Long-Term Disability Case Examples
Westmoreland County — successful commutation of benefits — We recently helped a long-term client of the firm who had used our services in handling prior workers’ compensation and Social Security cases commute a long-term disability claim that was being paid monthly into a lump-sum payment of future benefits. The client suffered from degenerative medical conditions that prevented 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 used 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 its 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 severe multiple sclerosis and had been on claim until the claim was reviewed and denied under an any occupation disability standard. After using our approach to build 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 itself 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 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, the lack of income added to the stress she was facing because of her medical condition. Her treatments included the prescription drug Keppra, a drug with significant side effects, which forced her to turn 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 she was entitled to under the coverage provided by her employer.