At the Ortiz Law Firm, we fight to make sure insurance companies live up to their obligations. Recently, we helped a Charles Schwab financial manager regain the claimant’s long-term disability (LTD) benefits after Lincoln National wrongfully terminated the claimant’s disability claim.
Denial of a Valid Disability Claim
Our client is disabled and unable to work due to severe fibromyalgia, chronic pain, migraines, cognitive impairment, and a number of other debilitating medical conditions, including bipolar disorder with visual and auditory hallucinations. After the claimant applied for LTD benefits, Lincoln National initially approved the claim and paid the claimant benefits for nearly a year.
Then, without warning, Lincoln National abruptly terminated the claimant’s LTD benefits. In its denial letter, the insurer stated that “the medical evidence does not support restrictions and limitations that prevent you from performing the material and substantial duties of your Own Occupation.” This reasoning directly contradicted its earlier approval of the claim.
How the Ortiz Law Firm Fought Back
We thoroughly reviewed the claim file and immediately identified critical errors in Lincoln National’s decision. One glaring error was that the insurance company’s reviewing physician falsely claimed that the claim file did not contain a neuropsychological evaluation. However, we proved that the evaluation was in the record and further argued that such an evaluation was not even required under the LTD plan to establish our client’s disability.
In our detailed 23-page appeal letter, we meticulously detailed Lincoln National’s errors and provided substantial medical evidence that our client remained disabled.
LTD Benefits Reinstated
After reviewing our comprehensive appeal and supporting evidence, Lincoln National reversed its denial and reinstated our client’s benefits. This decision ensured that the client would continue to receive the financial support the client required while managing complex medical conditions.
Has Your LTD Claim Been Denied or Terminated? We Can Help.
If your long-term disability benefits have been denied or terminated, you do not have to face the insurance company alone. At the Ortiz Law Firm, we fight tirelessly for claimants nationwide, helping them appeal wrongful denials and secure the benefits they deserve.
Call us today at (888) 321-8131 for a free case evaluation. Let’s fight for your benefits together.
