Disability insurance attorneys Gregory and Steven Dell discuss a recently resolved MetLife disability insurance claim involving a young entrepreneur diagnosed with Dissociative Identity Disorder (DID). The claimant’s symptoms—including dual personality manifestations, severe anxiety and depression, disorientation, and hallucinations—significantly impaired his ability to run multiple businesses. His father initially helped file…
We discuss a federal court victory against Unum in a disability case involving a McKinsey consultant with a mental-health claim. Despite Unum’s multiple medical paper reviews and denial tactics, the judge conducted a de novo review, gave greater weight to treating specialists who had examined the claimant, and ruled in…
Long term disability attorneys Greg Dell and Cesar Gavidia discuss a successful appeal they handled against Unum, a major disability insurance company known for frequent denials. The case involved a high-level legal recruiter who developed severe, near-daily migraines after receiving a COVID-19 booster. Although she had mild, occasional migraines in…
We discuss a successful appeal overturning Unum’s denial of disability benefits for a golf course maintenance director who suffered a stroke. Unum initially approved his claim but later denied benefits after his doctors failed to complete required forms and Unum misinterpreted medical records—such as notes about traveling and signing up…
Attorneys Greg Dell, Stephen Jessup, and Alex Palamara from Dell Disability Lawyers discuss a successful disability insurance appeal against Principal Financial Group. Their client—a director of operations helping at-risk youth—suffered a heart attack and was denied short-term, long-term, and life insurance waiver benefits all at once. Principal’s denial was based…
Attorneys Gregory Dell, Rachel Alters, and Caesar Gavidia discuss a long-term disability appeal case that Rachel won against Standard Insurance Company. Rachel’s client, a registered nurse with multiple back and knee surgeries, had her benefits denied after the policy’s definition changed from “own occupation” to “any occupation.” Rachel explains how…
We discuss a successful long-term disability appeal against The Hartford. The case involved an Amazon employee who developed severe back and neurological issues that prevented him from working. Hartford approved his claim initially but terminated benefits after almost two years – just before the policy’s definition of disability changed from…
We discuss a disability insurance case handled by us, involving a former wellhead technician who suffered from severe degenerative spinal conditions (cervical and lumbar) and had undergone three back surgeries and a motorcycle accident. Despite clear medical evidence of worsening health, Prudential (the insurer) denied his long-term disability claim four…
Case Overview The discussion centers on a nurse suffering from severe gastrointestinal issues, including constant bowel incontinence and multiple surgeries. She was initially approved for short-term and long-term disability benefits, but after about 18 months, Lincoln Financial denied her claim. The insurer argued that after surgeries, she should be able…
Explore how to overcome disability insurance denials with disability insurance attorney Rachel Alters. Challenging Inaccurate Disability Assessments Overcoming Disability Insurance Denials with Rachel Alters Misclassification of Nursing Occupation Challenges with Vocational Assessments and Sedentary Work Insurance Bias in Medical Evaluations Challenges of Maintaining Focus in High-Stakes Jobs