Our client is a vascular surgeon who suffers from numerous co-morbid conditions, including Chronic and Recurrent Alcoholism, Hepatitis C, Fatigue, Diabetes, Hemochromatosis, Hyperparathyroidism, Lumbosacral Disc Herniations, Degenerative Disc Disease, Facet arthropathy, Foraminal Stenosis, Chronic Pain, Depression, and Anxiety. He was unable to complete all the material and substantial duties of his job as a vascular surgeon within the course of a normal workday. He had filed for and was receiving residual disability benefits for several years when Unum terminated our client’s benefits.
Unum relied upon selective portions of medical records and excluded more persuasive information and failed to undertake an appropriate investigation, relying upon biased and goal-oriented paper reviews of the evidence performed by well-known pro-insurer doctors. Making matters worse, Unum failed to appropriately consider our client’s occupational requirements in evaluating his ability to be able to perform all of his work activities within the course of a normal work day, and failed to afford our client a “full and fair” review of his claim.
We fought back, and won. Our client is now back on claim as he struggles to cope with his many health issues. If you are facing challenges from many different illnesses at once and are having problems with your long term disability insurance claim, call our office today to learn how we can help.
Justin C. Frankel is committed to fighting for the rights of clients when their long term disability insurance claims have been denied, delayed or terminated.