Bartolic Law helps Financial Managers and Advisors recover their long-term disability insurance benefits. Whether your coverage is under your employer’s group long-term disability insurance, your own Individual Disability Insurance policy, or both, we can help you through the process. In one client’s case, our client suffered from cervical radiculopathy and arthritis, interfering with the client’s ability to perform any work on a computer. Given how much of the work was done on a computer, the client could not maintain the required level of workload to produce as necessary. Using a detailed vocational analysis, we persuaded the insurer the client could not perform the required elements of the occupation. We also were able to demonstrate that given the client’s earnings level, the client would not be able to meet the insurance policy’s required wage level in any different occupation that could accommodate the client’s limitations. We’d love to help you, too.
Financial managers get paid to make decisions and provide advice regarding other people’s financial pictures. Often, these managers use their tactics to build their own financial futures. No matter how hard you work to manage your money – or that of your clients – you cannot prevent a sudden disability from derailing your plans. Financial stability usually depends on your income as a financial manager, but what happens when you lose your ability to work?
You likely know that you should immediately turn to your disability insurance provider for benefits, but you might not realize that getting those benefits might be much harder than you ever anticipated. Insurance companies are out to make profits, which means limiting benefit payouts as much as possible. Your provider might delay or deny your claim, thinking you will give up. You should always remember that your insurer has obligations under your policy, and there are ways to fight back against their tactics. The best way to do so is to hire a Chicago disability insurance benefits 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)
Financial managers are experts at managing their finances – that is until they lose their income due to a disability. Then, they face the often challenging battle of securing disability insurance benefits. Claims can be denied, delayed, or otherwise complicated, but Bartolic Law is ready to help. Contact us to discuss your claim and get more information about how our legal team might assist you.