A client with multiple spinal disorders came to us after Standard denied long-term disability insurance benefits. Examining the denial, we realized Standard understated the work schedule for the occupation, and underappreciated the limitations the client had with sitting, standing, or generally maintaining any one position for meaningful periods of time. Highlighting the deficiencies in the analysis of the medical evidence and the occupational demands, we persuaded Standard our client was truly disabled and entitled to benefits.
Standard denied our client’s life insurance claim after the client’s spouse passed away, believing the couple had coverage. Standard asserted the insured spouse lost life insurance coverage after leaving employment. We were able to retroactively demonstrate the insured qualified for premiums waived due to disability, allowing our client to recover the policy proceeds.