It is unusual for someone in their 30’s to be disabled with severe degenerative disk disease. Trevor was an active 30-year-old, working as an IT for and international company when he became disabled. Due to his illness he was unable to perform his rigorous job responsibilities. Chronic pain impacted his mobility, preventing him from moving and performing the simplest tasks. Sitting in a chair was unbearable and strong prescription pain medications impeded his ability to concentrate.
Trevor was so obviously disabled and stricken with pain that he was quickly granted Social Security disability benefits, uncommon for someone at his young age. He filed for long term disability on his own. The insurance company initially granted him long term disability benefits but after 15 months for no good reason his benefits were terminated. After appealing, the insurance company reinstated benefits but terminated benefits again.
Sneaky Insurance Company Tactics
The true story is that insurance companies want to save money and to avoid paying benefits over the long-term so they routinely terminate benefits after a certain period of time hoping that the decision won’t be appealed. Finding a competent lawyer to assist with an appeal is not easy. Most lawyers don’t understand the nuances of insurance company behavior and ERISA laws.
Not knowing where to turn Trevor retained Jonathan Feigenbaum. Jonathan recommended Trevor take undergo a functional capacity evaluation (FCE), worked with his treating Dr.’s to explain his physical limitations and gathered supporting information from family and co-workers. Jonathan now had the ammunition he needed to file a comprehensive appeal.
Trevor’s benefits were reinstated and he received all back benefits. Jonathan will continue to represent Trevor so as to avoid another termination.