On the Ortiz Legislation Agency, we struggle to ensure insurance coverage corporations dwell as much as their obligations. Lately, we helped a Charles Schwab monetary supervisor regain the claimant’s long-term incapacity (LTD) advantages after Lincoln Nationwide wrongfully terminated the claimant’s incapacity declare.
Denial of a Legitimate Incapacity Declare
Our consumer is disabled and unable to work on account of extreme fibromyalgia, power ache, migraines, cognitive impairment, and quite a few different debilitating medical circumstances, together with bipolar dysfunction with visible and auditory hallucinations. After the claimant utilized for LTD advantages, Lincoln Nationwide initially authorized the declare and paid the claimant advantages for almost a yr.
Then, with out warning, Lincoln Nationwide abruptly terminated the claimant’s LTD advantages. In its denial letter, the insurer said that “the medical proof doesn’t help restrictions and limitations that forestall you from performing the fabric and substantial duties of your Personal Occupation.” This reasoning immediately contradicted its earlier approval of the declare.
How the Ortiz Legislation Agency Fought Again
We totally reviewed the declare file and instantly recognized crucial errors in Lincoln Nationwide’s choice. One obtrusive error was that the insurance coverage firm’s reviewing doctor falsely claimed that the declare file didn’t include a neuropsychological analysis. Nevertheless, we proved that the analysis was within the report and additional argued that such an analysis was not even required beneath the LTD plan to determine our consumer’s incapacity.
In our detailed 23-page attraction letter, we meticulously detailed Lincoln Nationwide’s errors and offered substantial medical proof that our consumer remained disabled.
LTD Advantages Reinstated
After reviewing our complete attraction and supporting proof, Lincoln Nationwide reversed its denial and reinstated our consumer’s advantages. This choice ensured that the consumer would proceed to obtain the monetary help the consumer required whereas managing advanced medical circumstances.
Has Your LTD Declare Been Denied or Terminated? We Can Assist.
In case your long-term incapacity advantages have been denied or terminated, you shouldn’t have to face the insurance coverage firm alone. On the Ortiz Legislation Agency, we struggle tirelessly for claimants nationwide, serving to them attraction wrongful denials and safe the advantages they deserve.
Name us right now at (888) 321-8131 for a free case analysis. Let’s struggle to your advantages collectively.
