I just lately had the privilege of representing a 53-year-old consumer who beforehand labored as a manufacturing meat packer at HEB, Inc. She confronted many severe well being challenges that made it unimaginable for her to proceed working. Her medical circumstances included kidney failure, continual ache in a number of joints, neuropathy in each legs and arms, osteoarthritis in each shoulders, fibromyalgia, tremors, continual complications, bilateral low again ache with sciatica, kidney illness, persistent bronchial asthma, nervousness, and despair.
When Lincoln Monetary Group (LFG) denied her short-term incapacity (STD) declare, she knew she wanted the assistance of an skilled incapacity insurance coverage lawyer. We appealed the denial of her STD advantages and, given the continual nature of our consumer’s situation, filed a concurrent declare for long-term incapacity (LTD) advantages.
We diligently ready and submitted her STD attraction and her utility for LTD advantages, together with an in depth affidavit, custom-made Residual Practical Capability (RFC) types, and up to date medical information to assist her declare. The thoroughness of our method paid off when LFG accepted her LTD declare. However the journey didn’t finish there.
Regardless of the approval of her LTD declare, her STD declare was nonetheless below overview. For the reason that LTD coverage requires a claimant to be disabled for 180 days earlier than Lincoln Monetary Group can pay LTD advantages, the approval of her LTD declare made it clear that the preliminary denial of STD advantages was unjustified. There was no cause for our consumer 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 resolution relating to the STD advantages.
Our agency’s persistence and experience resulted in LFG reversing its denial and recognizing our consumer’s rightful declare to STD advantages. We recovered almost $35,000 in past-due advantages, and our consumer 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 Regulation Agency, we battle for the rights of people that can not work due to their medical circumstances. If you happen to or somebody you understand is combating a long-term incapacity declare denial, you don’t should face it alone. Contact us at Ortiz Regulation Agency, the place we’re prepared that can assist you get the incapacity advantages you rightfully deserve. Name us as we speak at (888) 321-8131 for a free case analysis.
