We not too long ago had the privilege of representing a former claims adjuster for an insurance coverage firm who confronted an amazing array of well being points. Her life was deeply affected by persistent extreme ache and a sequence of debilitating situations, together with osteoarthritis, fibromyalgia, and issues following breast most cancers, amongst others.
Lincoln Nationwide Lower Off Lengthy-Time period Incapacity Advantages After Two Years
After paying her two years of incapacity advantages, her insurance coverage firm, Lincoln Nationwide, determined to terminate her advantages as her coverage moved into the “Any Occupation” stage of incapacity. Lincoln Nationwide, also called Lincoln Monetary Group, asserted that she might carry out sedentary work (a desk job).
Decided to overturn this denial, we meticulously reviewed each element of the claimant’s medical data and the nuanced insuring clauses in her insurance coverage coverage. Our crew gathered in depth proof, together with detailed statements from her medical suppliers, highlighting the severity and in depth nature of her situation. It was clear that her signs and limitations considerably compromised her skill to carry out her earlier job or any job.
We Efficiently Appealed the Lengthy-Time period Incapacity Denial
In our attraction, we argued vigorously towards Lincoln’s determination:
- We identified that their demand for sure kinds of medical proof was past what the coverage required and ignored the excellent medical documentation we supplied.
- We emphasised that the mixture of the claimant’s bodily and psychological illnesses severely restricted her capability to keep up common employment, even in a sedentary place.
- We argued that Lincoln Nationwide didn’t absolutely think about the erosion of the sedentary occupational base and that, due to her situations, the claimant couldn’t carry out the occupations Lincoln advised. Backed with strong knowledge and skilled opinions, we challenged Lincoln’s evaluation of the roles the claimant might supposedly carry out.
After totally reviewing our attraction, Lincoln overturned its denial and reinstated the claimant’s advantages. She acquired over $25,000 in past-due advantages. If she continues to satisfy the definition of incapacity, the entire potential advantages recovered into the long run will exceed $150,000.
This victory was not only a win when it comes to monetary assist for our shopper, however a validation of her situation and struggles. It additionally underscores the significance of devoted authorized assist in long-term incapacity claims.
Get Assist from a Nationwide Lengthy-Time period Incapacity Lawyer
In case your insurance coverage firm denied your declare for long-term incapacity advantages, we will help. We’ll evaluation your denial letter and clarify how we will help you get the advantages you deserve. Contact us on-line or name (888) 321-8131 for a free case analysis.
