RW Pre-suit Demand Recovers Millions in Disability Benefits Orthopedic Surgeon, Overcoming Lloyd’s Attempt to Assert Pre-Existing Condition Exclusion

Our client, a renowned and highly successful orthopedic surgeon who specialized in hip and knee-replacement surgery, took out a high-premium, high-coverage disability policy with Certain Underwriters of Lloyd’s. High-end disability policies are often referred to colloquially as “Cadillac” policies. In this case, it was more like a “Rolls-Royce” policy. The orthopedic surgeon paid very high [...]


RW Federal Lawsuit Leads to Confidential Settlement: OB-GYN Successfully Challenges Unum’s Denial of Multimillion-Dollar Claim for Lifetime Disability Benefits

Our client was an obstetrician/gynecologist (OBGYN) who became disabled following his fourth back surgery. Provident (later UnumProvident and now Unum), the insurance company, approved the doctor for disability benefits. Unum, however, described the OBGYN’s disabling condition as “degenerative disc disease,” which was a major problem. Ordinarily it is the existence of a disabling condition that [...]


RW Appeal and Lawsuit Convinces MetLife to Settle Complex Accidental Death Claim

In this interesting claim on an Accidental Death and Dismemberment insurance policy, RW had the privilege of representing a widower who unexpectedly lost his wife due to an accident in the home.  Shortly after midnight, our client’s wife walked into her kitchen to get a drink of water and a midnight snack. She walked into [...]


US Department of Education is discharging billions in outstanding student loans for borrowers with disabilities.

A significant advancement for those suffering from mounting student loan debts who can not work due to disabilities was made by the DOE last week. This is a big win for hundreds of thousands of people who cannot work due to significant disabilities. The U.S. Education Department announced Thursday that it is discharging the outstanding student loans [...]


2021 Greaning CIGNA Success Story

RW Assists Attorney with Severe Rheumatoid Arthritis Overcome a Termination of Benefits Caused by Her Treating Physicians’ Unwillingness to Respond to Insurer Requests for Information Sometimes the biggest problem with a disability claim is the reluctance of treating physicians to become involved in the process. In a disability claim, the deck is already stacked against [...]


MassMutual Vision Success Story

Robinson Warncke Recovers $1.7M in Benefits, Overcoming MassMutual Attempt to Dilute “Own Occupation” Disability Coverage for Owner of Commercial Roofing Company Disability insurance companies routinely find novel ways to make seemingly straightforward cases incredibly complicated and burdensome for the insured.  This is just such a case. Our client took out four premium “own occupation” disability [...]


Disability and Health Insurance Claims Under ERISA

If you missed your deadline to file a claim or appeal your claim denial - you may still be able to take advantage of a temporary extension of those deadlines due to the pending Covid-19 epidemic. On March 13, 2020, the President declared a state of National Emergency due to the Covid-19 outbreak in the [...]


Insurance Companies Misuse of “Mental Disorder” Limitations as to Cognitive Disabilities

In a recent article, Long Term Disability Claims for Cognitive Disorders, we discussed the challenges presented with disability claims based on cognitive disorders. These are medical conditions that interfere with intellectual or cognitive abilities, such as memory, concentration, planning, problem-solving, reasoning, verbal and written communication, and other logical processes. They are oftentimes “invisible” medical conditions, [...]


Does Alzheimer’s Disease Qualify for Long-Term Care Insurance Coverage?

Six-and-a-half million Americans are actively suffering from Alzheimer's disease in 2021. By 2050, it's estimated that this number will reach 12.7 million. Long-term care insurance is necessary when it comes to providing Alzheimer's patients with the resources that they need during this confusing time in their lives. If you have long-term disability insurance and your [...]


Long-Term Disability Claims for Cognitive Disorders

Sometimes referred to as “invisible” medical conditions, cognitive disorders are illnesses or injuries that impair such intellectual or cognitive abilities as memory, concentration, planning and problem solving, reasoning, verbal and written communication, and other logical processes.  Cognitive injuries or disorders can also impact emotional regulation and tolerance for stress.  Many people suffer from neurocognitive disorders [...]