Our client initially applied for Short-Term Disability (STD) benefits due to stress and anxiety, but their claim was denied. They were then improperly advised to either reapply or retire, and reached out to our office for guidance. After reviewing their case, we determined they had strong grounds for both an LTD application and an appeal of the STD denial. Following eight months of advocacy and negotiation with the insurance company, our client received a settlement of more than $36,000, ensuring much-needed financial stability during a difficult time.