Bartolic Law has helped many Registered Nurses with getting long-term disability benefits paid. Whether you need to make a claim, appeal a denial, or file a lawsuit, we can help. In one case, a Registered Nurse battled Hepatitis induced Cirrhosis of the liver for years, having multiple liver transplants.
Following the most recent organ transplant, the client’s doctor restricted the client from returning to work, given the medications required were immunosuppressive, and a prior transplant failed. The insurer terminated long-term disability benefits because the client recovered from the procedure, but it disregarded the risk of returning to work and exposure to the public. Working with the client’s treating physician and the client’s family, were able to persuade the insurer of the high risk of yet another organ failure if the client were exposed to the public in a hospital setting.
Registered nurses provide patients in many medical environments with the care they need. This hands-on position is vital to the health care system, and RNs must be physically and mentally strong to perform their jobs. If a registered nurse develops a disability, they likely need to take time away from work – or possibly stop working altogether. You worked hard to become a registered nurse, and you should do the same to protect your finances if a disability keeps you from working. This means taking your disability insurance claim very seriously and seeking the right legal assistance.
Because you pay for your disability coverage, you likely assume that you will receive benefits as soon as you file your claim. The reality is that it can be much more complicated to obtain benefits than most people imagine. This is because the insurance company makes more profits the fewer benefits it pays, so it can make getting benefits a challenge. The upside is that there is help available in the form of a Chicago disability benefits attorney. Reach out for help with your claim so that you can focus on your health.
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)
At Bartolic Law, we assist clients with the entire disability claim process, whether you need help filing your claim or have already received a denial and are unsure how to proceed. Contact us for a free consultation and case evaluation as soon as possible.