Written by AMLO.

MFTL fights for George`s disability benefits

Roubal v. The Prudential Insurance Company of America,

US District Court; Western District of Kentucky (2009)

George had worked as a manager of analytical services at Brown Foreman Corporation for over 14 years. On March 30, 1999, George suffered multiple debilitating injuries after being involved in an automobile accident.  George then filed a claim for long-term disability benefits through his employer’s insurance plan with Prudential Insurance Company of America (“Prudential”).  Although 6 months of disability benefits were paid to George, Prudential refused to pay any further disability benefits.  Notably, if George continued to be disabled, then he was entitled to disability benefits for nearly 15 more years.  After George unsuccessfully appealed the denial of benefits with Prudential and long delays, George eventually filed suit in 2008 and retained Mehr Fairbanks Trial Lawyers (“MFTL”) to handle his case.

MFTL Client wins $62,470 verdict against Prudential Insurance.

After the lawsuit was filed, Prudential not only argued to the federal court that the denial of George’s disability benefits was correct, but that George’s brain injury precluded payment of disability benefits beyond 2 years, under a mental health limitation in the insurance policy.  Although the case was governed under the heightened arbitrary and capricious standard of review, the Court held that Prudential arbitrarily denied disability benefits to George.  The Court also found that George’s cognitive disorders resulting from the physical injury to his brain were exempt from the 2-year limitation in the insurance policy.

Not only did the federal court determine that Prudential had wrongfully terminated George’s disability benefits, but also awarded attorney’s fees, prejudgment interest, and costs.

To read more about how MFTL won George’s disability case click here or read the Federal Court’s opinions.