausted when these events occurred. She would need to sleep after having these feelings. Her doctors suspected that she was having seizures but could not document seizure activity during the times they performed EEG studies. When her short-term disability benefits were denied, she had the added stress of the lack of income added to the stress she was facing because of her medical condition. Her treatments included the prescription drug as Keppra, a drug with significant side-effects, which in turn forced her to be introduced to other medications as a result. Eventually, she was diagnosed with a partial seizure disorder and the medication was adjusted so that she could move forward without significant problems. Our office was successful in having the denial of short-term disability overturned so that our client received the insurance payments that she was entitled to receive under the coverage provided by her employer.