Shauna was a Quality Supervisor with a large international engineering company for four years until August 2016, when she was forced to stop working due to severe bilateral degenerative foot deformities that have required a total of nine surgeries to date. Shauna also suffers from post-traumatic arthritis of the bilateral hands, feet, and ankles; cervical spondylosis and radiculopathy; degenerative changes to the thoracic and lumbar spine requiring surgical implantation of a pain pump to deliver pain medication directly into her spinal canal; and post-laminectomy syndrome of the lumbosacral region.
Shauna applied for and received long term disability (LTD) benefits under her employer’s LTD policy with Liberty Mutual. The Liberty Mutual policy provided that in order to continue receiving disability benefits for longer than 24 months, Shauna was required to prove that she was disabled from any occupation for which she was reasonably fitted by training, education, experience, age, physical and mental capacity. Unfortunately, Liberty Mutual terminated her LTD benefits in February of 2019, arguing that she was able to return to work in a sedentary capacity and listing several obscure occupations (including thermometer maker and multifocal-lens assembler) that it asserted she could perform despite her condition.
After her benefits were terminated, Shauna hired O’Ryan Law Firm to represent her to appeal the termination of her LTD benefits. We gathered substantial additional supportive medical evidence, including strong supportive statements from her treating physicians, and compiled an appeal of Liberty’s termination of Shauna’s LTD benefits. We also provided updated diagnostic imaging studies and photos of Shauna’s feet showing the extreme degree of swelling that she experienced 24 hours after attempting to sit without elevating her feet for just two hours.
Just nine days after O’Ryan Law Firm submitted our appeal of the termination of Shauna’s benefits, Liberty acknowledged that its decision to terminate Shauna’s benefits was wrong. Upon reaching this decision, Liberty issued a lump sum check for all of the back benefits owed to Shanna and reinstated her monthly benefits going forward.
If your short or long term disability insurance benefits have been terminated for any reason, please contact O’Ryan Law Firm for a free consultation.