A once-thriving partner at a major hedge fund began facing the quiet onset of a significant, degenerative neurological disorder. Determined to push through, the financial professional continued working long after the debilitating symptoms made it difficult to keep up with the demanding role. As the condition progressed, the professional found it to be increasingly impossible to hide the struggle. Eventually, and without any real explanation, the financial professional was abruptly terminated from the company.
The Challenge
In the aftermath of being fired, the financial professional filed a long-term disability claim – the safety net meant for moments exactly like these. But rather than offering support, the insurance company pushed back hard. They argued that the policyholder wasn’t disabled at all, insisting that, because the financial professional had still been reporting to work, that the professional was capable of performing the duties of the job. Further, the insurance company claimed the financial professional’s termination was completely unrelated to the medical condition. The carrier used that argument to deny disability benefits outright.
The Solution
After the insurance company denied the claim, the financial professional turned to Schwartz, Conroy & Hack. Attorney Michail Hack and his team brought significant resources to bear to uncover the truth that the insurer had tried to ignore: that the policyholder had been severely disabled well before the last day of work. We interfaced directly with the policyholder’s treating physicians, reviewing medical histories discussing the progression of the neurological condition, and securing clear admissions that the individual’s impairments were debilitating long before the policyholder’s employment ended.
Armed with strong medical evidence and strategic legal arguments, Michail and his team challenged the carrier’s position head-on. Our attorneys successfully bypassed what is often a long and exhausting administrative appeals process and secured a positive outcome through direct negotiation with the insurance company.
The Result
Faced with our persistent advocacy and strong legal arguments supported by overwhelming medical evidence, the insurance company realized they had no choice but to confront the reality of the policyholder’s disability and their obligation to pay full benefits. Because of our expertise and tenacity, Schwartz, Conroy & Hack forced the insurer to pay the full benefits they owed to our client.
If your insurance claim has been denied or is being challenged, contact Schwartz, Conroy and Hack, PC. We have the expertise and tenacity to make insurance companies keep the promises they made to policyholders like you.
