An Oakland-based Household Apply physician was denied the long-term incapacity advantages that have been promised by an ERISA plan issued by her employer and insured by Unum Life Insurance coverage Firm of America. Nevertheless, she acted shortly and introduced within the skilled group of incapacity legal professionals at Donahue & Horrow LLP to battle for her. Proudly, we secured a trial victory on her behalf.

Our shopper suffered from Continual Migraine Dysfunction and different situations that rendered her unable to carry out the duties of her job.  Unum didn’t dispute that our shopper was disabled, however moderately, asserted that she had not been working sufficient hours per week to qualify for advantages underneath the ERISA plan.  Nevertheless, an extra investigation carried out by the Donahue & Horrow LLP group, revealed that her employment file contained ample proof that she was working 30 hours per week previous to her incapacity, clearly outlining that she was eligible for protection underneath her employer’s long-term incapacity coverage.  Nevertheless, regardless of this overwhelming proof, Unum continued to disclaim our shopper’s declare for advantages.  

On behalf of our shopper, Donahue & Horrow LLP sued Unum in Federal Courtroom, alleging that the choice to disclaim the declare for advantages was inaccurate and violated the plain phrases of her Plan.  Following trial briefing and a bench trial earlier than United States District Choose, Yvonne Gonzalez Rogers, the Courtroom dominated in favor of our shopper.  Choose Rogers defined that Unum’s denial choice was inaccurate as a result of – as we argued – the plain language of the Plan solely required that the doctor is working at the very least 30 hours per week to be thought of in “lively employment” and that she submitted dependable proof that she was, in actual fact, working at the very least 30 hours per week previous to her incapacity.  

Unum has appealed the choice to the Ninth Circuit and Donahue & Horrow LLP continues to battle relentlessly for the incapacity advantages our shopper was promised and owed. Be taught extra about our method to long-term incapacity insurance coverage denial.

When you’ve got a long-term incapacity coverage and are contemplating making a declare or have had your declare denied, we’re right here to assist. There are not any out-of-pocket bills for you in any way. Name our group at present to study extra (877) 664-5407.