Bartolic Law has helped accountants recover their long-term disability benefits from insurers. In one recent matter, we helped a partner of an accounting firm who suffered debilitating daily migraines recover long-term disability benefits. Due to the severity and frequency of the migraines, the client could not spend the necessary time on a computer screen analyzing data to work anywhere near a full-time schedule.
Though medical records and opinions were helpful, we buttressed the claim by showing the criteria to qualify for certain treatments (e.g., Botox injections), suggesting the severity of the symptoms. We also strengthened the claim by including daily symptom and activity journals that corroborated what the insurer called mere “subjective complaints.” By combining these elements, we were able to transform the case from one that simply appeared as unsupported complaints, to one that lacked any evidence to suggest the complaints were anything but true.
We rely on accountants to ensure that our company books are accurate and to minimize our tax liability each spring. There is a lot that goes into becoming an accountant, including higher education, passing exams, obtaining your CPA license, and gaining experience in the field. Many people enjoy lucrative careers as accountants their entire lives. However, some people have their careers as accountants disrupted too early by a serious disability. Many disabilities can prevent accountants from working, including those that result in depression or anxiety, cognitive impairment, chronic pain or migraines, paralysis, cancer, and many more.
If your career stopped short because of a disabling injury or illness, your financial situation can be concerning. If you have disability insurance coverage – either through your employer or self-purchased – this is the time when it should come into play and provide coverage. You might assume that if you cannot work as an accountant anymore, you should automatically receive benefits. Unfortunately, the claim process is often a lot more complicated than that. Often, accountants have their disability claims delayed or denied altogether. It is important to have the right legal help from a Chicago disability claims lawyer.
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)
Modern accounting practices face significant challenges that most other occupations do not face. For instance, the ability to work through busy seasons is critical, despite insurers often measuring simply whether you can work a forty-hour workweek. Accountants increasingly must spend time in front of a computer and analyze complex data on spreadsheets. Various medical conditions impairing this ability can have a disproportionately greater impact on accountants than they do on other occupations.
Bartolic Law helps a wide range of professionals seek and receive the disability benefits that they need if they cannot work. Contact us for a free case evaluation, whether you need help with a new claim or received a claim denial that you need to appeal.