LTD Disability Claim Denials Based on the Lack of Clear Clinical Information!

What: Claims Denied | Long Term Disability
Why: Lack of Clear Information

Unfortunately, Nancy Cavey sees many Long Term Disability claims denied based on the medical opinions of hired guns who will make statements like, “the file lacks of clear, sequential, detailed, objective clinical information, which will completely preclude the claimant for an attempt at a return to work.”

In a recent case of Saffron v. Wells Fargo & Co. Long Term Disability Plan, 2009 US District Lexis 84152, 12-14 (CD. Cal. September 15, 2009), MetLife was scolded for relying on the medical opinions of Dr. Thomas and Dr. Menadi who strung together, “a long series of unconnected adjectives.”

The court pointed out that Saffron, the claimant, had no clue as to how a “absence of sequential information could preclude him from returning to work, or function at work” or why the claimant’s treating physician and MRI report did not amount to “objective clinical information” or what was not clear about these reports and supposedly “being left to the imagination.”

If you see such gobblygook in your claims denial letter you need the assistance of an experienced Long Term Disability ERISA attorney like Nancy Cavey.

MetLife was heavily criticized in Saffron; their letter terminating Ms. Saffron’s was not “meaningful communication,” because it didn’t explain why the information she had already provided was insufficient to support her continuing claim for benefits. Don’t play games with words, contact Florida disability attorney Nancy Cavey.