Info Library

Find answers to your disability claim questions.

Welcome to our Info Library.

The Info Library is a resource for people who have questions about disability insurance benefits, insurance companies, medical conditions, occupational demands, claims, appeals, and litigation.

Think of it as a practical guide to disability claims. Our goal is to explain common issues in clear, useful terms so you can better understand the process, the risks, and the decisions that may affect your benefits.

New articles are added regularly.

 

Category: Success Stories

Case Study: Reversing Disability Denial for Attorney with Chronic Fatigue Syndrome

Success Stories Attorney Case Studies Lawyer Diagnosis - Myalgic Encephalomyelitis Dignosis - Chronic Fatigue Syndome

“Bill” was a successful mergers and acquisitions attorney with a major law firm. Bill suffered from debilitating fatigue and cognitive deficits as a result of chronic fatigue syndrome.

The insurance company denied his claim on the sole ground that Bill stated in his application form that he was “exercising lightly three or four times a week.” The insurer claimed that this was inconsistent with his claim of disability.

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Lyme Disease Impairs A Sales Trader

Success Stories Sales Trader Diagnosis - Lyme Disease Case Studies

“Todd” was a sales trader at a major investment bank. Todd suffered severe cognitive deficits as a result of Lyme Disease. Todd continued to work as long as he could despite the deficits, but was forced to go out on disability when he made several incorrect trades that cost his employer thousands of dollars. The insurance company denied Todd’s claim, asserting that he submitted insufficient objective evidence of disability.

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Department Store Manager Wins Long Term Disability Benefits After Back Injury

Success Stories Diagnosis - Spinal Injury Manager Case Studies Retail Manager Diagnosis - Neck/Back

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Investment Banker Wins LTD Benefits and Life Insurance Waiver Reinstatement

Jobs Success Stories Investment Banker Banker Case Studies Diagnosis - Chronic Pain

“Jason” was a successful investment banker in New York City. His work required high-level judgment, long hours, sustained focus, client responsiveness, and the ability to perform in a demanding financial environment.

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Chemotherapy Treatment Disables Training Consultant

Jobs Success Stories Consultant Case Studies Business Consultant

Jason was the Head Training Consultant for a number of high-end banks and insurance companies in New York City.  Jason was diagnosed with throat cancer and HIV.  The chemotherapy treatment, in addition to HIV, resulted in severe and debilitating fatigue, neuropathy of the hands and feet, stiffness in his hands and feet and dry mouth making it difficult to talk.

Jason was receiving LTD benefits under his group disability policy he purchased years before through his employer. Unfortunately, his insurer without warning discontinued his benefits, claiming that Jason was not totally disabled and that he could return to work.

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