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Case Studies

The Grabhorn Law Office has successfully handled complex insurance claims against insurance carriers, large and small.

E.H. v. Colonial Life and Accident Insurance Company

Following a lengthy military career, and while working as a purchasing agent for an auto parts company, our client purchased a short-term disability insurance policy from Colonial Life and Accident Insurance Company (Colonial, now an Unum company). While insured, our client was diagnosed with Amyotrophic Lateral Sclerosis (ALS), also known as Lou Gehrig’s Disease. Because…

J.M. v. Prudential Insurance Company of America

Because of his multi-level degenerative disc disease and severe spondylosis, our client was unable to continue working as regional sales representative for a national food service company. He applied for his long-term disability insurance benefits promised by Prudential. When Prudential denied his initial claims, he sought out Grabhorn Law to assist him with his appeal.…

D.M. v. Life Insurance Company of North America (Cigna)

While working as a college admissions officer, our client was insured for both short-term and long-term disability insurance benefits by Life Insurance Company of North America (Cigna). Because of the debilitating effects of Multiple Sclerosis (MS), she reached the point where she could no longer perform her full-time duties. She applied for the promised income…

L.S. v. Life Insurance Company of North America (Cigna)

While working as a customer service retail banking manager for Fifth Third Bank, our client was insured by Life Insurance Company of North America (Cigna) for short-term disability insurance benefits and long-term disability insurance benefits. When she became physically unable to continue working due to her convulsions (non-epileptic episodes) and conversion disorder, she applied for…

N.B. v. American Fidelity Assurance Company

Our client was a public school teacher of language arts. In order to protect her income, she purchased a long-term disability insurance policy from American Fidelity. The insurance policy would provide her with monthly income in the event she became unable to perform her duties as a school teacher on a full-time basis. Because of…

E.J. v. Liberty Life Assurance Company of Boston

Our client worked as a pharmacist for Wal-Mart. Through her employment, she was insured under a long-term disability insurance policy issued by Liberty Life Assurance Company of Boston (Liberty). The disability insurance policy promised to provide our client with monthly income if she became unable to perform the duties of her job on a full-time…

W.N. v. Life Insurance Company of North America (Cigna)

As a senior actuary, our client was insured for long-term disability benefits through Life Insurance Company of North America (Cigna). Unfortunately, because of the debilitating effects of McArdle’s disease, and based on the recommendation of his treating physicians and neurologist, he applied for long term disability insurance benefits. Relying solely on a review of our…

S.B. v. Life Insurance Company of North America (Cigna)

While working as a senior associate for United Way, our client was insured by Life Insurance Company of North America (Cigna) for long-term disability insurance benefits. When she became physically unable to continue working because of significant complications in her knees, she applied for disability benefits with Cigna. Cigna approved her insurance claim for a…

S.P. v. Metropolitan Life Insurance Company

Prior to becoming disabled, our client worked as a quality analyst testing financial software. While employed, she was covered by a long-term disability insurance policy issued by Met Life. Unfortunately, as the result of her physical limitations and restrictions resulting from breast cancer and subsequent neuropathies (pain), she could no longer perform her job duties…

W.L. v. Principal Life Insurance Company

Our client, who worked as an engineer, was insured for long-term disability insurance benefits by Principal. Shortly after becoming covered, he was diagnosed with squamous cell carcinoma and submitted a claim for benefits. Principal summarily denied his claim because, according to Principal, his claim was subject to a pre-existing limitation in the insurance policy. Despite…