Case Examples & Client Success Stories in ERISA Disability Appeals
Real results matter. At Shore Law Firm, we’ve helped countless clients overturn wrongful denials by major insurers such as Unum, MetLife, Cigna, Aetna, and Guardian. While every case is unique, these anonymized success stories show how strong evidence, early action, and skilled legal strategy can change the outcome.
Case Study 1: Chronic Pain Denial by MetLife
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The Problem: A professional in her 40s was denied benefits after MetLife claimed her pain complaints were “subjective” and unsupported by medical tests.
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Our Approach: We gathered detailed physician narratives, pain journals, and a Functional Capacity Evaluation (FCE) showing she couldn’t perform sedentary work.
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The Result: Appeal granted — full LTD benefits reinstated with back pay.
Case Study 2: Unum Denial Over “No Objective Evidence”
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The Problem: Unum denied a client with fibromyalgia, stating there was no “objective proof” of disability.
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Our Approach: We worked with treating doctors to explain diagnostic limitations, obtained rheumatology reports, and documented the client’s daily limitations.
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The Result: Unum reversed its denial and approved ongoing monthly benefits.
Case Study 3: Guardian Cuts Off Benefits at 24 Months
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The Problem: Guardian terminated LTD benefits after the 24-month “mental health limitation,” despite ongoing neurological symptoms.
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Our Approach: We secured neurocognitive testing, occupational therapy evaluations, and testimony from co-workers about the client’s functional decline.
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The Result: Benefits were restored beyond the 24-month limit, with the insurer acknowledging physical impairments.
How Strong Evidence and Early Appeals Lead to Victories
These outcomes share a common theme: success came from acting quickly and building the strongest possible record during the appeal stage. By loading the file with comprehensive medical, vocational, and personal evidence, we gave insurers no choice but to reverse their denials.
Why Success Stories Matter
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Proves credibility: Our firm has a track record of standing up to powerful insurance companies.
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Shows strategy works: Early appeals backed by strong evidence can turn the tide.
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Gives hope: If your claim was denied, you are not alone — and you may still win.
Don’t wait until it’s too late. Call 1-800-CANT-WORK today for a free ERISA denial review.
Like the clients above, you could still win your benefits with the right strategy and representation.
