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/Persistent Fatigue Syndrome (ME/CFS).
Our shopper’s battle started when the debilitating signs of ME/CFS severely compromised her capacity to apply drugs safely. Experiencing excruciating ache and profound cognitive deficits, she was pressured to confront the fact that her medical profession, constructed on many years of dedication and experience, was abruptly halted.
The battle intensified when Unum, using aggressive techniques 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 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 choices have been primarily based 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 might one way or the other resume her demanding occupation as a doctor, dismissing the fact of her situation and the recommendation of her treating physicians who particularly opined that she was unable to apply drugs 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 carefully along with her physicians, we have been capable of collect exhaustive medical proof, together with detailed narrative studies 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 impression on her capacity to carry out even essentially the most fundamental duties required for her career. 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 rigorous authorized arguments and strategic assaults, we debunked their baseless and outrageous assessments and uncovered the inadequacies of Unum’s whole 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 did not account for the true nature and severity of our shopper’s incapacity.
In the end, after getting ready an indestructible enchantment, coupled with the Legislation Workplace of Justin C. Frankel’s perseverance and willpower, we prevailed. Unum’s overturned its choice and reinstated our shopper’s declare, acknowledging the indeniable proof of her debilitating situation and general incapacity to return to work as a doctor.
As we speak, our shopper can now concentrate on her well being and well-being with out the burden of monetary uncertainty.
