Tax Lawyer Denied Long Term Disability Benefits by Provident Life: An Accident Insurance Company, Provident Life Long Term Disability Benefits Denied Attorney Nancy Cavey
Patricia Galvan, who was a 54 year old tax attorney, was involved in two automobile accidents in 2000 and 2001 and was treated extensively for neck pain, thoracic outlet syndrome, herniated discs, radiculopathy and shoulder impingement syndrome. Ms. Galvan attempted to battle through her pain but by mid-January 2004 she could not work any further.
She was examined and treated by numerous physicians who never questioned her disability. UNUM, unfortunately, consistently rejected her claim as unsubstantiated based on “objective medical data,” in fact, UNUM claim’s administrators decided that her inability to work was caused by depression and a hostile work environment at her law firm.
Despite being severely criticized and $10 million judgment entered against them in the Hangarter case, UNUM has learned nothing. They continue to use the practice of using in house doctors who cherry pick records to find grounds for denying claims regardless of actual merit and even speculate as to reasons for disability.
The physicians that UNUM used included Dr. Steven Jacobson and Dr. Thomas Davis who felt that Ms. Galvan was capable of working. Interestingly, UNUM even argued that Ms. Galvan was capable of work because she actively sought employment during her disability leave. There was no way Ms. Galvan was going to win as UNUM was determined to deny her benefits in any way that they could.
Ms. Galvan was eventually awarded her disability benefits by the United States District Court in the case of Galvan v Provident Life: An Accident Insurance Company, 209 wl. 2169880 (n.d. California.).
The court found that she was entitled to disability benefits and criticized UNUM for their claim’s handling.
If you are an attorney who has Provident Life disability policy and is thinking about applying for disability benefits, there are many issues that you should consider before doing so.
Nancy Cavey, and experienced Provident Life disability denied attorney, helps you understand the Long Term Disability claims process, reviews your medical records and helps you pick the correct date of onset of disability.
She will also assist in you in developing the medical and vocational evidence that will meet the necessary policy terms so that you are provided the Long Term Disability benefits you pay for and deserve.
For a free no obligation consultation regarding your Provident Life Accident disability claim, contact Florida based Long Term Disability attorney.