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Denial of Total Disability Payments Upheld on Basis of Medical Evidence
Description Court dismissed a suit against an insurer who refused to pay total disability payment to employee who claimed disability. While the employee suffered back problems, the medical evidence was clear that he was not totally disabled, which was what the policy required.
Topic Insurance
Key Words Total Disability
C A S E   S U M M A R Y
Facts Connors was covered by a long term disability policy through his employer. When he applied for benefits, claiming total disability, the insurer denied his claim because it determined that he was not totally disabled. Connors sued.
Decision Complaint dismissed. "Connors' disability is merely his back pain, which is a subjective matter. ... one of the examining doctors, Dr. Mazurek, concluded that Connors could perform sedentary work and could sit for four hours and stand for four hours each day." The medical evidence submitted by Connors in support of his claim does not provide evidence from his physicians that concluded that he was totally disabled. Other evidence also indicated that while Connors has back pain, he is not disabled, so the denial of benefits is proper.
Citation Connors v. Connecticut General Life Insurance Co., 2000 WL 1279790

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