You were supposed to be paid long-term disability benefits because you cannot work. You went through the claim and the appeal. But the insurer still will not pay your claim. The stress of the delay and income loss exacerbates your symptoms. Because of our Compassion, we understand, and do everything we can to avoid you being here. Our pre-litigation appeal process is the best opportunity to avoid this, but it still happens sometimes.
Our Core Values set us apart and are what give us an unmatched track record in long-term disability insurance litigation: zero losses. We are principled about obtaining the outcomes our clients most want. We respect firms that have dozens or hundreds of appellate court decisions, but the untold reality is those cases were lost in the district court, and the clients waited many years to be paid.
We are the strongest at assessing a case’s strengths and weaknesses, anticipating what a court will do, and tailoring our litigation strategy to what is likely to succeed. Courts appreciate our Authenticity and Transparency. Insurers and defense lawyers respect it. Clients love it.
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)