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Info Library

Find answers to your disability claim questions.

Welcome to our Info Library.

The Info Library is a resource for people who have questions about disability insurance benefits, insurance companies, medical conditions, occupational demands, claims, appeals, and litigation.

Think of it as a practical guide to disability claims. Our goal is to explain common issues in clear, useful terms so you can better understand the process, the risks, and the decisions that may affect your benefits.

New articles are added regularly.

 

Category: Case Studies

Multiple Sclerosis Disables District Sales Manager

Diagnosis - Multiple Sclerosis (MS) Success Stories Sales Manager Case Studies District Sales Manager

鈥淎lison鈥� was the District Sales Manager for a major insurance company. Unfortunately, she had been struggling with Multiple Sclerosis for many years.  After working for almost 30 years for this company and achieving significant professional success, she was denied long term disability benefits under both a group policy and an individual policy issued by her employer.

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HIV Disables a Senior Chemist

Success Stories Diagnosis - HIV/AIDS Chemist Case Studies

鈥淒avid鈥� was a senior chemist at a chemical company. David suffered from HIV and the side effects of his medications including diarrhea, fatigue and cognitive problems. Despite the support of his treating physician, the insurance company denied his claim on the ground that there was no 鈥渙bjective鈥� proof that he was disabled from his 鈥渟edentary鈥� occupation. The insurance company also asserted that David 鈥渙nly鈥� had HIV and not AIDS.

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Case Study: Reversing Disability Denial for Attorney with Chronic Fatigue Syndrome

Success Stories Attorney Case Studies Lawyer Diagnosis - Myalgic Encephalomyelitis Dignosis - Chronic Fatigue Syndome

鈥淏ill鈥� was a successful mergers and acquisitions attorney with a major law firm. Bill suffered from debilitating fatigue and cognitive deficits as a result of chronic fatigue syndrome.

The insurance company denied his claim on the sole ground that Bill stated in his application form that he was 鈥渆xercising lightly three or four times a week.鈥� The insurer claimed that this was inconsistent with his claim of disability.

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Lyme Disease Impairs A Sales Trader

Success Stories Sales Trader Diagnosis - Lyme Disease Case Studies

鈥淭odd鈥� was a sales trader at a major investment bank. Todd suffered severe cognitive deficits as a result of Lyme Disease. Todd continued to work as long as he could despite the deficits, but was forced to go out on disability when he made several incorrect trades that cost his employer thousands of dollars. The insurance company denied Todd鈥檚 claim, asserting that he submitted insufficient objective evidence of disability.

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Department Store Manager Wins Long Term Disability Benefits After Back Injury

Success Stories Diagnosis - Spinal Injury Manager Case Studies Retail Manager Diagnosis - Neck/Back

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