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One other approval, this time in Melbourne, Florida. Consumer got here to us affected by lymphedema, lipomatosis, historical past of a failed laminectomy, sleep apnea, in addition to different situations. One of many distinctive features of this case was that the denial letter said that the consumer was not disabled from any occupation and that the coverage transitions from proving incapability to carry out your individual occupation to any occupation after only one yr, whereas the any-occ transition in most LTD insurance policies happens at 24 months. The insurance coverage firm decided that the consumer was capable of work at a sedentary place, and in the course of the file gathering and peer evaluation section of the insurer’s investigation, our consumer obtained a brand new prognosis from her treating physicians of Dercum’s illness, a uncommon dysfunction characterised by a number of, painful growths of fatty tissue referred to as lipomas. Though the insurance coverage firm offered the medical data establishing the brand new prognosis and therapy to their reviewing doctor, it didn’t change his opinion.
Cremeens Legislation Group PLLC gathered and obtained substantial and detailed medical proof to submit a 122-page enchantment, which resulted within the insurer’s determination to overturn its determination to disclaim the advantages and approve the consumer’s incapacity insurance coverage advantages on the administrative stage, with out having to file a lawsuit.
When you have been denied incapacity insurance coverage advantages, please give us a name to see if we may also help you too!
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