Charlie Radcheck’s disability insurer did not believe that Charlie’s seizures would disable him as a car service driver.
Charlie had a motor vehicle accident which at first blush appeared to be minor. There was not much property damage, and he did not go to an emergency room. However, as a result of the collision, Charlie developed post-traumatic seizures, a form of epilepsy.
Charlie was a retired fire marshal, and he became a car service driver for extra income. Years earlier he had taken-out a disability insurance policy with Prudential.
Prudential did not believe that Charlie’s seizures were serious and disabling. Prudential supported this absurd position with a surveillance film of Charlie showing him driving to a local store to shop. At no time did we claim that Charlie was housebound. We proved that it was too dangerous for Charlie to drive eight to ten hours a day. Charlie’s doctor agreed. Charlie was taking anti-seizure medicine.
We were able to prove the disability and settle the case for $800,000 which included both past benefits and future benefits in a “lump-sum” settlement of the policy.
The client’s name has been changed to protect his identity. Prior results do not guarantee a similar outcome.