When Guardian Life abruptly terminated certainly one of our consumer’s long-term incapacity (LTD) advantages, we knew we had a battle on our palms. Her case illustrates the significance of difficult insurers who unfairly deny claims based mostly on profit limitations for psychological and nervous situations—and why having skilled authorized illustration could make all of the distinction.
Our Consumer’s Story
For two years, our consumer acquired LTD advantages from Guardian because of her incapacity to work. Nonetheless, Guardian determined to terminate her advantages, citing a 24-month restrict (or most advantages payable below the coverage) for psychological well being situations. They claimed that her PTSD and ADHD have been the only real foundation for her incapacity, regardless of her intensive historical past of significant bodily situations, together with:
Having conveniently ignored her vital bodily impairments, it was clear to us that Guardian’s choice was unjustified.
Our Attraction Technique
We used our years of expertise to put together an enchantment robust sufficient to problem Guardian’s denial. Right here’s how we approached the method:
- Specializing in Bodily Impairments: We demonstrated that our consumer’s bodily situations—not simply her psychological well being diagnoses—have been independently disabling. By submitting intensive medical data, we left little doubt that her bodily limitations prevented her from performing even sedentary work.
- Uncovered Flaws in Guardian’s Analysis: We fastidiously analyzed Guardian’s choice and identified its errors, together with its failure to contemplate the complete extent of our consumer’s impairments and its reliance on outdated or incomplete medical opinions.
- Using Knowledgeable Testimony: We labored together with her treating physicians and different specialists to acquire compelling medical opinions and vocational proof demonstrating her incapacity to return to work in any capability.
Our Outcomes
In mild of the overwhelming proof we introduced, Guardian reversed its choice and reinstated our consumer’s long-term incapacity advantages. This victory ensured that she would proceed to obtain the monetary assist she wanted to deal with her well being and well-being. We recovered almost 5 figures in late advantages and the potential for over $100,000 in future advantages.
Don’t Let a Lengthy-Time period Incapacity Denial Take Away Your Monetary Safety
In case your long-term incapacity advantages have been denied or terminated, you don’t have to just accept the insurance coverage firm’s choice. On the Ortiz Regulation Agency, now we have the expertise and information to tackle even the most important insurers and can battle for the advantages you deserve.
Contact us on-line or name us in the present day at (888) 321-8131 for a free case analysis. Don’t wait—your monetary stability and peace of thoughts are too vital to go away within the palms of an insurance coverage firm. Allow us to enable you to battle again.
