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

“First of all I would like to say thank you for assisting me with this disability claim. My husband endured a 4-month battle with ALS at home and another 4 months at the hospital. He finally went home to our Eternal Father on Oct. 26, 2012. Second of all, I want to really give credit to Ms. Nancy. She spoke to me and vice versa. She listened and knows how to talk from the heart. I felt that she was really concerned about me and my husband. She said your office could help, and offered the legal support I needed. Thanks a lot. I will always recommend your office to friends and family and will surely use your office again if needed.” - E.H.

Lexington, Kentucky

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 of the severe and debilitating effects of ALS, our client could not continue to perform his job duties. Having paid premiums for the insurance, he reasonably filed a claim for short-term disability insurance benefits promised by Colonial. He completed all of the forms Colonial required and cooperated with its processing of his claim.

Despite the overwhelming medical evidence supporting his claim for short-term disability insurance benefits, Colonial denied his claim. Colonial could not dispute his ALS and his resulting physical limitations. Instead, Colonial relied on a policy exclusion to deny his claim – deeming his ALS a pre-existing condition.

Working with Grabhorn Law, our client was able to satisfactorily resolve his claim without having to file a lawsuit.