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N.B. v. American Fidelity Assurance Company

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Corbin, Kentucky

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 the debilitating effects of fibromyalgia and osteoarthritis, she subsequently reached the point where she could no longer physically perform her full-time teaching duties. The insurance policy she purchased from American Fidelity promised to protect hers, and her family’s, monthly income in just this situation. Having paid the insurance premiums, she reasonably applied for the long-term disability insurance benefits promised to her by American Fidelity.

Although American Fidelity approved her claim and began paying the long-term disability monthly income, the benefit amount was incorrect. American Fidelity unilaterally changed the insurance policy and added language that would allow it to reduce our client’s monthly long-term disability benefits. American Fidelity then reduced our client’s monthly disability benefits by her Social Security disability benefits and by her state teachers’ pension benefits.

She asked Grabhorn Law for assistance. Grabhorn Law investigated her claim, as well as the legality of the changes American Fidelity made to the long-term disability insurance policy it had sold to our client. Based on this investigation, Grabhorn Law was able to resolve the matter prior to a lawsuit being filed. Following confidential discussions, our client’s long-term disability insurance claim with American Fidelity was resolved to her satisfaction.