HOW WE HELPED OUR CLIENT OVERTURN UNUM’S DANGEROUS DENIAL ‘His Seizures Could Occur at Any Time’
Does your office turn away calls about “long-term disability insurance” claim denials because you don’t handle administrative appeals or “ERISA litigation” in federal court? We want to hear from you! We happily share fees on referred ERISA long-term disability, life insurance, and accidental death insurance denial cases. Send us an email at HelpDesk@jpricemcnamara.com or call (225) 201-8311 to start the referral process! Now a bed and breakfast, Loyd Hall’s guests have long reported Loyd’s continued footsteps and presence there. But other Loyd Hall legends exist, like Harry, the Union soldier who was shot in the attic. Large bloodstains there (a main attraction on tours) have been tested and authenticated and are presumed to be his. He appears in the house, too, often playing a violin. WE VALUE YOUR REFERRALS! New Orleans may be considered the most haunted city in the U.S. with its eerie hotels, Voodoo culture, vampires, and other legends, but it’s not the only place in Louisiana with tales of the paranormal or ghostly activity. Many south Louisiana plantations, antebellum homes, historic bridges, and graveyards are said to host strange occurrences attributed to ghosts and goblins. Cheneyville’s Loyd Hall is a perfect example. Loyd Hall’s original owner, William Loyd, always said he wasn’t fond of the visitors occupying his plantation during the Civil War. But apparently, he enjoyed his visitors at least a little while acting as a double spy for the Union and Confederate sides who did come. But that all ended when he was discovered tarred, feathered, and hung from a tree in his own yard. THESE LOUISIANA The Big Halloween
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Our client, James (not his real name), suffered from extreme seizures, and his treating physicians told him that he was absolutely unable to work as a control panel operator for Valero. It was a job that required him to work from heights and with hazardous equipment, and he would be putting himself and others at risk. Yet UNUM Insurance Company ignored their opinions and denied his claim. UNUM further claimed his evidence was insufficient to prove his case, despite his treating physicians’ unwavering opinions that he was disabled and could not perform the work. We worked closely with James to help him build his claim carefully and systematically with new, undeniable evidence far beyond what he had presented to UNUM before the company denied his claim. In helping James gather evidence to build his case, we needed to learn all the details of his story. We learned that his seizures could occur at any time without warning. He also described how some of the medications he had to take caused him to experience dizziness and nausea, leading to errors and an inability to keep pace to accomplish any work on time. He described how, whether or not he was taking the medications, he experienced increased anxiety over the pressure to complete his work and how the stress seemed to trigger seizure-like episodes, often while engaging in hazardous job duties. Our team fortified these statements by speaking with some of James’ treating physicians and created detailed physician notes, which we then turned into formal, signed statements. We presented these and other new overwhelming evidence that was not part of James’ initial denied application to UNUM. James’ description of how the seizures affected his life was compelling, and thankfully, presented with undeniable new evidence in James’ appeal, UNUM finally did the right thing. The company paid him for all past-due benefits and a lump-sum settlement amount based on what would have been owed to him under the policy going forward. In the end, because he continued to fight instead of just accepting the insurance company’s denial of his disability claim, James was able to maintain his financial security while he took some much-needed time to pursue further treatment and focus on healing and alternative vocational pursuits.
ERISA is all we do!
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