I lately had the privilege of representing a 53-year-old shopper who beforehand labored as a manufacturing meat packer at HEB, Inc. She confronted many critical well being challenges that made it unattainable for her to proceed working. Her medical situations included kidney failure, power ache in a number of joints, neuropathy in each legs and arms, osteoarthritis in each shoulders, fibromyalgia, tremors, power complications, bilateral low again ache with sciatica, kidney illness, persistent bronchial asthma, nervousness, and melancholy.
When Lincoln Monetary Group (LFG) denied her short-term incapacity (STD) declare, she knew she wanted the assistance of an skilled incapacity insurance coverage legal professional. We appealed the denial of her STD advantages and, given the power nature of our shopper’s situation, filed a concurrent declare for long-term incapacity (LTD) advantages.
We diligently ready and submitted her STD attraction and her software for LTD advantages, together with an in depth affidavit, custom-made Residual Useful Capability (RFC) kinds, and up to date medical information to assist her declare. The thoroughness of our strategy paid off when LFG authorised her LTD declare. However the journey didn’t finish there.
Regardless of the approval of her LTD declare, her STD declare was nonetheless below evaluation. Because the LTD coverage requires a claimant to be disabled for 180 days earlier than Lincoln Monetary Group pays LTD advantages, the approval of her LTD declare made it clear that the preliminary denial of STD advantages was unjustified. There was no purpose for our shopper to attend any longer to obtain her rightful STD advantages. Armed with the LTD advantages approval and the coverage language, we submitted a requirement for LFG to reverse its earlier determination concerning the STD advantages.
Our agency’s persistence and experience resulted in LFG reversing its denial and recognizing our shopper’s rightful declare to STD advantages. We recovered practically $35,000 in past-due advantages, and our shopper is eligible to obtain over $450,000 in future advantages if she continues to fulfill the coverage’s definition of incapacity. If she does, her whole restoration will exceed $485,000 in advantages!
At Ortiz Legislation Agency, we struggle for the rights of people that can not work due to their medical situations. In the event you or somebody you realize is scuffling with a long-term incapacity declare denial, you don’t must face it alone. Contact us at Ortiz Legislation Agency, the place we’re prepared that will help you get the incapacity advantages you rightfully deserve. Name us right this moment at (888) 321-8131 for a free case analysis.
