In a David versus Goliath battle with Unum, one of many nation’s largest incapacity insurance coverage suppliers, our shopper, a 59-year-old doctor, achieved a landmark victory, securing her rightful long-term incapacity advantages. Our shopper’s journey exemplifies resilience within the face of formidable challenges posed by her debilitating situation, Myalgic Encephalomyelitis/Power Fatigue Syndrome (ME/CFS).
Our shopper’s battle started when the debilitating signs of ME/CFS severely compromised her skill to observe medication safely. Experiencing excruciating ache and profound cognitive deficits, she was compelled to confront the truth that her medical profession, constructed on many years of dedication and experience, was abruptly halted.
The battle intensified when Unum, using aggressive ways typical of insurance coverage firms, sought to terminate her incapacity advantages. They initiated surveillance operations, hoping to “catch” her in any exercise that might discredit her declare. Regardless of their efforts, which included a number of in-house medical critiques and the deployment of a biased “employed gun” by means of a pro-insurance vendor, DaneStreet, Unum by no means bothered to conduct an in-person examination of her, regardless of the complexities of ME/CFS. Their selections had been based mostly solely on superficial paper critiques carried out by its in-house employees and biased paid consultants who by no means personally interacted with, handled, or examined her.
Central to their technique was a flawed vocational evaluation that grossly underestimated the profound bodily and cognitive impairments attributable to ME/CFS. Unum unjustly asserted that our shopper may by some means resume her demanding occupation as a doctor, dismissing the truth of her situation and the recommendation of her treating physicians who particularly opined that she was unable to observe medication safely or reliably.
Confronted with these daunting challenges, our shopper turned to the Legislation Workplace of Justin C. Frankel, P.C. With meticulous consideration to element and an unwavering dedication to justice, we launched into a complete authorized technique to counter Unum’s baseless allegations and safe the incapacity advantages our shopper rightfully deserved. Working intently together with her physicians, we had been in a position to collect exhaustive medical proof, together with detailed narrative experiences from her treating physicians and specialists who intimately understood the complexities of ME/CFS. We meticulously documented the day-to-day challenges she confronted, the constraints imposed by her situation, and the devastating affect on her skill to carry out even probably the most primary duties required for her occupation. Our agency championed the outcomes of her CPET testing, the Gold Commonplace of practical testing for ME/CFS.
Armed with compelling proof and a relentless advocacy for our shopper’s rights, the Legislation Workplace of Justin C. Frankel confronted Unum’s assertions head-on. By way of rigorous authorized arguments and strategic assaults, we debunked their baseless and outrageous assessments and uncovered the inadequacies of Unum’s total evaluate course of. We highlighted the absence of a real vocational evaluation and challenged their flawed methodology in counting on paper solely critiques of medical information, which didn’t account for the true nature and severity of our shopper’s incapacity.
In the end, after making ready an indestructible attraction, coupled with the Legislation Workplace of Justin C. Frankel’s perseverance and willpower, we prevailed. Unum’s overturned its resolution and reinstated our shopper’s declare, acknowledging the indeniable proof of her debilitating situation and general lack of ability to return to work as a doctor.
As we speak, our shopper can now give attention to her well being and well-being with out the burden of economic uncertainty.
