- DISABILITY CLAIM FAQ
When applying for long term disability (“LTD”) benefits no single medical condition necessarily needs to be disabling. I represent a 41 year old former Insurance Company Vice President whose LTD benefits Lincoln Financial Group approved on appeal today after supplying evidence of a second medical condition.
The claimant came to me after Lincoln had rejected her LTD application, which was based upon her neck impairments. On appeal, besides revealing the flaws with the way Lincoln reviewed the claimant’s cervical problems, I also notified Lincoln that the claimant was being treated for Chronic Fatigue Syndrome (“CFS”). The report from the rheumatologist treating the CFS indicated that the claimant could not work full time due solely to the CFS, just as the claimant’s orthopedist and pain management specialist both concluded that the claimant could not work full time due to her neck problems.
It should have been obvious that if the claimant’s neck impairments and CFS independently rendered the claimant incapable of working, that the combination of the two certainly did. Lincoln’s approval letter did not specify the reason why it reversed its decision and decided to approve LTD benefits. The major difference between what the claimant submitted when applying, and what I supplied when appealing, was the evidence regarding the CFS. Therefore, it would seem most likely that it was the claimant’s comorbid condition that resulted in the approval.Previous Next
DISCLAIMER This website provides general information on disability law topics as a public service. Information is intended to be as accurate and current as possible, but should not be relied on as legal advice. No attorney/client relationship is created by viewing or using the content on this website. Each legal problem is different, and past performance does not guarantee future results. You should not act on any of the information contained in this site without first consulting legal counsel, which is why readers are advised to seek experienced legal representation in connection with disability related issues. Our Internet links are not associated with us, and we do not guarantee the accuracy of, any information contained in any link.
Copyright © 2021, Law Offices of Jeffrey Delott
Site Powered By: WebDesignYou