Bartolic Law helps banking professionals recover their long-term disability insurance benefits. Whether you have an individual policy or receive group long-term disability insurance coverage through your employer, we can help. We helped numerous bankers in client-facing roles who suffered from various illnesses that impacted their ability to stand and walk as required for the job.
In one case, our client provided critical infrastructure support for the banking business, and suffered from debilitating cervical radiculopathy and arthritis. The client could not keep up with the demands of the necessary work on computers and servers to maintain competitive employment in the field. We were able to show the client qualified for occupational disability. Subsequently, we were able to convince the insurer that due to the client’s high earnings, the client could not obtain the required wage in a substitute occupation, either, qualifying the client for “any occupation” disability. While we wish fewer people have these sorts of disability insurance disputes, we are proud to help banking professionals put these troubles behind them, and focus on their health.
Our society relies on bankers to issue mortgages and other forms of financing, help us make financial transactions, and raise capital for investments and loans. The banking industry is highly regulated, and every banker must know and comply with many complex rules and regulations. In addition, in many markets, the banking profession is cutthroat, and it takes hard work, long hours, and dedication to move up the ladder. If you have worked hard to establish yourself as a banking professional and recently suffered a disabling condition, it is natural to be concerned.
Not only are you dealing with the disabling illness or injury, but you are also wondering how you will support yourself and your household while you cannot work. Many banking professionals have disability insurance coverage through their places of employment or their own personal policies, and this coverage should provide benefits for financial support. However, many people run into roadblocks when it comes to disability claims, as insurance companies often work to pay as little as possible on such claims, and they might challenge your disability and other aspects of your claim. Seeking legal help with the claim process is key.
Ferrin v. Aetna Life Ins. Co., 336 F. Supp. 3d 910 (N.D. Ill. Sept. 28, 2018) (holding insurance policy’s grant of discretionary authority is void under Texas law due to certificate being issued after effective date of regulation, and policy renewing after effective date, and holding Plaintiff was disabled from Any Reasonable Occupation where treating doctors certify she can sit at the occasional level, and insurer’s consultants opine Plaintiff can sit frequently, as weighing all evidence together would make capacity likely at low end of frequent range at best).
Sadowski v. Tuckpointers Local 52 Health & Welfare Trust, 281 F. Supp. 3d 710 (N.D. Ill. Dec. 20, 2017) (holding plan was arbitrary and capricious in denying medical benefits for removal of spinal cord stimulator following a fall down the stairs and infection where plan argued the expenses were caused by the same injury as the car accident necessitating implantation of the stimulator years earlier)
Tassone v. United of Omaha Life Ins. Co., 264 F. Supp. 3d 867 (N.D. Ill. Aug. 30, 2017) (awarding client long term disability benefits denied by United of Omaha despite insurer’s doctor opining there was no objective evidence of functional impairment)
Suson v. PNC Fin. Servs. Grp., Inc., No. 15-CV-10817, 2017 WL 3234809 (N.D. Ill. July 31, 2017) (holding Liberty Mutual’s denial of client’s long term disability benefits was arbitrary and capricious where Liberty Mutual disregarded client’s carpal tunnel syndrome and relied on a vocational opinion to which client never had an opportunity to address before litigation)
Banking professionals face unique challenges in the current occupational landscape. Many client-facing banking positions require standing and walking to a significant degree. Banking professionals who are not in client-facing roles often perform a heavy amount of work on computers, requiring keyboarding and data analysis.
If you need to seek disability benefits because you cannot work as a banking professional, you want a Chicago disability lawyer from Bartolic Law handling your claim. Contact us today for more information about the claim process and how we can assist you.