On the Ortiz Legislation Agency, we battle to ensure insurance coverage corporations dwell as much as their obligations. Just lately, we helped a Charles Schwab monetary supervisor regain the claimant’s long-term incapacity (LTD) advantages after Lincoln Nationwide wrongfully terminated the claimant’s incapacity declare.
Denial of a Legitimate Incapacity Declare
Our shopper is disabled and unable to work as a consequence of extreme fibromyalgia, power ache, migraines, cognitive impairment, and a variety of different debilitating medical circumstances, together with bipolar dysfunction with visible and auditory hallucinations. After the claimant utilized for LTD advantages, Lincoln Nationwide initially accredited the declare and paid the claimant advantages for practically a yr.
Then, with out warning, Lincoln Nationwide abruptly terminated the claimant’s LTD advantages. In its denial letter, the insurer acknowledged that “the medical proof doesn’t assist restrictions and limitations that forestall you from performing the fabric and substantial duties of your Personal Occupation.” This reasoning immediately contradicted its earlier approval of the declare.
How the Ortiz Legislation Agency Fought Again
We completely reviewed the declare file and instantly recognized important errors in Lincoln Nationwide’s resolution. One obtrusive error was that the insurance coverage firm’s reviewing doctor falsely claimed that the declare file didn’t include a neuropsychological analysis. Nevertheless, we proved that the analysis was within the file and additional argued that such an analysis was not even required beneath the LTD plan to determine our shopper’s incapacity.
In our detailed 23-page enchantment letter, we meticulously detailed Lincoln Nationwide’s errors and offered substantial medical proof that our shopper remained disabled.
LTD Advantages Reinstated
After reviewing our complete enchantment and supporting proof, Lincoln Nationwide reversed its denial and reinstated our shopper’s advantages. This resolution ensured that the shopper would proceed to obtain the monetary assist the shopper required whereas managing complicated medical circumstances.
Has Your LTD Declare Been Denied or Terminated? We Can Assist.
In case your long-term incapacity advantages have been denied or terminated, you would not have to face the insurance coverage firm alone. On the Ortiz Legislation Agency, we battle tirelessly for claimants nationwide, serving to them enchantment wrongful denials and safe the advantages they deserve.
Name us right now at (888) 321-8131 for a free case analysis. Let’s battle on your advantages collectively.
