Success Stories

/Success Stories

Accidental Death Claim: Denied Because Insured was Drinking and Driving

An accidental death insurance policy will pay benefits when the insured dies as a result of an accident.  But when the insured dies in an auto accident with a high blood alcohol rate – is that an accident?  That was the issue in a recent case we handled in which our client’s husband died in a single car accident while driving home from his brother’s house after having a few beers.  The insurance company argued that since the husband had intentionally consumed alcohol and intentionally driven home knowing he was drunk and knowing the dangers of drinking and driving, that [...]

Disability Claim: Neuromuscular Disease

Our client was employed as the Clinical Director of a medical research company whose job was classified as sedentary, even though it required her to travel.  She developed a neuromuscular disorder which became progressively debilitating and eventually totally disabled her from work.  Her condition was considered to be permanent and had no treatment or cure. […]

Disability Claim: Buy Out of Future Benefits

Our client received a letter from her disability insurance company offering to buy out the future benefits owed to her under her disability policy.  In that letter, a lump sum of money was offered and she was told that the insurance company would pay a minimal amount to have an attorney review the offer.  Stennett & Casino were retained and reviewed the client’s entire disability claim.  Through our review we discovered that the insurance company had been paying our client the wrong monthly benefits for the last five years.  We convinced the insurance company that they underpaid our client $27,755.00 [...]

Disability Claim: Cancer

The client had been employed for 8 years as a registered nurse at a San Diego hospital.  In July 1999, she was diagnosed with Stage IV metastasized breast cancer, and underwent a lumpectomy, chemotherapy, radiation and a bone marrow transplant.  All of her doctors considered her to be disabled from work.  She received disability benefits until 2002, when the insurance carrier abruptly denied her disability. […]

Disability Claim: Toxic Chemical Exposure

The client was a supervisor in the aerospace industry for 26 years.  In May 2002, he became aware of increased fatigue, coughing, shortness of breath and irritation in his eyes and throat that interfered with his work.  According to the doctor who treated him, the client’s disability was due to a condition called RADS (reactive airways dysfunction syndrome) caused by his longtime exposure to toxic chemicals at his job.  Evidence that he had RADS included his symptoms of achy joints and muscles, chronic fatigue, headaches, difficulty concentrating, irritation of the eyes, nose, ears, throat and skin, and hypersensitivity to odors, [...]

Disability Claim: Reflex Sympathetic Dystrophy

The client was a director of underwriting for an insurance company.  He had been in the business for 17 years.  He sustained a knee injury in the mid 1990s that developed into reflex sympathetic dystrophy (RSD), a pain syndrome that is very difficult to treat.  His condition worsened and his pain distracted him while working.  His pain medications made him drowsy and made it difficult to concentrate.  However, he was a hard working, dedicated employee who wanted to stay on the job as long as possible. […]

Load More Posts