Settlements

Long Term Disability Benefits Settlements

In some instances, Long Term Disability Benefits cases can be settled without appeals or trials. We are skilled negotiators, and our experience and knowledge in the economics of Disability Benefits gives us the ability to settle cases in the best interest of our clients, even when we are presented with difficult situations.


RESOLVE A FOUR YEAR DELAY IN UNUM LUMP SUM SETTLEMENT MATTER

We were contacted by a 56 year old man from Maryland who had been trying to negotiate a lump sum settlement of his private disability insurance claim with UNUM for four years.   His attempts to simplify his disability claim status were tied up in requests for additional records, further medical evaluations, and the delays and denials that we know from experience are a strategic ploy to simply wear out disability claimants until they give up.

Jason Newfield was recommended to this claimant by a leading disability consultant who knows Frankel & Newfield and our reputation for determined and aggressive representation for clients.  This is the kind of situation where our experience shines.   

Jason was able to cut through all of the delays, negotiate a lump sum settlement that exceeded our client’s expectations, and get the matter resolved fast.  While every situation is different, this particular matter is a good example of what an experienced and determined disability attorney can do for clients.  Disability insurance is not a do-it-yourself project.  

CIGNA Waits Until the Lawsuit Begins to Settle A Claim

Our client was an Equity floor trade on the New York Stock Exchange, an intense job with a high income. Performing at the top of his game, he made split second decisions concerning millions of dollars in equities. When he developed Tinnitus, a ringing or noise in the ears, because of an Acoustic Neuroma – a benign brain tumor that connects the brain to the inner near - he could no longer hear, sleep or focus.

His treating and evaluating doctors include some of the most distinguished and outstanding physicians in the field, department heads and chairs at Mount Sinai School of Medicine, St. Luke's-Roosevelt Hospital and the Center for Cranial Base Surgery, a world leader in the complex neurosurgical treatment of cranial base tumors. CIGNA had a general practitioner and a registered nurse review his selected portions of his medical record. They denied his claim. The paper review was poorly done and contained numerous discrepancies. CIGNA’s continued delay of the appeal violated time requirements. We aggressively filed a lawsuit, charging CIGNA with failing to issue a timely decision on our appeal. Just as the lawsuit started, CIGNA reversed its decision. Our client was paid his past due benefits and is back on claim.

Frankel & Newfield Wins Appeal and Then Negotiates Buy Out From CIGNA

Issue:
After CIGNA wrongfully terminated our client’s claim, we prepared a strong appeal and had the claim benefits reinstated. But that was just for starters. Our client was 47 years old, was suffering from back problems that were not expected to improve and did not want to have any future problems with CIGNA.

Result:
Once the claim was successfully reinstated, we secured a lump sum payment of all future benefits. Our client was free from having to worry about going through any denials, appeals, or litigation from CIGNA.

CIGNA Terminates Claim After 13 Years of Paying

Issue:
We were contacted by a 47 year old client who had been receiving benefits from CIGNA on a orthopedic claim for 13 years. She had no financial resources whatsoever, and was penniless when she came to us.

Result:
Frankel & Newfield negotiated a lump sum payment that far exceeded our client’s expectations.

ER Physician Suffering from Post Traumatic Stress Disorder (PTSD) Presents Complex Case - We Achieve Highly Successful Outcome

Issue:
An Emergency Room Physician stopped practicing medicine because of PTSD, and also allowed her policies to lapse. Her LTD insurance company rejected the claim, maintaining that she made the decision to leave and not because of any disability. Her medical record was not strong, and the lapsed policies created a real challenge.

Result:
We were able to negotiate a successful resolution for her two claims, securing a major cash settlement in spite of the case’s difficulties. As a result, she has been able to move on with her life.

Frankel & Newfield Secures Windfall Resolution of Terminated Claim

Issue:
Our client's claim was terminated after being paid for 12 years under own occupation policy.  UNUM claimed no further impairment following an FCE.

Result:
In a pre-litigation resolution, Frankel & Newfield secured a lump sum resolution of the claim that exceeded what litigation would have secured.

Frankel & Newfield Resolves Disputed Claim for Benefits

Issue:
Our client, an emergency room physician, left practicing due to PTSD. Her claim was rejected by the insurer, who argued that she left on her own accord, rather than due to a disability. Her medical support lacked strong evidence to litigate the issues. The client also allowed her policies to lapse.

Result:
We negotiated successful resolutions for the client's two claims - securing a windfall recovery beyond the client's expectations and providing closure to an extraordinarily difficult time for her

Frankel & Newfield Successfully Resolves Claim for Client

Issue:
We were retained after CIGNA had terminated a claim that it was paying for 13 years. Our client was left penniless as a result of CIGNA's actions.

Result:
We negotiated a lump sum payment of her claim that far exceeded our client's expectations, and provided our client with closure on her claim.

Frankel & Newfield Wins Appeal, Negotiates Buy Out of Claim

Issue:
After CIGNA wrongfully terminated our client's claim, we appealed to get the claim reinstated.

Result:
After securing the reinstatement of the claim, we thereafter secured a lump sum settlement of all future benefits that far exceeded the client's expectations.