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Long Term Disability Denied? Contact Us For Free Advice
Why Do So Many PEOPLE Choose Fields Disability ?
We care about our clients Since 2001, we have helped thousands of people throughout the United States get the long-term disability benefits they need and deserve. Whether you just have a quick question or need an attorney on your case today - we are ready to help.
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As a national disability law firm we have taken on the largest insurance companies on behalf of our clients, beat them and got the disability benefits our clients need and deserve.
3068, al
“A Machine Operator from Alabama was forced out of work following a failed foot surgery and the worsening of his degenerative disc disease. He applied for Long Term Disability benefits but was denied by his insurer. Seeking help, he signed on with Fields Disability to fight his case.
The Fields Disability attorneys drafted an appeal of the insurer’s decision, including updated medical records and a letter of support from his primary treating physician. Unfortunately, the insurer upheld their denial of his benefits, so our attorneys filed a lawsuit against the insurer in federal court, arguing that their denial was not supported by the evidence. We were eventually able to negotiate a favorable settlement for all of our client’s claims and he received the check for the lump sum settlement just a few weeks later.”
2625, al
“A Registered Nurse from Alabama gradually developed degenerative osteoarthrosis in her back and knees, forcing her to leave work as a result. She applied for long-term disability benefits, but was denied by her insurer. The insurance company claimed that, based on her recent medical records, she was capable of returning to her Own Occupation. The nurse retained fields Disability to file her administrative appeal.
The Fields attorneys put together a lengthy appeal of the insurer’s decision, including having our client undergo a vocational exam. However, the insurer maintained their denial of her benefits. The Fields attorneys then filed a lawsuit against the insurer. After months of litigation the insurer finally asked to participate in a mediation. The Fields attorneys agreed to have a neutral federal judge mediate the case, and were then able to negotiate a favorable settlement for our client.”
2624, al
“A semi-truck driver from Alabama developed a wide range of neurological symptoms after an episode where he blacked out while driving. He suffered several blackouts after the initial onset, and was unable to continue working as a truck driver. He applied for long-term disability benefits and was approved. However, several months later, the insurance company terminated his benefits claiming he was no longer disabled.
He signed up with Fields Disability to represent him in his administrative appeal. The Fields attorneys gathered updated medical records from all his treating providers and wrote a detailed appeal of the insurer’s decision. Unfortunately the insurance company upheld their prior decision upon review. The Fields team then sued the insurer in federal court over their denial of benefits. As the law suit began to gather momentum, the insurer came to the bargaining table, and the Fields attorneys were able to secure our client a favorable and sizable settlement of his claims.”
2454, al
“A collections specialist stopped working due to symptoms from multiple sclerosis. She received monthly long-term disability benefits through her employer for eight years. Suddenly the insurance company sent a letter saying that benefits would stop because she could go back to work. She was certain the decision must be a mistake so she submitted an appeal to the insurance company, however their decision did not change.
Worried for her lost income, and still unable to work due to her chronic condition, she contacted Fields Disability to determine her next steps. Our attorneys reviewed all of our client’s medical records and realized the insurer had selectively chosen which doctors to rely on. We filed a federal lawsuit to fight for our client’s benefits. As litigation moved forward, our attorneys negotiated a generous lump-sum settlement. Our client was thrilled with the settlement check, and relieved to be done fighting against the insurance company.”
2453, al
“A communications manager from Alabama began having severe migraines that made her unable to read, concentrate, drive, or generally function. She tried to stay at work for some time, even working from home in bed to try to make up for any missed days in the office. Ultimately, her symptoms were too severe and she was forced to stop working. She received long term disability benefits from her insurer for two years, but then suddenly the payments stopped. The insurance company said she no longer fit their definition of disabled.
Worried about her lost income and her ongoing migraines, she contacted Fields Disability for assistance. Our attorneys combed through over 1200 pages of claim documents from the insurance company and discovered there were key records the insurer overlooked. Fields attorneys collected updated documentation from our client’s doctors and filed a strong appeal to the insurance company. The insurance company didn’t budge, and our lawyers filed a federal lawsuit to fight for our client. During preparations for trial, Fields attorneys negotiated a generous settlement and our client was relieved to be done fighting the insurance company, and pleased with the professional advocacy Fields Disability provided.”
2446, al
“An automobile assembly line worker from Alabama experienced back and shoulder pain from a partial tear of her rotator cuff. She had knee replacement surgery as well, causing arthritis in her knee and she was forced to stop working due to her injury. She received disability benefits through her employee insurance plan until the insurer suddenly stopped paying her benefits, even though she was receiving disability benefits from Social Security. Her insurance company sent her a letter stating that, although her pain required her to shift positions four times an hour, she could still do sedentary work and was therefore ineligible for benefits. She appealed with no avail.
Shocked with the insurer’s unrealistic interpretation of her symptoms, she called Fields Disability for help. The attorneys at Fields Disability examined the denial documents and found that the insurance company’s hired physician did a very poor job of analyzing our client’s conditions. The hired physician called our client’s doctors after their offices were closed, or with only five minutes remaining in the work day. They also stated that an opinion from our client’s knee doctor meant she could reach her arms above her head. Our attorneys filed a federal law suit against the insurance company to fight for our client’s rights. During preparation for trial, we negotiated a generous settlement to avoid further litigation on the issue. Our client was overjoyed with a lump-sum payment that allowed her to move on with her life and continue treatment.”
1630, al
“Our client worked for a number of years as an over-the-road trucker. He began experiencing syncopal episodes. His doctors had no idea what was causing the episodes, but knew he simply could not continue driving his truck.
He received benefits from Guardian, his long-term disability insurance carrier, for several months. However, he received a denial about a year into the claim. The insurer claimed that the man had failed to submit ongoing proof of his disability.
The man found Fields Disability after searching for help online. We collected medical records and a letter from his doctor explaining the dangers of the man operating any vehicle. We submitted the medical records and letter to the insurance company along with a memorandum outlining our client’s legal rights under the statute governing the policy. After review, Guardian reversed its decision to deny benefits and started paying our client’s claim.”
1588, al
“A production line worker at a large car manufacturing company became disabled when he suffered a stroke. After he recovered from the stroke, he still had severe deficits that limited his ability to stand, walk, and perform his daily routine. The man was also required to take blood pressure medication that almost completely incapacitated him.
While Cigna agreed the man was not able to return to work on the production lines, they denied benefits when the definition of disability changed to include other occupations. Cigna stated the man could perform sedentary work on a full-time basis. The man appealed the initial denial on his own, but the decision was upheld.
The man hired Fields Disability to assist with a second appeal. Our attorneys closely examined the claim file and denial letters and found that Cigna’s doctors failed to consider the effects of the blood pressure medication on the man’s ability to work. After updating medical records, the appeal was submitted arguing Cigna needed to consider the totality of the claimant’s condition including side-effects of prescribed drugs. On review, Cigna agreed and reinstated the man’s claim.”
1641, al
“Our client was a Maintenance Mechanic from Alabama. Unfortunately, he developed Meniere’s disease and Benign Paroxysmal Positional Vertigo later in life and was unable to continue working. He received Long-Term disability benefits through his employer’s plan with Liberty Mutual for two years. However, when the definition of disability changed under his policy Liberty Mutual discontinued his benefits.
Liberty Mutual had hired private investigators to conduct surveillance on our client and hired doctors to review his medical records. Although, the surveillance footage never showed our client doing activities outside his restrictions; and although the medical record reviewers confirmed his diagnoses; Liberty Mutual denied the claim asserting it had determined he could return to full time work in one of a few different jobs.
After becoming our client, Fields Disability developed a plan to fight this discontinuance. We scoured Liberty Mutual’s review of the claim and reached out to our client’s treating doctors, asking pointed questions in response to Liberty Mutual’s position. We built the arguments necessary to show Liberty Mutual had failed to properly credit our client’s social security award; and had failed to consider the most recent medical documentation. After reviewing our appeal Liberty Mutual reversed its decision, paid our client his back pay, and recommenced monthly benefit payments.”
1704, al
“As a registered nurse with a large hospital, our client relished a career of helping others get better. Unfortunately, she began developing severe pain in her low back that extended into both of her legs. After several treatments with the doctors and an MRI scan, it was discovered that she needed fusion surgery in her low back.
Doctors performed the surgery, which eliminated the pain for a period of time but, unfortunately, the pain eventually returned. An MRI scan revealed that she needed additional surgery to further repair the discs in her low back. Despite a second surgery the pain persisted and her doctors eventually diagnosed her with “failed lumbar syndrome”, which happens to a small percentage of patients who undergo lumbar fusion surgery.
Our client applied for and received disability for several years as she attempted to resolve her low back condition. Prudential issued a denial letter without any warning stating she was no longer disabled, and the much-needed disability checks stopped coming. She tried to work with her doctors to present enough evidence to show that she continued to be disabled, but Prudential would not reverse its decision.
Out of options, she approached Fields Disability, and spoke to our staff about her claim. We took on her case and Attorney Merrick Williams immediately began working with medical providers to obtain the necessary supportive reports, and assembled medical records, and presented an appeal to Prudential. After a complete and thorough review, Prudential reversed its decision and restored the disability payments with back-pay. Our client was emotional and overjoyed upon discovering she would now have the means to pay her bills and take care of her family.”
1705, al
“A Public Relations Manager from Alabama had a flurry of medical issues shortly after her husband died in 2010. She had migraines causing visual impairment, a heart condition, back surgery and lymphedema. The symptoms from her conditions became worse over time, to the point that she had bouts of lost vision due to her computer monitors, and she could not sit for longer than an hour without a break.
Eventually, the numerous conditions became too much and she stopped working in 2014. She submitted an application for long-term disability benefits to Prudential and received long-term benefits for two years. In 2016, Prudential suddenly stopped paying benefits, stating that she was disabled from her current position, but that she could return to a desk job.
Shocked and confused by the letter because her position was a desk job, she called Fields Disability to assist with her appeal. The attorneys at Fields Disability compiled narratives from two of our client’s treating doctors, laying out a comprehensive timeline for benefits. Fields Disability attorneys scoured the medical records and found that Prudential had misrepresented an opinion from one treating doctor.
Our attorneys submitted the appeal and were able to obtain a temporary extension of benefits. Pleased with the extension, our client was able to continue treatment and compile additional records. We have submitted an additional strong appeal to Prudential and will continue to fight for continued benefits for our client.”
3023, ak
“A Line Maintenance Worker from Alaska was injured when he slipped and fell at work, causing him to hit his head. After the injury, he began to experience severe vertigo and dizziness. His job required him to climb ladders and work at heights, which was clearly a significant hazard. He was paid Short Term Disability benefits, but, when he applied for Long Term Disability benefits, Aetna denied the claim.
After receiving the denial, he contacted Fields Disability to help him appeal the denial. In response to the denial, our attorney’s compiled all of the medical evidence, which included all of the records from numerous providers our client had seen across the country in an attempt to get an answer for how he could recover. The appeal also articulated why the insurer’s denial was based on incorrect or improper grounds. On review, Aetna overturned their denial, paid benefits that were past due, and began to pay his benefits on a monthly basis.”
3029, ak
“A freight handler from Alaska had to stop working due to severe pain from carpal tunnel syndrome. He applied for Long Term Disability but was denied, with his insurer stating the medical records did not suggest he was limited from performing his duties. He appealed on his own and was unsuccessful. Then, he contacted Fields Disability.
Our attorneys filed a lawsuit and pointed out his consistent treatment, the good notes from his medical providers, and their support. We argued that the insurer admitted he was disabled before and after his carpal tunnel surgery. The insurer claimed he was not disabled between surgeries and thus did not prove disability throughout the entire period. We successfully argued that this kind of reasoning breached their duties as a fiduciary by selectively choosing information to deny him benefits.”
2409, ak
“A Plumbing Engineer from Palmer, Alaska began experiencing severe back pain. He had surgery which involved hardware being installed in his neck. The surgery caused numbness in his arms which required further surgeries and resulted in carpal tunnel syndrome as well. Incredibly, his long-term insurance company denied his benefits after only a few months because he could return to his work in which he was required to frequently exert up to 50 pounds of force.
Shocked by the insurance company’s decision and worried about his lost income, he called Fields Disability for help. Our team obtained the full claim file from the insurance company and our attorneys scoured the record for places where the insurance company made legal or factual errors. Our attorneys drafted a strong appeal to the insurer based on updated medical records, expert testimony, and strong legal research. The insurance company changed their mind and overturned the decision. Our client received a lump-sum check for back pay and ongoing monthly benefits. He was pleased with the diligent advocacy from Fields Disability and is happy to be done fighting his insurance company.”
3071, az
“A salesman from Arizona had been in a car accident that caused a disabling back condition. After filing a claim for Long Term Disability benefits, the insurance company denied benefits stating his conditions were pre-existing. He was forced out of work just two days before being covered for an entire year, which is what triggered the pre-existing denial. Fields Disability took the case on, knowing it would be an upward battle.
The Fields Disability attorneys crafted three separate appeals for our client, each time finding new support that our client’s conditions were not all covered during the pre-existing period. We argued that our client also had disabling conditions beyond his back pain. After years of fighting with the insurer, our attorneys negotiated a deal that got our client his best-case scenario, and then some. Our client was pleased with the results and thankful for the hard work the Fields Disability team put into his case.”
3112, az
“An enrollment representative left work after several years of struggling with bilateral knee osteoarthritis, fibromyalgia and PTSD related to his service in the Air Force. After being approved and receiving Long Term Disability benefits for two years, the insurer terminated his benefits, stating his physical conditions were not disabling anymore and that they no longer had to pay benefits for mental health conditions. Unsure what to do, he searched online and asked Fields Disability for help.
Our team assisted him with gathering medical and vocational evidence, including a functional capacity evaluation and vocational consultant report. After filing suit against the insurance company in federal court, our attorneys assisted our client in negotiating a favorable settlement with the insurance company to resolve his claim for benefits.”
3115, az
“A CT Scan tech with severe degenerative joint disease in both of his knees was unable to work because his fast-paced job required frequent standing and walking. He filed a claim for Long Term Disability benefits, but his insurance company denied benefits from the outset, stating he could work his own occupation. After being referred by a colleague, he went to Fields Disability for help.
Our team went to work appealing the denial decision. Our attorneys developed substantial medical evidence supporting our client’s severe limitations and secured statements from his treating physicians describing his conditions. The appeal was submitted with legal arguments regarding MetLife’s duty to consider all the evidence and provide a full and fair review. The insurer approved our client’s Long Term Disability claim, and our team continues to manage his claim on an ongoing basis.”
3119, az
“A flight attendant from Arizona had been HIV-positive since 1992. As a result of the diagnosis and the rigorous medication regimen he required, he suffered from chronic fatigue, neuropathy, Reynaud’s, and cognitive dysfunction. He also suffered from chronic back pain due to degenerative disc disease. After 26 years of receiving Long Term Disability benefits, his claim was denied by The Hartford who asserted he had the functional capacity to perform occupations they had identified. Unsure of how to dispute the decision, he found the attorneys at Fields Disability.
After reviewing medical records from the insurer and obtaining updated medical records, our attorneys submitted a winning appeal. The Hartford reversed their decision and reinstated the payment of monthly benefits.”
3122, az
“A Division Manager from Arizona was forced out of work due to disabling medical conditions, much of which was self-reported cognitive decline. Initially, the insurer had paid his benefits, but after a year with no support of doctors or any diagnosis beyond mental health, the insurer discontinued paying for benefits. Two years later, he discovered from an MRI that, in a surgery many years’ prior, the surgeons had failed to close a hole in his skull. It was at this point that he reached out to the Fields Disability team.
With this information, our team knew our client was disabled and that his symptoms should be attributed to this serious mistake. Our attorneys organized an appointment for a neuropsychology evaluation, which still did not give us conclusive reasoning behind our client’s symptoms. Our attorneys found another doctor to meet with him in Phoenix to review his case. This doctor advised the insurance company and all our client’s other doctors that his symptoms were, in fact, due to the hole left in his skull. With this fact now unavoidable, our attorneys negotiated a settlement for our client.”
2733, az
“An airline operations supervisor began having serious knee pain after an unsuccessful meniscus surgery. Walking was very difficult, and doctors told him he may eventually need to have knee replacement surgery. His job required walking between 24 gates at the airport to supervise employees, so he was forced to take a lower paying job that did not strain his knee as much. He received long term disability benefits from New York Life while they were evaluating his claim, but after a few months they stopped paying.
Disappointed in New York Life’s decision to stop paying his benefits, and worried about his lost income, he called Fields Disability for help. The attorneys at Fields Disability studied documentation from New York Life and discovered they were not using an accurate description of our client’s job. Fields attorneys filed a strong appeal to New York Life and kept our client informed every step of the way. Ultimately, New York Life granted continued benefits to our client and issued a lump-sum payment for back-pay. Our client was happy with the decision, and relieved that his fight against New York Life was over.”
2560, az
“A Home Care Worker had suffered from Type II Diabetes for years, but was never able to control her disease. She eventually developed severe complications with her diabetes including widespread neuropathy and gastroparesis. Unable to continue working, she applied for long-term disability benefits. Unfortunately, the insurance company denied her claim.
Not wanting to appeal the decision herself, she retained Fields Disability to fight for her benefits. The Fields team gathered all of her updated medical records from her providers. The Fields attorneys also wrote to several of her doctors and were able to secure two functional capacity assessments from her primary physicians. After writing a detailed appeal that was critical of the points raised in the denial letter, the Fields attorneys submitted the appeal for the insurer’s consideration. Upon review the insurance company overturned their prior denial, issued back benefits and reinstated ongoing payments.”
2526, az
“A Customer Service Supervisor trained and managed new customer service reps, which required her to be on her feet all day, while interacting with employees and customers and solving problems. Unfortunately, some difficult events in her childhood led to PTSD, and eventually full-blown major depressive disorder. Given the demands of her occupation, she had to temporarily leave her job and file for disability which the carrier granted, but only for a limited time, until the carrier demanded she return to work. Her doctors told her she was incapable of working and needed therapy to work with and overcome her problems.
Frustrated with the disability carrier’s refusal to reinstate her much-needed benefits, she hired Fields Disability who gathered the necessary medical support from her various doctors and filed an appeal. The appeal was successful, and she was relieved to have her benefits reinstated.”
2497, az
“An Arizona training specialist was born with spina bifida that caused severe scoliosis. Over the years, she had multiple spinal fusion surgeries and her resulting back pain worsened as she aged. Eventually, the pain became too much and she was unable to work. She received long-term disability benefits from her insurer at work for six months, but then received a denial letter saying she no longer fit their definition of disabled.
Upset that her insurance company was ignoring her chronic symptoms, she contacted Fields Disability for help. Our attorneys contacted her medical providers for updated records. Fields attorneys scoured the insurance claim file and found that the insurance company had ignored recommendations from our client’s doctors. Our attorneys filed an appeal with the insurer, but the decision did not change. Fields attorneys then filed a lawsuit in federal court to fight for our client’s benefits. During preparations for trial, our attorneys negotiated a generous lump-sum settlement. Our client was overjoyed with the settlement amount, and relieved to be done fighting her insurance company.”
2455, az
“A young woman from Arizona had worked as a Project Team Specialist for Best Buy when she underwent surgery for multiple growths in the sole of her foot. Her foot later became infected after the surgery. Due to the infection, she began to suffer chronic and severe pain in the foot. Eventually, the pain grew so great that she could not function and required the use of heavy opiates for pain management. The long-term disability insurer initially accepted the claim and paid benefits. After paying benefits for a number of years, the insurer denied her claim for benefits stating that they believed she could work in other occupations which they had identified.
Not knowing what she was supposed to do, she found the attorneys at Fields Disability. Her attorney at Fields went right to work. He provided the insurer with all of the necessary medical records and reports from doctors supporting her disability. He also highlighted the faults with the insurer’s review of the claim. The insurer denied the appeal. Her attorney responded by immediately filing a lawsuit in federal court. Her attorney fought hard for her case. After negotiation, they were able to reach a settlement which provide incredible value to the client while mitigating any risk of the client ending up with nothing. The client was very pleased with the settlement and never having to deal with the insurer again.”
2452, az
“A secretary developed severe COPD and was forced to leave her job. She was unable to handle even sedentary office work due to shortness of breath and dizziness. Her doctors told her the condition was terminal and she had just a few years left to live. She submitted a claim for long-term disability benefits from her disability insurance company. For a short period, the insurer paid the woman’s claim. Without warning, the woman was sent a denial letter. While paying the woman’s claim, the insurance company paid an investigator to conduct surveillance on the woman. The investigator observed the woman on a short walk at the park across the street from her apartment and the insurer used that as the basis for a denial. The woman appealed the decision on her own, but it was denied.
Knowing she needed help fighting the insurance company, she hired Fields Disability to represent her. After reviewing our client’s claim file, our attorneys filed a lawsuit against the insurance company. We then negotiated a substantial settlement for our client, reflecting a large portion of the benefits she was owed through the life of the policy. The settlement allowed our client to afford necessary medicine and oxygen tanks and she was able to live out her remaining time with comfort and peace of mind.”
2376, az
“A young woman from Arizona suffered a stroke which left her mildly paralyzed on her let side. As a result, she was unable to perform her job as an analyst for Honeywell. Cigna, her long-term disability insurer, initially accepted her claim and paid benefits for two years. The definition of disabled under her policy later changed and Cigna denied her benefits claiming that she did not meet the new definition of disability.
Clearly unable to work and unsure of what to do, she reached out to Fields Disability. Her attorney at Fields started by reviewing the entire file from the insurance company and creating a plan for the appeal. After completing his review, he updated medical records and obtained statements from multiple doctors that the client had treated with. With the updated records and reports, he drafted an appeal which outlined how her condition prevented her from working. The insurance company reversed its decision and reinstated the client’s monthly benefits. The client was elated to hear that she would be getting her benefits back.”
1751, az
“A Home Theater Install Technician was unable to continue working due to disabling low back pain. Based on his disabilities, and his inability to work, he applied for long-term disability benefits, which was approved by The Hartford Life and Accident Insurance Co.
Our client received benefits until his long-term disability claim was terminated by Hartford by a letter. In Hartford’s denial letter, it stated, without considering Claimant’s current and progressing disabilities, he was able to perform the essential duties of Any Occupation.
The Fields Disability attorneys collected all the medical records and opinions of our client’s doctors and submitted a comprehensive appeal. After receiving the appeal, The Hartford Life and Accident Insurance Company was forced to agree the man was disabled and reinstated benefits immediately.”
1577, az
“Our client worked as an assembly manufacturing associate in Arizona. Over time, he developed lumbar disc disease and degenerative joint disease in his knee, which caused severe atrophy of his leg muscles.
His long-term disability insurer paid benefits for 24 months agreeing he was disabled from his “Own Occupation”. However, after 24 months the insurer wrote to our client informing him it had determined there were other jobs he could perform in the national economy and therefore it was discontinuing his benefits.
Our client appealed this decision on his own but the insurer refused to overturn their decision. He reached out to Fields Disability for help bringing a lawsuit in this matter. First, our team filed a lawsuit on his behalf. Then, we entered into settlement discussions with the insurance companies attorneys and were able to negotiate a fair settlement resolving this claim.”
1724, az
“Our client was an engineer from Arizona. He suffered a series of electrical shocks triggering multiple cognitive and functional deficits. Further, while receiving treatment for neuropsychological conditions, he was diagnosed with dementia. Unfortunately, Reliance Standard, through the third party administrator The Matrix, denied his claim for long term disability benefits. The Matrix commissioned a medical record review and relied on that review over multiple exams and clinical documentation from our client’s treating doctors.
Our client reached out to Fields Disability to help him appeal this decision. Fields Disability secured narratives from multiple treating providers, responding to the Matrix’s denial; and an expert opinion from an independent vocational expert documenting that he could not perform any other substantial work, let alone his own occupation. After reviewing our appeal, Reliance Standard reversed its decision, paid almost a full year’s worth of back benefits and has commenced monthly payments.”
1571, az
“A 50 year old male who, prior to his disability, worked as a Warehouse Worker with Amazon in Phoenix. As part of his occupation, he had to repeatedly lift, reach, bend, and climb stairs, as well as stand with his arms stretched for eleven hour shifts.
Over a three month period, he developed significant pain in his lower abdominal area, which became so excruciating over time that he had to apply for disability benefits which, unfortunately, was denied. While having to deal with the disability insurance carrier, he underwent a surgery to rectify an umbilical hernia, which forced him to stay in bed convalescing for months on end.
Eventually, he sought out the assistance of Fields Disability. Attorney Merrick Williams reviewed the file, assembled supportive medical records and reports and filed a memorandum of appeal demanding reversal of the disability carriers’ denial.
After a 45 day review of the appeal, the disability carrier reversed its denial and began making disability payments. While this clients condition is, fortunately, something that will eventually heal, he is extraordinarily grateful for the efforts of Fields Disability to ensure he is receiving disability payments while he is attempting to heal from his condition.”
1723, az
“A customer service agent suffering from an immunity virus, chronic low back pain, and coronary artery disease was abruptly cut off from his disability benefits based on the insurance company’s selective and partial review of his medical and vocational records. In support of the discontinuation, the insurance company stated that the claimant should be capable of frequent and continuous sitting and frequent standing and walking. The insurer relied on the opinion of a Vocational Rehabilitation Specialist who reviewed the worker’s file and stated that he was able to perform sedentary work.
The disabled worker called Fields Disability because he knew that his insurance company had made a mistake. Our team prepared a winning appeal for our client that exposed the inadequacy of the insurance company’s review.
In preparing the appeal, we gathered reports from our client’s treating doctors and highlighted parts of his medical records to show that he remained entirely disabled from not just his own, but any occupation. We forced the insurance company to admit its mistake, reinstate our client’s long term disability benefits and award him back pay for lost benefits.”
2451, ar
“A woman from Arkansas experienced chronic pain and suffered from depression and anxiety. These conditions prevented her from performing her job as an Operational Finance Assistant. Her short-term disability insurer, MetLife, denied her claim stating that the medical evidence did not support that she was disabled throughout the elimination period.
Clearly unable to work and unsure of what to do, she reached out to Fields Disability. Her attorney at Fields began with reviewing the entire file from the insurance company and creating a plan for the appeal. After completing his review, he updated medical records and obtained a narrative report from her primary doctor. With the updated records and reports, he then drafted an appeal which outlined how her condition prevented her from working and had been present throughout the entire elimination period. Upon review, the insurance company reversed its decision and reinstated the client’s monthly benefits. Our client was elated to hear that she would be getting her benefits back.”
2450, ar
“A technical writer for a business office developed multilevel degenerative disc disease and radiculopathy over the course of her career. She was covered under a long-term disability policy, and applied for benefits after her date of disability. She was initially approved, and was on claim until her policy’s definition of disability changed from Own Occupation to Any Occupation.
She needed help appealing the insurer’s denial decision, and hired Fields Disability. The Fields team got to work on her appeal, ordering updated medical records, getting her social security claim file, and securing a letter of support from her primary treating physician. The Fields lawyers also crafted pointed arguments within the appeal, addressing all of the claims the insurer made in their denial letter. The Fields lawyers submitted their appeal, and after several months of consideration, the insurance company approved the appeal, overturning their prior denial decision and reinstating our client’s long-term disability benefits.”
2449, ar
“A man from Arkansas became disabled for roughly a year after suffering from chronic back pain. He was unable to perform his medium-duty occupation, however his disability insurance company denied several months of long-term disability benefits, stating there was insufficient evidence to show an inability to work.
Unsure of what to do next, he hired Fields Disability to file a lawsuit against the insurance company. Fields attorneys argued that a lumbar decompression surgery that took place in the middle of the period of disability showed an inability to perform work and the insurer was requiring too high a standard of disability. Just a few months after the lawsuit was initiated, our client received a very favorable settlement in the form of a lump-sum payment. He was thrilled to recoup a large portion of the benefits owed to him while minimizing the risk of arguing his case in front of a federal judge.”
2448, ar
“A pneumatic jack operator from Arkansas had to stop working because of severe abdominal pain caused by alcohol dependency complications and pancreatitis, which made him unable to stand for extended periods of time. He applied for long-term disability, but his insurer denied him, because, according to them, he was still able to perform his job. Then, he called Fields Disability for assistance.
Our team obtained all our client’s medical records and the claim file from the insurance company. The Fields attorneys submitted an appeal to the insurer, explaining that they failed to consider all of our client’s ailments, but the insurer’s decision did not change. Our attorneys negotiated a pre-litigation settlement from the insurerand our client received a lump-sum payment.”
2447, ar
“An Airport Utility Worker from Magnolia, Arkansas began having severe forearm and wrist pain from constantly lifting and turning luggage. She had surgery to correct carpal tunnel, but the surgery failed and her forearms essentially became unusable. She received long term disability through her employer’s insurance plan, but the insurer stopped paying after two years because they said she could return to work.
She was worried about her lost income, and angry at the insurance company. She called Fields Disability for help. Our team obtained the claim file from the insurance company and found that the insurer had erroneous occupational analysis. Fields attorneys drafted a strong appeal to the insurance company but they did not budge and our attorneys filed a lawsuit in federal court against the insurance company. During preparations for a hearing, our attorneys negotiated a generous lump-sum settlement. Our client accepted and is happy to be through worrying about her disability claim.”
1692, ar
“A 54-year-old woman who formerly worked as a Licensed Practical Nurse needed to stop working following complications from a stroke. Mutual of Omaha denied her claim for long-term disability benefits because it opined that she had a pre-existing condition—hypertension, which the insurer claimed had a direct correlation to the stroke she had.
According to the group policy governing her long-term disability benefits, a preexisting condition was any Injury or sickness for which she received medical treatment for, or had medicines prescribed to her in the 12 months prior to the day she was disabled.
The attorneys at Fields Disability appealed this denial of benefits claiming hypertension is not a pre-existing condition for a stroke. Mutual of Omaha agreed and reversed its prior decision to deny benefits.”
1693, ar
“A blowmold operator became disabled after suffering a stroke. The man had several residual effects, including unsteadiness on his feet and optic nerve neuritis. His symptoms kept him from safely working with blowmold machinery, and his doctors took him out of work.
Mutual of Omaha paid the man short term disability benefits without any issues. Unfortunately, when the time came for Mutual of Omaha to pay the man long-term disability benefits, he was denied. Omaha stated the man could return to work and did not have any limitations.
The man hired Fields to fight Omaha’s wrongful denial. His Fields Disability attorney secured narrative reports from the treating doctors. One report forcefully stated the man’s visual deficits would completely limit his ability to perform the blowmold operator job. The reports were submitted to Omaha along with legal and factual arguments. After a brief review, Omaha notified the man’s attorneys that it would be reinstating benefits. The man received a substantial backpay check and was able to get caught up on all of his bills.”
1671, ar
“A customer service clerk from Arkansas was diagnosed with bipolar disorder. She was living with family at the time who were causing stress and exacerbating her symptoms. She tried multiple medications to control her mental health issues, but ultimately was forced to stop working. She applied for long-term disability benefits but was denied through her employer’s insurance company.
Upset that her monthly income was gone, she contacted Fields Disability for help. Our team gathered documentation from all her medical providers and helped her find new treatment after she decided to move to a new city. Our attorneys sent a strong appeal to the insurance company, but the insurer didn’t budge.
Fields attorneys filed a lawsuit in federal court to fight for our client. During preparations for trial, our attorneys negotiated a generous lump-sum settlement. Our client was pleased with the settlement amount, and was glad to have Fields Disability fighting for her.”
1657, ar
“A woman who worked as the manager of a bank became unable to work due to a combination of severe asthma and osteoporosis. Her condition prevented her from doing any type of work, much less her own. She initially received short-term disability benefits but was later denied long-term disability benefits. The insurer claimed that the medical records did not show she was unable to perform her own occupation.
Unsure of what to do, she reached out to Fields Disability. Her attorney at Fields went right to work updating the client’s medical records to submit to the insurance company. With updated medical information, the attorney drafted an appeal which made the case for disability. The insurance company denied the claim on appeal.
The attorney immediately filed a lawsuit in federal court. After negotiation, they were able to settle the claim for a great value to the client which mitigated any risk of losing with litigation. The client was overjoyed with the result.”
1575, ar
“A customer service representative from Arkansas began to lose feeling in his feet. Eventually, as a result of complications with diabetes he had three toes amputated. The alternating pain and numbness became too much and he was forced to stop work in 2015. He received long-term disability benefits for a few months through his employee insurance policy, but was suddenly told by the insurance company that he no longer fit their definition of “disabled”.
Worried that he was running out of money for treatment, he contacted Fields Disability for help with his appeal. The attorneys at Fields Disability scoured the insurer’s case file and gathered doctor’s reports to strengthen the appeal. The insurer denied the appeal.
Our attorneys filed a law suit in federal court against the insurance company. During preparations for trial, Fields Disability attorneys negotiated a generous lump-sum settlement for our client. He was happy to be done fighting the insurance company, and pleased to be able to use the settlement check to pay for his treatment.”
2597, ca
“Our client had a serious work injury and could not work anymore. His employer provided long-term disability insurance that our client began receiving while pursuing his worker compensation claim. After his worker compensation case settled, our client had to change doctors. The long-term disability insurer used that as an opportunity to terminate our client’s benefits.
The team at Fields Disability immediately contacted our client’s new and prior treating providers. We made sure the insurer did not exploit the change in doctors by gathering statements from the doctors and updated medical records. The appeal put together by the Fields Disability team got our client’s benefits restored and his back benefits paid. Our client was very happy to be able to focus on his medical treatment and not insurance company paperwork.”
2594, ca
“Our client worked as a trucker for several years. He developed severe low back pain that rendered performance of his work duties impossible. Luckily, he had recently elected disability coverage with Guardian through his employer. He submitted his claim to Guardian, however the insurer denied benefits stating our client’s conditions were pre-existing. However, he had clearly not treated for his low back during the period of time in question.
On appeal, the Fields attorneys compiled medical information to unequivocally show that our client did not treat for his low back conditions during the time period in question. After review of the appeal, Guardian approved the claim and our client received a check for all past-due benefits.”
2577, ca
“A Car Salesman from Menifee, California began suffering from shoulder and back pain after a car accident that required him to have shoulder surgery. His symptoms made work impossible. After being approved for short-term disability benefits and receiving long-term disability benefits for two years, the insurance company stopped paying because they said he could return to work.
Worried about his lost income, and still struggling with severe pain, he called Fields Disability for help. Our team obtained the claim file from the insurance company and found that the insurer overlooked key records. Fields attorneys obtained an expert vocational opinion and drafted a strong appeal to the insurance company. The insurer changed their mind and our client received a lump-sum payment for back-pay and ongoing monthly benefits. Our client is happy to be through worrying about his disability claim, and is glad he contacted Fields Disability to represent him.”
2572, ca
“A University Department Head began feeling intense abdominal pain. Her doctor diagnosed her with interstitial cystitis; a bladder condition that causes serious discomfort. As she searched for treatment options, she became depressed. Her symptoms caused her to miss work, and she applied for disability benefits through her employer. The insurer approved her for short-term benefits, but when the time came to switch her claim to long-term disability, the insurer said she no longer fit their definition of disabled.
Worried for her lost income, she contacted Fields Disability for help. Our team contacted the insurance company and received a complete copy of her claim file which revealed that our client had an opportunity to appeal the decision. Our support team obtained medical records from all our client’s treating physicians and requested narrative reports that supported our client’s claim. After the evidence was gathered, Fields Attorneys drafted a strong appeal to the insurance company, highlighting treatment records and the applicable law. The insurer reviewed the appeal and overturned their decision, Our client received a lump sum for back-pay and received ongoing monthly benefits. She is happy to be through fighting the insurance company, and is pleased with the help Fields Disability provided.”
2482, ca
“A woman who was nearing retirement was forced to cease work earlier than expected due to chronic low back pain. She applied for long-term disability benefits, thinking it would be no problem for the insurance company to approve her claim for benefits. She did not realize that her insurance company retained discretion to make the determination about whether or not she was entitled to benefits. She was shocked when the insurance company denied her claim. This decision left her without any income at all.
She turned to Fields Disability for help. We worked with our client’s doctors to provide evidence in support of her claim for long-term disability benefits. Despite the overwhelming evidence we provided, the insurance company would not reverse their decision, forcing us to file a lawsuit against them in federal court. Throughout litigation, the insurer continued to deny that the woman was entitled to benefits. However, as the litigation progressed, the insurance company became open to discussing a lump sum settlement. In the end, we were able to reach an amicable resolution outside of court. The settlement will provide financial security to the woman into the future.”
2474, ca
“A California resident formally worked as an insurance representative until her depression, anxiety, shoulder and back conditions became too much and she was forced to stop working. This insurance representative was approved for both worker’s compensation and short-term disability benefits, which showed she had extensive issues and conditions that prohibited her from working. The insurance company, however, denied her application for long-term disability benefits because it believed that the medical files did not support impairment that would prevent her from performing the material and substantial duties of her own occupation.
Upset with the insurers decision to deny her benefits, she contacted Fields Disability Law Firm for help appealing the decision. The attorneys at Fields Disability Law Firm contacted our client’s doctors to compile reports of all of her symptoms and treatments. Even after submitting a comprehensive appeal, the insurer issued a decision and determined to uphold their prior determination to deny our client’s long-term disability benefits.
Our attorneys immediately filed a lawsuit against the insurance company in federal court to fight for our client. During preparation for trial, Fields Disability attorneys were able to negotiate a generous lump-sum settlement for our client. She was overjoyed with the resolution of her case.”
2444, ca
“A doctor from Stockton, California began experiencing intense bouts of fatigue, depression, and insomnia after an extended trip out of the country to visit family. His symptoms did not improve and he was diagnosed with Mitochondrial Myopathy and forced to stop working. He applied for long-term disability benefits through his insurance company at work but was denied because the insurer said he was not working as a full time employee at the time of his disability.
Worried about his lost income and still unable to return to work, he called Fields Disability for help. Our team obtained the full claim file from the insurance company and our attorneys scoured the record for places where the insurance company made legal or factual errors. Our attorneys found that the insurer misinterpreted the policy as it applied to our client’s employment. Fields attorneys drafted a strong appeal to the insurer based on strong legal research. The insurance company changed their mind and overturned the decision and our client received a lump-sum check for back pay and ongoing monthly benefits. He was pleased with the diligent advocacy from Fields Disability and is overjoyed to be done fighting his insurance company.”
2417, ca
“A purchasing agent had multiple heart surgeries for cardiomyopathy. His condition left him extremely fatigued and short of breath often. Eventually his symptoms worsened and he was forced to stop work. Shortly after he left work, his son unexpectedly passed away. Lincoln National Insurance approved him for long-term disability benefits due to his heart condition and depression from the loss of his son. After receiving benefits for two years, Lincoln National suddenly stopped paying benefits.
Shocked by the sudden loss of income, he contacted Fields Disability for assistance. The attorneys at Fields Disability immediately contacted the insurance company for a copy of the claim file. Our attorneys found that the insurance company did not account for our client’s depression in their analysis. Fields Disability attorneys submitted a strong appeal to Lincoln National. Ultimately, the insurance company overturned their original decision. Our client received a lump-sum check for back-pay and was awarded ongoing benefits. He was overjoyed with the result, and pleased with the professional representation of Fields Disability.”
2377, ca
“A registered nurse from California suffered from chronic and severe back pain. This condition prevented her from being able perform any work, as she could not stand or walk without severe pain. Liberty Mutual, her long-term disability insurer, denied her claim asserting that the medical information on file showed that she was capable of performing her own occupation.
Unable to work and scared about what to do, she reached out to Fields Disability. Her attorney at Fields knew exactly what to do. After completing his review of the insurance company’s file, her attorney developed a winning strategy for her appeal. He updated medical records which showed the chronic pain the client was experiencing. With the updated records, he then drafted an appeal which laid out the argument that her back condition was so serious that there was no way she could work. He also argued against the reasoning from the insurance company for their denial and highlighted the inconsistencies and failures in their review. The insurance company reversed their decision and reinstated the client’s monthly benefits. The client was elated to get her benefits back.”
1759, ca
“A man from California suffered from multiple sclerosis which caused him significant fatigue that prevented him from working. His long-term disability insurer, The Standard Insurance Company, initially accepted and paid his claim for long-term disability benefits. Later on, they denied his claim arguing that he had the functional capacity to perform a sedentary occupation.
Not knowing what he was supposed to do, he found the attorneys at Fields Disability. His attorney at Fields went right to work. He reviewed all of the records from the insurance company and went to work getting updated records. With updated records and a full understanding of the insurance company’s arguments, his attorney drafted a winning appeal which forced the insurance company to reinstate benefits. The client felt an incredible sense of relief knowing that he had an income on which to support himself and his family.”
1629, ca
“A young woman Arizona was involved in two separate motor vehicle accidents. She suffered from a mild traumatic brain injury as a result. The TBI later caused significant mental health issues which prevented her from working and from completing her dissertation.
The long-term disability insurer initially accepted the claim and paid benefits. They later denied her claim for benefits stating that they believed she could work in other occupations which they had identified. The client attempted to appeal the denial on her own and was denied.
Frustrated and unsure about what to do, she found the attorneys at Fields Disability. Her attorney at Fields filed a lawsuit in federal court. After negotiation, they were able to reach a settlement which provided incredible value to the client. It also provided her the satisfaction of knowing that she would never have to deal with the insurer again. The client was very pleased with the settlement.”
1584, ca
“A California finance manager began having back pain. He had undergone three prior back surgeries, and the hardware in his back was failing. His pain was severe when sitting, so he had to stop working at his office job. He applied for long-term disability benefits through his employer and was denied by the insurance company based on an off-hand doctor’s note that said he could work from home.
Worried about his lost income, he contacted Fields Disability for help. Our team requested medical records from all our client’s physicians to write a strong appeal. The insurance company denied the appeal, but our attorneys began preparing for a lawsuit in federal court. During preparations for a hearing, Fields Disability attorneys negotiated a generous lump-sum settlement. Our client was happy with the settlement check, and pleased with the professional advocacy Fields Disability provided.”
1672, ca
“A patient service representative in California became disabled after developing chronic nerve damage, bursitis, arthritis, and complications after a bladder mesh removal surgery. Thankfully, she was covered under an employer provided long-term disability plan.
She filed an application for long-term disability benefits on her own, but was denied by her insurer who claimed she did not meet the definition of disabled under the her policy. She tried to appeal the decision herself, but was again denied by the insurance company. Dispirited, she got the help of a local attorney to file a last ditch appeal of the decision, but was denied one last time.
Feeling like she was out of options, and worried about her future and financial security, she brought on the team of attorneys at Fields Disability. After consulting with our new client, our attorneys filed an application for social security disability benefits on her behalf. Then, we quickly filed a lawsuit against the insurer, refuting their justifications for denial. We argued that the insurer had failed to have our client independently examined by a physician, and had improperly relied on medical opinions that were biased and unsubstantiated by evidence.
Through numerous court filings, Fields Disability fought for our client’s right to receive her long-term disability benefits. The insurance company soon had no choice but to come to a settlement. Check in hand, our client was overjoyed at the lump sum figure. She also soon learned that we also had won her approval for social security benefits! Relieved that such a tragic situation had been completely turned around, she was able to relax in financial security and enjoy the California sun.”
1673, ca
“A self-publishing author and employee of a California bookstore was only a few years away from retirement when she applied for and was granted long-term disability benefits from her private insurer. Then, in a two week time period, her husband died, she was evacuated from her home during a forest fire, and she developed complications with her auto-immune disease.
Completely distraught and grieving the loss of her partner, she was shocked when the insurer began harassing her with phone calls and threatening to discontinue her benefits. After reducing her payments by almost 70%, the insurance company abruptly cut off her benefit payments, claiming that the woman had failed to provide minor earnings information about several books she had written.
She felt like she couldn’t take the stress anymore, and just wanted to give up. Fortunately, she found Fields Disability while searching the internet, and gave us a call. She spoke with an attorney right away, and was relieved when we promised to fight the abusive insurer.
First and foremost, our attorneys put an immediate stop to the insurance company’s harassment, and provided the income information they claimed to be missing. We then demanded reinstatement of our client’s benefits, arguing that her income from the book sales was not covered under the disability policy and therefore could not be defined as active employment.
The insurer soon replied with a letter reinstating our client’s long-term disability benefits with back pay. However, our client wanted to get a lump sum settlement of her benefits, so she wouldn’t have to worry about being cut off again in the future.
The Fields Disability team worked diligently and quickly secured a full settlement of our client’s benefits claim. She soon received a large check in the mail, three times what she thought she would get! She was able to cash it knowing she would be financially secure and protected from any further harassment.”
2626, co
“Over the period of several years, a Security Supervisor from Colorado underwent 13 surgeries on his spine. He was unable to work during that time and was approved for long-term disability benefits. After two years, the insurance company abruptly terminated his benefits, claiming that based on their independent medical exam and his recent medical records, he was able to return to work in alternate occupations like a Gate Guard or Timekeeper.
Uncertain what to do to resolve the situation, he retained Fields Disability to appeal his denial. The Fields attorneys began gathering updated medical documentation to support their appeal and wrote an appeal critical of the insurer’s denial reasoning. Upon consideration of the appeal, the insurer overturned their prior determination and reinstated his long-term benefits, including sending him a check in the mail for his back payments.”
2619, co
“A Social Worker from Denver, Colorado was diagnosed with Lyme’s disease and chronic fatigue syndrome. She already suffered from colitis and resulting anxiety and depression about always needing to be aware of where the nearest bathroom was located. The constant fatigue on top of her previous conditions made work impossible. She applied for long-term disability benefits and the insurance company paid for a few months but then cut off benefits because they said she could return to work.
She was upset at the insurance company and worried about her lost income so she called Fields Disability for help. Fields attorneys scoured the claim file from the insurance company and found that the insurer overlooked key medical records. Our team obtained additional expert reports to strengthen the evidence and our attorneys submitted a strong appeal to the insurance company. The insurer changed their mind and our client received a lump-sum check for back-pay and ongoing benefits. She is pleased with Fields Disability and happy to be done fighting her insurance company.”
2558, co
“A Claims Representative for a transportation company developed extensive full columnar degrative disc disease. Over time he had to undergo four separate multi-level spinal fusion surgeries. Additionally, he also suffered from bilateral carpal tunnel syndrome and PTSD. After his latest fusion, he was simply no longer able to return to any sort of employment. He applied for disability long-term benefits and was initially approved. However, after only two months, the insurer terminated his benefits, claiming he could return to his sedentary level occupation. The man unsuccessfully tried to appeal the insurer’s decision on his own. The insurer denied both of his appeals.
Feeling like he had run out of options, he retained Fields Disability to fight for his rights. Our team of attorneys analyzed his case and determined the only course forward was to file a federal lawsuit against the insurer. The Fields attorneys filed our client’s case, and the suit progressed through several procedural steps. The insurer soon engaged our attorneys in negotiations. The Fields team was eventually able to secure a sizable settlement for our client, who shortly thereafter received his check in the mail.”
2553, co
“A technical support specialist for an international computer and cell phone manufacturer developed severe mental health symptoms later diagnosed as bipolar disorder. He submitted a claim for short and long term disability benefits to his insurance company. The insurer was skeptical of the claim from the onset, sending him to an independent medical examination. The independent doctor agreed that our client was disabled and benefits were paid for several months until the insurer had another medical doctor review our client’s claim. That doctor, who had not personally examined our client, told the insurer that restrictions and limitations were not supported and our client could return to his fast-paced and stressful job.
Our client tried to fight the denial and submitted his own appeals which were denied. He found Fields Disability to help him fight the denial in federal court. Our attorneys assisted our client in negotiating a settlement with very favorable terms. Our client was able to focus on his recovery using the settlement proceeds to support himself and his family.”
2552, co
“Our client worked as a project director for many years before leaving work due to a spinal abscess impinging her spinal cord. She underwent a cervical compression surgery, which was ultimately successful, but she was left with severe neurological deficits like widespread neuropathy and hyperreflexia. She applied to The Standard and was paid disability benefits for several years until she eventually returned to work in a part time capacity.
The Standard initially paid our client her partial disability benefit, but after a few months, she was denied. The Standard stated she was able to return to work in a full-time capacity. Fields Disability attorneys contested the denial, and worked with our client’s treating doctors to build medical evidence to show she remained disabled under the policy. After a review of the appeal, The Standard reinstated benefits and paid all outstanding backpay.”
1637, co
“A young man from Pennsylvania that, despite having endured significant trauma as a child, was able to secure a great job in the financial industry. Eventually, his past trauma caught up with him and his post-traumatic stress disorder became too much for him to maintain his work. His long-term disability insurer initially paid short-term disability but denied long-term disability benefits. They later denied the claim, arguing that the medical information did not show that he was disabled.
Not knowing what he was supposed to do, he found the attorneys at Fields Disability. His attorney at Fields drafted an appeal which questioned the insurance company’s rationale for denying the claim and provided additional medical support highlighting his significant mental health difficulties. On appeal, the insurance company upheld their decision to deny the claim. After being denied on appeal, his attorney reached out the insurance company and settled the claim without resorting to litigation. The client was very happy to know that he would be receiving a settlement rather than going forward with litigation.”
1746, co
“Our client was a young man who worked as a hotel manager in Colorado for a major hotel chain. He developed dysautonomia, as well as some associated diseases that affected his ability to work in any capacity. He submitted a claim to his insurance company, and was paid benefits during the Own Occupation period of the policy.
However, when the definition changed to Any Occupation, the man was denied continuing benefits. The insurance company said the man would be able to perform a number of desk jobs. The man hired Fields Disability to sue the insurance company in federal court.
Our attorneys developed a number of arguments to challenge the insurer’s decision. Fields Disability successfully negotiated a large settlement leveraging the insurance company’s errors. The man was thrilled and was able to help bring his parent’s past-due mortgage up to date and avoid foreclosure.”
1745, co
“Our client was a furniture mover from Colorado, suffering from spondylosis, lumbar disc herniations, radicular symptoms into his legs, carpal tunnel syndrome. He was originally approved for benefits but after the definition of disabled changed the insurer terminated his Long-Term Disability payments. The insurer then denied his appeal, despite having support from his treating doctors.
Having no other options, he turned to Fields Disability for help filing a lawsuit. Our team negotiated a settlement of the claim without our client having to go to court. Afterward, our client was able to put this matter behind him and never deal with the insurer again.”
1589, co
“Our client was a Logistics Specialist from Colorado. She suffered from Multiple Sclerosis; bulging discs with nerve root impingement in her spine; and chronic pain. Originally, she was taken off of work by her medical providers and applied for benefits through her plan with Cigna. Cigna approved the claim and paid benefits for 24 months. However, when the definition of disability changed to “any occupation” under the relevant policy, Cigna discontinued benefits asserting there were occupations she was capable of performing in the national economy.
After attempting to fight this denial on her own without success, our client reached out to Fields Disability for help. Her attorney built an appeal establishing that not only had her conditions not improved, they had actually worsened over the course of time benefits had been paid. Additionally, the appeal established Cigna failed to properly evaluate our client’s ongoing entitlement to benefits; and had selectively cited, misstated, and ignored relevant evidence in the file.
After reviewing our appeal Cigna reversed its decision, paid our client her back pay, and recommenced monthly disability payments.”
1590, co
“A plumber in Honolulu began having recurrent dizziness and vertigo which could last up to three days at a time. His job required him to lift upwards of 100 pounds and climb up and down ladders, so his condition forced him to stop working for fear of serious injury. He applied for long-term disability benefits through his employer’s insurance plan with Cigna. Cigna denied the application for benefits without any additional medical examination.
Shocked at the result of the application and worried about being able to support his newborn daughter, the plumber contacted Fields Disability to help mount a strong appeal. Fields Disability attorneys obtained updated reports from our client’s doctors to strengthen the evidence of disability. We made sure the reports referenced the lifting capacity and work duties that our client’s employment required.
Fields Disability attorneys and support staff gave our client updates at every step of the process. Ultimately, the appeal was approved and our client was awarded back-pay and continued benefits. He is ecstatic to be able to focus on his treatment and caring for his daughter rather than worrying about his job.”
2603, ct
“Our client went out of work and started receiving long-term disability benefits due to rectal cancer. Two years after receiving benefits, her insurance provider cut off her benefits, concluding she could work in a sedentary position. Throughout her cancer treatment, however, she developed other disabling side effects, including anemia, chemo induced peripheral neuropathy, anxiety and depression, chronic diarrhea, bowel obstruction, pain in both hips, and chronic pain. Her neuropathy causes so much pain in her fingers that it hurts to touch a keyboard. Just prior to the termination of long-term benefits, the Social Security Administration evaluated our client in person, and determined that she had less than sedentary functional capacity. Our client could not understand how the SSA could come to one conclusion, but her long-term disability insurer came to the opposite. She decided to reach out to the Fields Disability Team for answers.
Our Team assured our client that we would do everything we could to put together a solid record with evidence pointing to disability and appeal the insurers decision. The Fields attorneys wrote an appeal that documented all evidence that proved our client could not work in any occupation, and gathered support from our client’s doctors to bolster the argument. Our client’s long-term disability provider had no choice but to reinstate benefits following the appeal from our attorneys. Our client was so glad she decided to trust the Fields Disability Team to get her the quick, reliable results she needed to fight off her insurance company and get her well-deserved disability benefits.”
2591, ct
“A Day Care Director became disabled with myalgia, myofascial pain, cervical spondylosis, degenerative disc disease, fatigue, and Hodgkin lymphoma. She elected to apply for long-term disability benefits as a return to working was not in this individual’s imminent future and was initially approved for long-term disability benefits by the insurance carrier. However, the insurance carrier terminated the Day Care Director’s long-term benefits, indicating no more benefits were payable because she no longer met the definition of Total Disability.
Fields Disability attorneys were retained to appeal the insurance carrier’s decision to terminate long-term disability benefits. Despite Fields Disability’s best efforts in their all-inclusive and comprehensive appeal, the insurance carrier decided to continue to uphold its prior decision to terminate benefits. Not satisfied with this response, our client took the Fields Disability attorneys’ recommendation to submit a second appeal. The insurance carrier was still not convinced and decided to continue to uphold its prior decisions to terminate benefits. The attorneys at Fields Disability knew the insurance carrier’s decisions to terminate our client’s benefits were riddled with federal law violations and decided to file a lawsuit in federal court to object to the insurance carrier’s actions.
Just weeks after filing the lawsuit, the attorneys at Fields Disability were contacted by the legal counsel for the insurance carrier and informed that they wanted to resolve the case quickly and amicably. After some persuasive negotiations on the part of the attorneys at Fields Disability, the case settled, and our client received a nice resolution.”
2464, ct
“A woman from Connecticut had worked as a Masters Level Counselor for many years before succumbing to the symptoms of Chron’s Disease and leaving work. She suffered from chronic exhaustion, diarrhea, nausea, stomach pain, cognitive difficulties and anemia. She was insured for long-term disability and was approved for benefits upon her disablement. She remained on clam for three years until the insurer abruptly terminated her benefits, asserting that she could return to work in a different occupation.
They based their decision on some internal medical reviews which claimed she had lighter restrictions than what were provided by her own doctors. She knew she needed help appealing the denial decision and signed on with Fields Disability. Our attorneys quickly moved to gather updated medical records from all her doctors and secured supportive letter from her primary treating physician. The attorneys at Fields also orchestrated a vocational expert to compile a report concerning our client’s workability, which came back fully supportive. The Fields team then submitted the appeal of the insurer’s denial. Faced with mounting evidence supporting our client’s disablement, the insurer had no choice but to quickly overturn their prior decision, pay to date back benefits and reinstate future benefits.”
1721, ct
“A medical laboratory technician from Connecticut slipped and fell at work, seriously exacerbating a previous back injury. He underwent discectomy and fusion surgery, but still experienced severe back pain and numbness in his legs. He was forced to stop work due to his symptoms. He received long-term disability benefits through his insurance at work for two years. Then, suddenly, the insurer stopped the payments and said that he no longer fit the definition of disabled in the policy.
Without the disability payments, his monthly income would be eliminated. He called Fields Disability for help. Our team immediately requested medical records from all our client’s doctors. Fields attorneys ordered updated narrative reports which highlighted our client’s condition. With the evidence strengthened, our attorneys submitted a strong appeal to the insurance company.
Unfortunately, the insurer did not change their mind, but our attorneys were not discouraged and filed a lawsuit in federal court. During preparation for arguments before a judge, our attorneys negotiated a generous lump-sum settlement. Our client was pleased with the settlement and relieved to be done fighting the insurance company.”
1591, ct
“A tax director for a national accounting firm became disabled when his type 1 diabetes resulted in complications to his lower extremities, including a diabetic foot ulcer. The man could not walk for more than a few minutes a day. If he over-exerted himself, he could develop further complications requiring amputation of his foot. He applied for disability benefits and retired to focus on stabilizing his medical conditions.
The man was paid for approximately two years before Cigna denied his benefits, stating he was able to perform his own sedentary occupation as an accountant. As a tax director, he was shocked. Far from sitting in an office working on tax returns, his job required him to meet with clients at their businesses and attend local business events.
Out of options, he hired Fields Disability to pursue his claim. The Fields attorneys assembled a number of medical narrative reports outlining our client’s symptoms in his upper and lower extremities. Additionally, the attorneys had a vocational professional review our client’s job duties and write a report arguing Cigna failed to consider the material duties of our client’s occupation when it myopically labeled him as an accountant. Just a few weeks after the appeal was submitted, Cigna reinstated the claim and paid our client all of the outstanding back pay.”
1757, ct
“An office clerk at Yale University experienced serious pain due to sciatica and herniated discs in her back. Due to her condition, she was unable to continue in her job and was awarded long-term disability benefits in 2014 through her insurer. After receiving benefits for two years, the insurance company sent a letter in 2016 informing her that she no longer met their definition of disability. The insurance company based this decision on an opinion from a doctor who she had never seen. The woman appealed, and the insurance company repeatedly delayed the appeal process before denying benefits again.
Upset and anxious about the sudden loss of income, she contacted Fields Disability to assist in contesting the decision from the insurance company. Our attorneys examined the medical records and found that nothing had changed with our client’s diagnosis. The doctor hired by the insurance company made his decision without considering the strong medical evidence that our client was disabled and unable to work.
The Fields Disability team filed suit against the insurance company. During preparations for trial, we negotiated a settlement for our client, who was elated with the resolution of the case and happy to enjoy the settlement check. She was pleased with our speedy, professional approach and decided to work with us on her Social Security disability appeal as well.”
1760, ct
“A Cyber Security Director and former National Guard member was laid off while recovering from Lyme’s disease and joint surgery. He had developed several serious health conditions during and after service in the National Guard and Peace Corps, including chronic migraines and fatigue, type 2 diabetes, PTSD, and severe spine and joint pain. Knowing he was in serious financial risk because of his conditions, he reached out to Fields Disability to help him with his disability application.
The Fields Disability team started drafting his application, coordinating with his numerous physicians and specialists to gather their medical opinions. With our help, he was granted Social Security benefits within the year. The Fields team also filed for Long and Short Term Disability benefits from The Standard. Initially, the insurer denied his claim, stating that our client was capable of performing the material duties of his occupation. Our attorneys prepared appeals asserting that The Standard had failed to properly consider the combined effects of our client’s impairments, and neglected to conduct an independent review of his medical records. The insurance company soon reinstated our client’s Short Term Disability benefits, including back pay. They also agreed to grant our client Long Term Disability benefits, and he began receiving checks in the mail within days of the decision.”
2623, de
“A truck driver from Colorado applied for and received Long Term Disability benefits after suffering a serious and disabling stroke. After two years, Liberty Mutual terminated his benefits because one of the insurer’s doctors claimed he could work a sedentary job at this point, even though that doctor had never met him. Unsure what to do next, he reached out to Fields Disability.
The Fields Disability attorneys gathered updated medical records and received support from our client’s own treating doctors. Soon after the Fields Disability attorneys submitted the appeal, the insurer reversed their decision, and our client’s Long Term Disability benefits were restored.”
1592, de
“A woman who worked as an Internship/Externship Coordinator for a technical college in Delaware suffered from severe persistent asthma. Cigna, her short-term disability insurer, initially accepted her claim. One month later, they denied the claim. Their denial claimed that the medical information available did not provide clinical findings that would preclude her from working.
Not sure what she should do, she reached out to Fields Disability. After completing his review of the client’s file from the insurance company, her attorney developed a plan to fight the denial. He updated medical records and obtained a report from the client’s treating pulmonologist which stated that her asthma was rated at an AMA Class 4D, which is significant.
Armed with this report, her attorney then drafted a winning appeal. The insurance company reversed their decision and reinstated the client’s benefits and paid all the past-due benefits. The client was extremely relieved and grateful to have her sole source of income back.”
1593, de
“Our client was an Instrument Technician from Delaware. He suffered from tibia dysfunction, bilateral foot arthritis, bilateral knee osteoarthritis, Degenerative Joint disease of the knees, hypertension; congestive heart failure and sleep apnea. After being taken off work by his doctors he applied for long term disability benefits through his employer’s plan with Cigna.
Originally, Cigna approved our client’s benefits, but then Cigna discontinued our client’s benefits asserting his conditions had sufficiently improved such that benefits were no longer payable. This occurred shortly after our client was approved for Social Security Disability benefits and Cigna received its over payment of benefits.
Our client reached out to Fields Disability for help appealing this decision. Our attorneys drafted an appeal that established Cigna had relied upon selective evidence that misstated our client’s work restrictions and limitations and the required abilities of his occupation. Additionally, we received narrowly tailored narrative reports from our client’s treating doctor’s outlining his actual limitations and restrictions, which clearly make it impossible for him to perform his Own Occupation. After reviewing our appeal Cigna reversed its denial, paid our client his back pay, and recommenced monthly benefit payments.”
1594, de
“An education support specialist from Delaware began experiencing back pain. Her job required bending, lifting, and interacting with students. Eventually the pain became too much and she was forced to stop work. Her insurance company initially approved her for short-term disability benefits, but after a few months the disability payments stopped. The insurance company said she no longer fit their definition of “disabled”. Her doctors wrote the insurance company letters in response to no avail.
Worried about her lost income she contacted Fields Disability for help. Fields attorneys gathered documents from the insurance company and our client’s doctors to build the best case for our client. Our attorneys sent a strong appeal to the insurance company, highlighting doctor’s reports that the insurer overlooked in their decision. The insurance company overturned their decision and our client received ongoing benefits and a lump sum payment for back-pay. Our client was happy with the decision, and was pleased with the service Fields Disability provided.”
2615, dc
“A concierge from Washington, D.C. was assaulted by a coworker, however the coworker kept his job with the company and moved to a management role. Because of her trauma, the concierge experienced severe PTSD which was understandably exacerbated by returning to work. She applied for short-term disability through her employer’s insurance plan, but the insurer denied her application and said that she did not have psychiatric impairment serious enough to restrict her from returning to work.
She was furious that the insurance company, bitter with her employer, and worried for her lost income so she called Fields Disability for help. Our team obtained the claim file from the insurance company and found that the insurer overlooked key records. Fields attorneys obtained updated expert opinions from our client’s doctors and drafted a strong appeal to the insurance company. The insurance company changed their mind and our client received a lump-sum payment for back-pay and ongoing monthly benefits. Our client was pleased with the result, and happy to be through fighting with her insurance company.”
1774, dc
“A legal secretary was forced to stop working at a Washington D.C. law firm due to her disabling chest pain, dyspnea and hip/leg replacement surgeries. Sometime after her exhaustion of short-term disability benefits, she applied for long-term disability benefits, which was approved by Unum.
Our client was receiving long-term disability benefits until Unum preemptively terminated her benefits. The attorneys at Fields Disability contacted our client’s doctors to compile reports of all of her symptoms and treatments and appealed the decision to terminate benefits. Upon further review, and as a result of the Fields Disability attorney’s appeal, Unum reversed its decision to terminate and issued payments immediately.”
1642, dc
“A supervisor at Wal-Mart stores became disabled when she developed hidradenitis and carpal tunnel syndrome. As a result, she was unable to work. Her insurance provider denied the claim, stating that her conditions fell under a pre-existing condition provision in her policy.
Not sure what she should do, she reached out to Fields Disability. Our attorneys researched the effective date of the policy to determine if the pre-existing condition clause was valid. Additionally, we closely analyzed the medical records and determined that, even if the pre-existing clause was valid, our client’s carpal tunnel diagnosis did not fall under the pre-existing clause in her policy and she would qualify for Long Term Disability benefits. On appeal, Liberty Mutual reversed their decision and paid all past-due benefits. Our client was so impressed with Fields Disability that she hired us to attempt to settle the claim on a full-final and complete basis.”
1706, dc
“A young up-and-coming executive ceased working due to severe anxiety, depression, and bipolar disorder. His symptoms resulted in an inability to keep up with the extremely demanding mental demands of his job. Prudential reviewed his claim for approximately five months before denying benefits, claiming that he wasn’t continuously disabled during the elimination period in the policy. The man was confused because he had been consistently treating with a therapist and psychiatrist who adamantly stated he should remain out of work.
The man hired Fields Disability to fight Prudential’s wrongful denial. Our attorneys first ordered updated medical records from the man’s therapist and psychiatrist. Then, we requested written comments from the man’s treating providers regarding his conditions.
Our attorneys used that information to secure a favorable vocational report that concluded the man was unable to work at his former job. After Fields Disability submitted the appeal, Prudential reinstated benefits well before the end of the 45 day review period. The man received a substantial backpay check and was able to begin training for a low-stress future career.”
3106, fl
“An Emergency Room Nurse was forced to retire due to problems with her vision, so she applied for Short Term Disability benefits. Unfortunately, the insurer denied her claim because they determined that her medical conditions were not severe enough to constitute a disability. In response, she contacted the experts at Fields Disability for assistance.
Our team assessed our client’s medical history and determined that Sedgwick was wrong to deny the claim. We then began collecting evidence of our client’s disabilities for use in an appeal to the insurer. Medical records detailing the severity of her condition were gathered, in addition to written testimonies from our client’s treating medical providers. Our attorneys drafted a memorandum in support of her claim, emphasizing the strengths of her case, and, coupled with the strong advocacy and persuasiveness of our attorneys, forced Sedgwick to reverse its decision. Our client received back pay for her entire Short Term Disability period, which had run its course during the appeals process.”
3125, fl
“An integrated solutions manager from Florida became disabled when her anxiety disorder, major depression, ADHD, and chronic pain rendered her unable to work. She applied for Long Term Disability benefits but was denied benefits. The insurance company determined that she was capable of working full-time in her regular occupation. That’s when she contacted Fields Disability for help.
The attorneys at Fields Disability reviewed Sedgwick’s claim file in depth and gathered doctor’s records and reports to strengthen the appeal. In response to this new evidence, they overturned their prior determination and approved her claim, resulting a lump-sum payment and ongoing benefits to the client.”
2596, fl
“A Florida Mechanic experienced chronic pain after having knee replacement surgery on both knees. His work required moving, stooping, and lifting, and his condition eventually became too severe for him to continue work. He was initially approved for long-term disability benefits through Lincoln Financial. Suddenly, after receiving more than five years of monthly benefits, Lincoln Financial sent him a letter indicating he no longer met their definition of disabled and monthly benefits would stop.
Shocked at the sudden loss of income, he contacted Fields Disability for help. The attorneys at Fields Disability contacted our client’s treating physicians, and ordered an independent vocational report to illustrate the serious nature of our client’s condition. Fields Disability submitted a strong appeal to Lincoln Financial and kept our client updated every step of the way. Ultimately, Lincoln Financial overturned their original decision. Our client received a lump-sum benefit for back-pay and had his monthly benefits reinstated. Our client was overjoyed that his monthly income was restored.”
2581, fl
“A Licensed Clinical Social Worker from Florida began suffering from unexplained anaphylactic reactions while at work. The reactions increased in intensity over time. Luckily the woman already worked in a hospital, so she could receive appropriate care when she suffered an attack. However, the reactions eventually became too severe, and she was forced to leave work. She applied for long-term disability benefits from her policy’s carrier, but was denied. The insurer claimed that despite her reactions, she could continue to work in a hospital environment.
Upon receiving her denial letter, the woman went for help. She retained the lawyers at Fields Disability. Our team of attorneys began coordinating with her physicians to secure letters of support while she pursued specialized testing. Our attorneys built up an appeal to the insurer’s decision, including diagnostic testing showing that our client’s reactions may have been caused by common cleaning chemicals, thereby eliminating the potential that she could return to work in most environments. Faced with the insurmountable evidence that their prior determination was incorrect, the insurer soon overturned the decision, issued back benefits, and reinstated future benefits. Our client was very happy with the outcome and is now able to focus on the treatment of her rare condition.”
2569, fl
“A 49-year-old individual worked as an In-House Sales Executive before becoming disabled due to conditions relating to her knee. Our client was accepted for short-term disability, which she exhausted and proceeded to apply for long-term disability benefits, which was denied by Unum after her application. Unum denied our client’s long-term disability application for benefits because it claimed she did not meet the Definition of Disabled.
Upset by the sudden loss of income, she contacted the attorneys at Fields Disability to appeal Unum’s denial of long-term disability benefits. The Fields attorneys compiled all her medical records, obtained favorable reports from her treating doctors, and submitted a comprehensive appeal. Unum, after only a few weeks, made a decision to overturn its prior denial of benefits and retroactively paid back our client’s outstanding disability benefits. Our client was astonished at the quick results from the attorneys at Fields Disability and was excited about the outcome.”
2381, fl
“A 61-year-old man working as a Sales Manager was forced to cease work due to complications with coronary heart disease and atrial fibrillation. He applied for short-term disability benefits through Prudential. Even though he had been paying premiums for short and long-term disability benefits, when he applied for short-term disability benefits, Prudential claimed that he never actually obtained coverage because there was one form he failed to fill out at the time he applied for the insurance. This left the man very confused. He followed all of the instructions he got from his employer when he applied for the insurance coverage. He turned to Fields Disability for help.
Fields Disability wrote a strong appeal on behalf of our client, arguing that Prudential was precluded from claiming he never had coverage when they took premiums from his checks. Fields also reached out to our client’s employer for information about how the employees applied for coverage. Through those conversations, we learned that many of employees from that particular company were paying premiums for coverage that Prudential asserted didn’t exist. Based on our appeal, Prudential remedied the coverage issue. Furthermore, we proved that our client was unable to work in his occupation due to his heart complications and Prudential paid back pay to our client.”
2380, fl
“A Florida customer service representative and cancer survivor had chronic swelling in her legs. Doctors could not pinpoint a diagnosis. The swelling caused pain and discomfort which exacerbated back pain from an old surgery. Her conditions became too severe and she was forced to stop working. Liberty Mutual provided short-term disability benefits, but only for about six weeks. After her short-term disability benefits were exhausted, she was still unable to return to work and was fired by her employer. Then Liberty Mutual denied her application for long-term disability.
Anxious that she was quickly running out of money and options, she called Fields Disability to help with filing an appeal with Liberty Mutual. The attorneys at Fields provided our client with a single point of contact throughout the appeal process and coordinated with her medical providers to compile the best appeal possible. After gathering additional records and reviewing the claim record from Liberty Mutual, our attorneys filed a strong appeal. Liberty Mutual ultimately overturned their prior decision, and granted our client back-pay and ongoing long-term disability benefits. Our client was relieved that her period of financial instability was over and overjoyed with the result.”
2379, fl
“A man from Florida suffered from several different conditions that prevented him from working in his occupation as an installation technician. His claim for short-term disability benefits was initially approved, however the claim was later denied. His short-term disability insurer claimed that he had the functional capacity to perform his occupation.
Not knowing what he was supposed to do, he found the attorneys at Fields Disability. His attorney at Fields reviewed all of the records the insurance company had and began getting updated medical records. He also sent the client in for a functional capacity evaluation. On appeal, the insurance company reversed their decision and reinstated the payment of benefits. The client felt an incredible sense of relief knowing that he had an income on which to support himself and his family.”
2378, fl
“A Field Service Technician from Florida began developing severe bilateral claudication and bilateral non-diabetic neuropathy in his legs. No longer able to work all day on his feet, he was forced to leave work as a result. He applied for both short and long-term disability benefits from his insurance carrier. Unfortunately, the insurance company denied his claim. In their denial letter, they repeatedly cited the opinion of a doctor who the man had only seen once.
He knew he needed help appealing the insurer’s decision and retained Fields Disability. The Fields attorneys quickly outlined the weaknesses in the insurer’s denial letter and began crafting pointed arguments to counter their assertions. The Fields team also secured a supportive narrative and functional capacity evaluation from our client’s treating physicians. Fields Disability then submitted the appeal well before the insurer’s deadline. After sending it to their internal review department, the insurance company soon overturned their prior decision and approved both short and long-term benefits. Our client soon got two checks for his back-benefits, and the insurer began paying out future long-term benefits.”
1725, fl
“A marketing supervisor from Florida suffered from mitral valve disease, paroxysmal atrial fibrillation, hypothyroidism, hypertension, anemia, GERD, thyroid cancer, endocarditis, brain tumor, and Hodgkin’s lymphoma. Her doctors took her off work and she began receiving Long Term Disability benefits through her employer’s plan. After the definition of disability changed under her policy, Reliance Standard discontinued her benefits, claiming she could perform various other occupations, despite her disabling conditions.
Concerned, she turned to Fields Disability for help. The Fields attorneys worked with our client to build an appeal establishing Reliance Standard failed to consider all of the relevant evidence, failed to properly consider the favorable Social Security Disability award, and failed to establish our client was capable of performing these additional occupations. After receiving our appeal, Reliance Standard reversed its denial, paid our client her backpay, and commenced payment of her monthly benefits.”
1634, fl
“An occupational therapist from Florida was diagnosed with lymphocytic colitis. The disease resulted in urinary and fecal incontinence, diffuse joint pain, and severe fatigue. She was no longer able to perform her job as an occupational therapist. Her long-term disability insurer paid her benefits agreeing she was disabled from her Own Occupation. However, when the definition of disability changed to Any Occupation , Guardian denied the claim asserting that she had the functional capacity perform sedentary work.
The woman decided to hire Fields Disability. Her attorney collected substantial evidence from her medical providers showing she was unable to work in any capacity. Guardian performed a review and agreed the woman continued to be disabled from Any Occupation. The client was thrilled with the outcome and was able to pay off the debts she had amassed while her benefits were cut off.”
1587, fl
“A compliance analyst had to stop work when she was diagnosed with breast cancer. She applied for long-term disability benefits and was approved. After receiving weekly radiation treatments and undergoing a lumpectomy, her cancer went into remission. Shortly after her radiation treatments ended, she had a car accident which severely injured her shoulder. The insurance company denied benefits saying that she no longer fit their definition of disabled. She applied the decision but the denial stood.
The woman could not use her right arm at all and was worried about her lost income. She called Fields Disability for assistance. Our attorneys combed through the medical records and the insurance company’s file. Our team called our client’s physicians and obtained updated reports. Fields Disability submitted a second appeal for our client, but the insurance company didn’t budge.
Our attorneys filed a lawsuit in federal court. During preparation for a hearing, Fields attorneys negotiated a generous lump-sum settlement. Our client was overjoyed to be through fighting her insurer and was grateful for the professional advocacy from Fields Disability.”
1614, fl
“An Aerospace Technician injured his back and shoulder at work when he dropped a piece of heavy equipment. He applied for short-term disability benefits and was approved, but when the insurance company switched over to long-term benefits he was denied. He successfully appealed, but was skeptical of his insurer moving forward.
A few years later, his insurance company denied ongoing benefits based on a review of the file. He immediately called Fields Disability for help. We gathered medical records from all of our client’s providers, and ordered supportive narrative reports from our client’s most supportive doctors. Our attorneys filed an appeal to the insurance company, but they upheld the denial.
Our team filed a lawsuit in federal court to fight for our client. After moving forward with litigation, our attorneys negotiated a lump-sum settlement with the insurer. Our client was pleased to be done fighting his insurer, and was happy with the professional advocacy the Fields Disability team provided at every step of the way.”
1572, fl
“A teller at a bank came to us after the insurance company denied her disability benefits. She was distressed because she suffered from advanced degenerative disc disease, cervical radiculopathy, fibromyalgia, and chronic pain and simply could not do her job. She was dealing with ongoing pain in her back, arms and legs that diminished her quality of life and made it impossible for her stand for long hours at work. The insurance company claimed that there was not enough evidence to support her disability and denied her.
The woman called Fields Disability to represent her in appealing the insurance company’s denial. We worked with her doctors to obtain objective evidence of the impairments that make her unable to perform her own occupation. The doctor provided us with information concerning our client’s functional restrictions and limitations, which allowed us to directly attack the insurance company’s assertion that was able to do her job.
After thorough analysis of the law and our client’s case, we drafted an appeal that exposed the insurance company’s improper and deficient review of our client’s limitations. Our appeal was successful and our client now receives the benefits to which she is entitled. She was very relieved that our team was able to fight the insurance company to pay her benefits without having to file a lawsuit.”
1722, fl
“An insurance claims adjuster from Florida with Degenerative Disc Disorder and Severe Carpal Tunnel was forced to stop working due to her conditions. She applied for Long Term Disability benefits and was denied, stating that despite being only able to occasionally lift 3 pounds, she was able to work. She appealed the decision and was denied again, despite pointing out that she was receiving social security disability benefits.
Upset by the decision, she contacted Fields Disability for help. our attorneys reviewed the case file and determined their analysis of the independent evaluation was faulty. We promptly filed a federal lawsuit against the insurer to fight for our client’s rights. During preparations for trial, our attorneys negotiated a lump-sum settlement with the insurance company, which our client accepted. ”
2727, ga
“A dietary clerk from Georgia suffered from chronic back pain and loss of motor skills due to a back surgery and MS. She experienced constant pain and discomfort so severe that work became impossible. She was approved for long term disability benefits through her insurance company at work and received benefits for about two years. Suddenly, the insurance company said she would no longer receive monthly benefits because she no longer met their definition of disabled.
Worried about her income and still suffering from chronic conditions, she called Fields Disability for help. Our responsive support staff walked her through every step of the process as they gathered all our client’s medical records. Fields attorneys compiled the records and presented them with strong legal arguments to the insurance company to appeal the denial of benefits. The insurance company changed its mind and our client received a lump-sum check for back-pay and now receives monthly benefits again. She is overjoyed to have her income restored and is pleased with the diligence of the Fields Disability team.”
2720, ga
“Our client came to the Fields Disability Team following his first appeal denial of long term disability benefits. He was frustrated with the process and what his insurance company was telling him. Our client suffered from severe dizziness and cognitive impairments that prevented him from doing his work on construction sites. Because the insurance company found no objective or quantifiable testing that documented support for significant, ongoing, physical functional impairment in his initial appeal, it denied long term benefits. Our client could not figure out why the insurance company could not see his apparent disability.
After reaching out to our team, our attorneys sifted through the client’s medical records to find evidence supporting his disability. In the client’s second appeal, our attorney pointed to medical notes that documented exam findings positive for severe dizziness, balance deficits, fatigue, constant tinnitus, and cognitive deficits. There were even doctor recommendations that he not drive for more than 30 minutes at a time and that it was not safe for the client to be around construction sites, which is an essential part of his occupation. After revealing all of this evidence to the insurance company, they had no choice but to approve benefits on appeal. Our client was very grateful for the work that Fields Disability put into his case.”
2719, ga
“Our client was the Human Resources Director for a power tool manufacturing plant in Georgia. Due to severe diabetic complications, he needed to undergo a right foot amputation. He left work following the surgery and was paid short term disability benefits. However, New York Life denied his claim for long term disability when the short term benefits ended. Our client searched for help online and found Fields Disability to assist him in appealing the wrongful denial.
Our attorneys gathered medical evidence supporting our client’s inability to perform his past work in a plant setting, which required him to walk the grounds and observe day-to-day operations. After review of the appeal, the insurer agreed our client was unable to perform his own occupation and paid all outstanding back benefits. Our client was eventually able to return to work in a sedentary capacity, and our attorneys assisted him in claiming ongoing partial disability benefits. “
2621, ga
“An Inside Sales Manager from Georgia gradually developed a mysterious and poorly diagnosed respiratory illness. Unable to continue working, he applied for long-term disability benefits from his insurer. Unfortunately, he was denied on his application. Needing help to appeal the insurer’s decision, he signed up with Fields Disability.
The team of Fields attorneys got to work on his appeal, requesting updated medical records form his providers and writing to his physicians, asking for their support. The Fields attorneys then drafted a strong appeal, arguing the insurer’s denial was not supported by the medical evidence and that they failed to accurately understand his conditions. The insurer took the appeal under consideration and soon returned a decision. They approved the Fields team’s arguments, overturning their prior denial. Our client soon got a check in the mail for his back benefits and ongoing benefits were reinstated.”
2495, ga
“A 50 year old County Tax Appraiser became disabled after a diagnosis of permanent spinal stenosis. Because she loved her job, she continued to do her work for several months, without complaint, but when it became too painful she had no choice but to apply for long term disability. Despite her debilitating condition and the clear evidence supporting the same, the disability carrier denied her claiming she could still able to perform the work of a tax appraiser. It was clear the disability carrier did not understand the physically challenging nature of such an occupation. Her job demanded she travel out into the field to visually and physically examine machinery and other objects, which necessitated walking long distances, climbing, kneeling, reaching, lifting and standing for lengthy periods of time.
She hired Fields Disability and our attorneys reached out to the medical providers and obtained records and reports, clearly demonstrating that this client could not meet the specific demands of her occupation due to her spinal stenosis. A lawsuit was filed which resulted in a settlement of a significant sum of money to this client, which enabled her to continue with her treatment, pay her bills and meet her overall financial needs for her and her family.”
2445, ga
“An Advisory and Assurance Specialist from Georgia had struggled with depression and anxiety for many years, but was able to carry on a successful career despite her conditions. However, she was forced to give up her administrative position after developing an autoimmune disease, cognitive impairments, persistent migraines, chronic fatigue, and fibromyalgia. She was initially granted long-term disability benefits by her insurer Aetna. However, after just half a month, Aetna cut off her income. Aetna claimed there wasn’t enough evidence to prove she couldn’t work, and that her medical records failed to demonstrate sufficient limitations.
The woman contacted Fields Disability, and was able to discuss her case with our attorneys right away. The Fields team began building her appeal, and gathered supporting documentation from her treating physicians. We argued that the weight of medical evidence supported restrictions for our client, and accused Aetna of failing to specify the information necessary for a valid claim denial. The appeal was a success, and Aetna agreed that the medical evidence we put together supported full occupational impairment in any category of physical demand. Our client’s long-term disability benefits were soon reinstated, and she was relieved to be financially secure.”
2438, ga
“A Director of Environmental Services became disabled after undergoing a failed lumbar fusion surgery. The back pain made the man’s daily life miserable. His symptoms kept him from focusing at work and made him change positions continuously. Guardian paid the man short and long term benefits for about two years. Unfortunately, the man was denied benefits when Guardian determined he could return to work at his own occupation.
The man hired Fields Disability to fight Guardian’s wrongful denial. Our attorneys secured disability paperwork from the man’s treating doctors. The appeal was submitted to Guardian along with legal arguments regarding the man’s ability to maintain a full-time work schedule. Guardian sent our client to an Independent Medical Examination where the examiner concluded the man would be able to perform the duties of his own job. Our attorneys forwarded the results of the IME to our client’s treating doctor for comment. The treating provider disagreed with the so-called independent doctors opinions, and Guardian had no choice but to reinstate our client’s benefits.”
2426, ga
“Our client worked as a Customer Service Representative for years until she developed fibromyalgia that was exacerbated by her various mental health issues. She left work and submitted a claim to her disability carrier, who denied benefits after a cursory review.
The insurer claimed our client was capable of performing her fast-paced job and mentally taxing job. She searched for help online and founds Fields Disability to represent her. Our attorneys strengthened our client’s case by securing medical reports from her doctors outlining specific restrictions the woman had that were fundamentally incompatible with her work. The medical information resulted in a favorable appeal and our client was happy to receive all outstanding benefits.”
2382, ga
“Our client was a 58 year old teacher from Georgia, who left work after developing a number of conditions that made performance of her day to day duties impossible. After leaving work, she applied for and received long-term disability benefits from The Hartford. After being on claim for about 5 years, The Hartford denied her claim without warning. The Hartford had hired a medical doctor to review her claim. Although he had never examined our client, the medical doctor stated she would be able to perform desk work on a full-time basis.
Unsure how to deal with the denial, our client found Fields Disability after doing an internet search. Our attorneys gathered medical evidence and support to challenge The Hartford’s wrongful decision. The appeal was submitted with legal and factual arguments about our client’s case. After a brief review, The Hartford reinstated her claim and paid all past due benefits.”
1735, ga
“A pilot from Georgia had back surgery, but never fully recovered. He had ongoing back and neck pain that made sitting for long periods of time painful. His symptoms caused him to stop working. He received long-term disability benefits through his employer’s insurance plan for about a year and a half, but then the insurance company stopped paying because he no longer fit their definition of disabled. The pilot appealed the decision to no avail.
Still unable to work, he called Fields Disability for help. The attorneys at Fields Disability reviewed the claim denial and found that our client had a good case. Our support team reached out to the insurer for all of the claim documents so evidence could be gathered for a lawsuit. During preparation for the lawsuit, our attorneys negotiated a generous lump-sum settlement. Our client was pleased to receive his settlement check, and was happy with how Fields Disability quickly resolved his disability claim.”
1678, ga
“An IT Analyst from Georgia had severe back pain which exacerbated her anxiety. Her job added to her daily stress and ultimately her combination of symptoms forced her to stop work. She battled with her insurance company for short-term disability benefits before they paid her, and then was denied in her application for long-term benefits despite recommendations from doctors saying she could not work.
She called Fields Disability for help. The Fields team contacted our client’s treating doctors for medical records and handled all correspondence with the insurance company. Our attorneys discovered that the insurer ignored key records when denying benefits. We sent a strong appeal to the insurance company pointing out their errors and the insurer overturned their denial. Our client received a lump-sum for back-pay and ongoing monthly benefits! She is pleased with the professional representation Fields Disability provided, and happy to be done fighting her insurance company.”
1620, ga
“Our client was a Sales Representative from Georgia suffering from congestive heart failure, syncope, hypertension, chronic migraine, vertigo and fibromyalgia. She required daily use of multiple medications and was removed from work by her treating doctors. After paying long term disability benefits for 24 months, the insurer denied our client’s claim arguing there was other work she was capable of performing in the national economy.
Our team appealed this denial and eventually brought a lawsuit fighting for our client’s benefits. After bringing this case to a lawsuit our team was able to resolve this matter through a settlement of the claim.”
1595, ga
“A Senior Vice President for a financial services company became unable to work as a result of his bipolar disorder. As he was initially placed in inpatient treatment, the insurance company did pay his benefits after he first applied. Due to his large monthly benefit amount, the insurance company attempted to terminate his benefits after having him meet with their own neuropsychological evaluator. The evaluator’s report did not directly contradict his treating doctors’ recommendations, but the insurance company discontinued benefits anyway. The Senior Vice President also suffers from severe back pain as a result of a motor vehicle accident, which contributes to his ongoing disability.
After the insurance company ignored his treating physicians’ opinions and terminated benefits, he contacted Fields Disability for help with an appeal. The attorneys at Fields Disability worked with all of his treating physicians to formulate an appeal with all of his medical records as well as narrative reports from each treating physician.
To help the insurance company better understand the disability, Fields Disability also engaged an independent expert for a more detailed explanation of bipolar disorder. The insurance company could no longer ignore the wealth of information in front of them as a result of the appeal submitted by Fields Disability, and they overturned their previous denial of benefits.”
1631, ga
“A teacher from Georgia had complications from back surgeries and arthritis that prevented her from working. She received long-term disability benefits in 2011 from her insurer, Guardian, which she used to pay for in-home care three times a week. After five years of receiving benefits, and without any medical review, Guardian sent a letter explaining she was no longer eligible to receive disability benefits.
Overwhelmed and frightened that she would no longer be able to pay for the care she needed, the teacher contacted Fields Disability to help file a strong appeal against Guardian Insurance. Our attorneys obtained records from multiple doctors and care providers to create a strong medical narrative, and build the best case for our client.
The attorneys successfully argued that benefits should never have been denied, and the appeal administrator awarded back-pay and continued benefits for our client. Our client was pleased with the single point of contact she had at Fields Disability, and was relieved to be able to afford the treatment she needs.”
3130, hi
“A sales consultant from Hawaii suffered from a heart attack and had to go out of work for cardiac rehabilitation. She was approved for Short Term Disability benefits but was denied Long Term Disability benefits because her insurer claimed she had received enough rehabilitation to work her desk job. She was still in no shape to work, so she reached out to Fields Disability.
Our client eventually recovered, but she still needed to receive back pay for her time spent in recovery. Our team gathered support from our client’s doctor that stated she was not yet ready to go back to work during that period. Our attorneys negotiated a deal for our client, getting her what she was owed when she was unable to work.”
3134, hi
“A heavy equipment mechanic from Hawaii suffered from back pain that was too severe to perform the heavy lifting his job required. He initially received disability benefits, but his insurer denied his Long Term Disability benefits, stating his condition did not prevent him from doing any heavy lifting. Then, he reached out to Fields Disability.
Our team assisted our client with a federal lawsuit against the insurance company. Our attorneys argued the medical evidence supported a complete inability to work at all, not just their own occupation. While preparing to present the case to the district court judge, our attorneys worked closely with our client to reach a favorable settlement agreement with the insurance company.”
3137, hi
“An automotive service manager from Hawaii with bilateral carpal tunnel syndrome had been receiving Long Term Disability benefits through his employer. After six years, his insurer informed him that his benefits were being terminated. At this point, he decided hiring an attorney was necessary and reached out to Fields Disability.
Once retained, our attorneys acquired medical records, functional capacity evaluations, and reports from our client’s treating doctors and submitted an appeal, but the insurer did not change their decision. In response, the Fields attorneys filed a lawsuit against the insurance company. After several rounds of negotiations, we were able to get the insurance company to pay a sizeable lump sum settlement to our client.”
3142, hi
“A field supervisor suffered a stroke that left him with severe neurological deficits. He left work and was approved for Long Term Disability benefits through Reliance Standard Insurance. After suffering a separate injury while surfing, the insurance company terminated his benefits, stating that if he could surf, he could work. Turning to the internet, he found Fields Disability.
Our attorneys worked on updating medical evidence from our client’s treating providers and coordinated closely with his treating neurologist to support the claim. The medical evidence was sent in along with legal arguments about our client’s case. Reliance reviewed the appeal for just over a month then approved our client’s benefits.”
3145, hi
“A marine operations manager from Hawaii suffered from schizophrenia, bipolar disorder, and alcohol use disorder. He received Long Term Disability through MetLife Disability Insurance benefits due to being unable to do his job duties. After two years, the insurer terminated the benefits. He learned this was because they would not cover his conditions for more than 24 months. Feeling that this was wrong, he went to Fields Disability for help.
Once retained, the attorneys at Fields Disability acquired our client’s Long Term Disability policy and realized schizophrenia was not a mental health condition that was limited to 24-months of Long Term Disability benefits. Our team acquired medical records, functional capacity evaluations, and reports from our client’s treating doctors that showed our client had a diagnosis of schizophrenia. Once equipped with everything they needed, the attorneys at Fields Disability submitted an appeal. Faced with this new evidence, the insurer overturned their prior decision. MetLife issued payment for all the months it previously withheld Long Term Disability benefits and continued to pay benefits going forward.”
1752, hi
“Our client had worked as a Dispatcher at Disney World Services before becoming disabled and unable to work in 2017. Our client was approved for and received short-term disability benefits, which ran from his date of disability, through its exhaustion.
After the expiration of his short-term benefits, our client became eligible for long-term disability benefits from his policy’s carrier, Hartford Life and Accident Insurance Company. He applied for long-term disability benefits, but his application was denied by The Hartford. The Hartford denied our client’s long-term benefits because it determined he did not meet the Definition of Disability and the medical information it had did not support an inability to perform his Own Occupation.
Our client was removed from work on the advice of his treating providers, as his conditions were debilitating enough to prevent him from being able to perform the essential duties of his Own Occupation, as defined in The Hartford’s policy.
Upset at his sudden loss of income, he called Fields Disability for help appealing The Hartford’s decision. The attorneys at Fields Disability contacted our client’s doctors to compile reports of all of his symptoms and treatments. The attorneys pulled together and submitted a comprehensive appeal. After a short period of time, The Hartford decided to overturn its previous denial of benefits, and retroactively paid our client back all his long-term disability benefits immediately.”
1766, hi
“A young woman from Hawaii suffered from a seizure disorder which caused her to experience multiple seizures daily. Not surprisingly, she was unable to perform her job as a cashier at Costco. Her long-term disability insurer initially accepted the claim, however they later denied her claim for benefits. The insurer alleged that the seizures were a symptom of a mental disorder, not a physical condition, despite medical evidence indicating there was an electrical abnormality in her brain. Therefore, she had reached the maximum period for mental health disorders under her policy.
Scared and unsure of what to do, she reached out to Fields Disability. Her attorney at Fields went right to work reviewing the entire file from the insurance company and creating a plan. Soon after, he filed a lawsuit in federal court. Leveraging his knowledge of the file and law, her attorney was able to negotiate a settlement with the insurance company which she was very happy with.”
2478, id
“Our client worked as a phlebotomist, drawing and testing blood in a demanding and stressful setting. One day, while drawing blood, the woman collapsed in front of a patient. She later found out she was suffering from a rare condition affecting blood flow to the kidneys resulting in kidney failure. She underwent several surgeries, including a kidney transplant. However, against the great weight of the evidence, the insurer determined that our client was able to perform her own occupation. Our attorneys filed suit in federal court arguing the our client was entitled to benefits. During a court-ordered mediation, we successfully negotiated a favorable settlement for our client using the insurers oversights as leverage.”
2468, id
“A Customer Assistance Representative from Idaho Falls, Idaho suffered from arthritis and back pain and then was in a serious car accident. Her condition had been manageable, but the accident made returning to work impossible because she could not stay in any one position for long enough to return to her desk job. She applied for long-term disability benefits through her employee insurance plan and received benefits for a few months but stopped paying because she allegedly no longer fit their definition of disability.
Angry at the insurer, and worried for her lost income, she called Fields Disability for help. Our team obtained the claim file from the insurance company and gathered updated medical records and expert reports. Fields attorneys sent a strong appeal to the insurance company, but the decision remained unchanged. During preparation for a lawsuit, our attorneys negotiated a generous lump-sum settlement. Our client was overjoyed with the settlement check and is happy to be done fighting her insurance company.”
2411, id
“Our client worked as a department manager for a large retailer. However, she developed a rare condition called erythromelalgia, which affected the circulation to her hands and feet. She also had compression fractures in her back. Eventually, the pain and her functional limitations forced her to cease working. She applied for long-term disability benefits but was denied on application. The insurer claimed there was not enough medical documentation to support a consistent inability to work.
After a quick internet search, our client found Fields Disability and signed us up to represent her. Our attorneys mapped out the appeal process for her, and gave her an accurate picture of what to expect from day one. The Fields team then got to work building her case. They acquired updated medical records, a functional capacity assessment, and secured letters of support from her physician specialist. They then crafted a lengthy appeal, attacking or addressing all of the insurer’s claims in their denial letter. The Fields team submitted the appeal to the insurer. Upon review, the insurer overturned their prior denial decision, instating long-term benefits and issuing a check for the backpay owed to our client.”
1578, id
“A mortgage processor from Idaho started taking medication for severe hip and back pain, which made her hands and feet numb as a side effect. Consequently she was unable to work her job. She applied for Long Term Disability benefits, but her insurer denied the claim because she didn’t fit their definition of disabled.
She called Fields Disability to help overturn the insurance company’s decision. The attorneys at Fields Disability kept our client updated throughout the whole process. Our team obtained medical records from all of our client’s treating doctors and sent the insurance company an appeal, arguing that our client could not work because of her conditions. The Insurer did not agree, and Fields Disability attorneys filed a federal lawsuit to fight for our client. During preparations for trial, our attorneys negotiated a generous settlement.”
1690, id
“A woman who worked as an mortgage servicer at a financial service firm in Idaho suffered from severe kidney disease that severely limited her ability to work full-time. Her long-term disability carrier was extremely skeptical of her claim, requesting that she attend a functional capacity evaluation. Based on the results of the evaluation, the insurance company denied long-term disability benefits. They claimed that the medical information available did not provide a basis for an inability to work. She appealed on her own, but the insurance company did not reverse their decision.
The woman hired Fields Disability to sue the insurance company. After reviewing the file from the insurance company, her attorney planned a strategy to fight the decision in court. After the suit was filed, the attorney went to work negotiating a settlement based on several critical errors in the insurer’s review of the claim. The insurer agreed to pay a substantial settlement to the woman. She was thrilled with the final result.”
1674, id
“A man from Idaho, who was nearing the end of his career, discovered he had developed lymphatic leukemia. He immediately sought treatment, and underwent several rounds of chemotherapy. However, as can happen in rare cases of chemo treatment, he developed a condition called Chemo Brain.
Chemo Brain is essentially brain damage caused by the harsh chemicals required for chemo. He saw a 30 point drop in his IQ over just a few months. Since his job required high level executive functioning, which he no longer had, he was soon forced out of work and applied for long-term disability benefits.
Despite several lengthy reports and a neurocognitive assessment, the insurer denied his claim for benefits. He sought help to appeal the insurers decision, and began looking for the top disability law firm in the country. He found Fields Disability and our team of attorneys got to work on his case and filed a subsequent appeal with updated medical documentation and another letter of support from his neuropsychologist. However, the insurer stood firm in their denial. After consulting with his lead attorney, our client decided to pursue the lawsuit option.
The Fields team then filed a federal lawsuit against the insurer in District court, and the insurer soon reached out to begin negotiations. The Fields team negotiated a sizable settlement and our client was able to receive a lump sum check soon afterward.”
1726, id
“Our client worked as a Layout Designer in Idaho. He suffered from severe depression, Bipolar disorder, anxiety, panic attacks, and chronic migraines. As his conditions worsened he was taken off work by his doctors and began receiving long-term disability benefits. Our client’s claim was administered by the Matrix Absence Management Company on behalf of Reliance Standard.
Unfortunately, after only two months of payments, Reliance Standard cut off his disability benefits. Reliance Standard relied upon two statements within our client’s medical records stating he felt a bit better combined with its own medical record review asserting our client could still work full-time to deny benefits. This occurred even though our client required ongoing and continuing hospitalizations and treatments for his conditions.
Our client immediately contacted Fields Disability for help fighting this decision. His attorney and the team at Fields Disability built the evidence necessary to win this appeal and respond to all of Reliance Standard’s errors. We documented the numerous points where Reliance Standard ignored, misstated, and selectively cited relevant evidence to its benefit and our client’s detriment. We reached out to our client’s numerous doctors to show their support in the form of narrative reports. After reviewing our appeal Reliance Standard reversed its decision, paid our client his back pay, and recommenced monthly benefit payments.”
1689, id
“An IT Director began having severe migraines which started periodically, but then increased to where the pain was nearly constant. His job required looking at computer screens all day and examining detailed data usage reports. No treatments were working. Eventually his symptoms became too severe and he was forced to stop work.
He applied for long-term disability benefits through his employer’s insurance company, but the insurer denied benefits, saying that there was no objective record of his condition.
Worried that the insurance company wasn’t considering all of his doctor’s records, he contacted Fields Disability for help. Our attorneys gathered all of our client’s medical records and had one doctor write a strong summary of our client’s condition. With the evidence strengthened, our attorneys sent an appeal to the insurer.
The insurance company did not change their mind, so our attorneys filed a law suit in federal court to fight for our client’s benefits. During preparations for trial, our attorneys negotiated a generous lump-sum settlement. Our client was thrilled to be done fighting the insurance company, and happy to use the settlement check to move on with his treatment.”
2734, il
“Due to chronic heart disease and cardiovascular issues, a mechanical support technician from Illinois was forced to stop working. He applied for long term disability benefits through his employee benefits program and was approved. He received monthly benefits for almost five years, but then the insurance company suddenly stopped paying. The insurer said they found jobs that he could perform, so he no longer fit their definition of disabled.
He called Fields Disability for help and our team immediately gathered medical records from all of his doctors. Our attorneys reviewed the claim file for any evidence that the insurance company missed. When the evidence was strengthened, we submitted an appeal to the insurance company on behalf of our client. The insurer overturned their decision and our client received a lump-sum for backpay and is now receiving ongoing monthly benefits. He is happy to have his income restored and was pleased with the professional advocacy by Fields Disability.”
2729, il
“A Business Analyst from Illinois was diagnosed with kidney disease. He was already recovering from heart failure and had a list of complicating conditions that caused dizziness, fainting, and chest pain. The kidney failure was the last straw. He was forced to stop working and applied for long term disability benefits. He received monthly benefits from his insurance company through work for about a year. After a year, the insurer stopped paying because they said he could return to work.
He was angry at the insurance company for ignoring his condition, and worried about his lost income. He called Fields Disability for help. Our team obtained the claim file from the insurance company and found that the insurer overlooked key records from our client’s treating providers. Fields attorneys drafted a strong appeal to the insurance company based on hundreds of pages of updated evidence. The insurance company changed their mind and our client received a lump-sum payment for back-pay and ongoing monthly benefits. He is happy to be done fighting his insurance company and pleased with the representation from Fields Disability.”
2724, il
“A young woman from Illinois had long suffered from Lupus and also suffered from renal failure. As a result, she was unable to perform her job as a Field Tech for a communications company. New York Life, her long term disability insurer, initially accepted her claim and paid benefits for nearly five years. New York Life later denied her benefits claiming that her disability was not clinically supported.
Clearly unable to work and unsure of what to do, she reached out to Fields Disability. Her attorneys at Fields began reviewing the entire file from the insurance company. After completing this review, we updated medical records and obtained statements from multiple doctors that the client had treated with. With the updated records and reports, our attorneys drafted an appeal which outlined how our client’s condition prevented her from working and that New York Life had failed to show that her condition had improved at all. The insurance company reversed its decision and reinstated the client’s monthly benefits. The client was incredibly relieved and happy to hear that she would be getting her benefits back.”
2718, il
“A Chicago man suffered injuries to his left shoulder and both wrists. Due to his condition, he was unable to continue working in his physically demanding job as a Tower Attendant for a telecommunications company. New York Life, his long term disability insurer, accepted his claim and paid benefits. New York Life later cut him off for allegedly failing to provide evidence that his disability was ongoing.
Unsure of what to do, he reached out to Fields Disability. The attorneys at Fields began by updating the client’s medical records to submit to the insurance company. In addition, we provided the insurance company with the results of a Functional Capacity Evaluation that the client had under gone which showed he was disabled. Upon review, the insurance company reversed their decision and reinstated payment of monthly benefits.”
2620, il
“An aging woman from Springfield, Illinois had been suffering from multiple sclerosis for many years. Because of her MS, she was forced to leave work, and was approved for both long-term disability benefits and a progressive income benefit by her policy’s insurer. After nearly two years on benefits, the insurance company terminated her progressive income benefit. They claimed she was capable of performing all of her Activities of Daily Living, despite none of her physicians agreeing with them. She quickly retained Fields Disability to fight for her rights.
The Fields attorneys got in contact with her physicians, but despite their disagreement with the insurer, none of them were willing to get involved in the disability process. Our attorneys coordinated with our client to establish care with new doctors who were likewise willing to fight for our client’s benefits. The Fields attorneys got the letters of support from the new doctors and put together an appeal of the insurer’s denial decision. The insurance company considered the appeal and conducted numerous peer review analyses of our client’s case. However, each time the insurance company sent the Fields team a biased report, based on information provided by their own in-house doctors. The Fields attorneys were able to coordinate with our client’s new care team and counter the assertions. Faced with no other option, the insurance company was forced to eventually approve the Fields Disability appeal and reinstate our client’s benefits.”
2441, il
“A warehouse worker from Illinois began having wrist pain. His job required lifting boxes and merchandise in a retail warehouse. He regularly lifted up to 50 pounds at work. Eventually, the pain in his wrist became too much and he was forced to stop work. He applied for long-term disability benefits through Aetna and was denied. The insurance company said he could return to work, despite the torn ligaments in his wrist.
Shocked that he was denied, he contacted Fields Disability for help with an appeal. Our attorneys obtained all of the documentation from Aetna and our client’s treating physicians. They scoured the documentation and found that Aetna dismissed key medical records and never ordered an independent medical review for our client. Fields attorneys submitted a strong appeal and ultimately Aetna overturned the denial and reinstated benefits and our client received a lump-sum check for back pay and is excited to be able to cover his medical bills while he returns to work.”
2440, il
“Prior to her disabilities of low back, hip and shoulder pain, and fibromyalgia, our client worked as a Jewel Scan Coordinator, which was a job she thoroughly enjoyed. She was approved for, and received, short-term disability benefits through the maximum period of time allowed. She then applied for long-term disability benefits due to her continuing disabling conditions. However, by the means of an impersonal letter, The Standard denied her claim for long-term disability benefits alleging that her medical documentation did not contain limitations and restrictions of such a severity to prevent her from performing the material duties of a Jewel Scan Coordinator.
Justifiably upset with this determination, she contacted Fields Disability to assist her in appealing this unfavorable decision. The Fields team was able to coordinate and compile all her medical records, written comments, documents, and other records that supported her disability claim., The Fields attorneys submitted her appeal demanding that The Standard fulfill its fiduciary duty and perform a full and fair review as mandated under federal law, which should lead The Standard to commencing payment of benefits, given the ample evidence Fields Law Firm was able to submit that showed she was disabled as defined under the long-term disability policy. After a very brief review, The Standard agreed and reversed its previous denial and commenced payment of her benefits immediately.
2439, il
“A long-haul truck driver suffered from a stroke and COPD. Due to the effects of these conditions, he he was unable to safely perform his job. His long-term disability insurer, Guardian, denied his claim on the basis that he had not provided evidence of his disability.
Not knowing what he was supposed to do, he found the attorneys at Fields Disability. His attorney at Fields reviewed all of the records the insurance company had and began getting updated records to provide. He also obtained a report from her treating physician which highlighted that the client could not work. On appeal, the insurance company reversed their decision and reinstated the payment of monthly benefits. The client felt an incredible sense of relief knowing that his livelihood was once again secure.”
2424, il
“A Global Data Manager from Illinois began having severe cognitive issues. His vision waxed and waned, and his short-term memory severely declined. He received multiple diagnoses including possible Multiple Sclerosis and Guillain-Barres Syndrome. His job required managing people and data across the globe and his condition made work impossible. He stopped work and was awarded long-term disability benefits through his employee insurance plan. After two years of receiving benefits the insurer stopped paying, saying that he did not pursue social security benefits, so his claim was being denied.
Confused and worried for his livelihood, he contacted Fields Disability for help. Our team immediately contacted the insurer for all documentation related to the claim, and our attorneys began drafting an appeal based on an updated neurological report. The strong appeal from our attorneys changed the insurer’s mind and our client received back-pay and ongoing benefits. After the approval, our support team continued to follow up with the insurer until our client received all the benefits he deserved. Our client is happy to be through fighting the insurance company and is pleased with the help Fields Disability provided.”
2383, il
“An assistant manager at a retail store was experiencing serious back pain and her doctor recommended physical therapy and spinal injections to help with the pain. After numerous treatments, her symptoms had not improved. Her job required long shifts and lifting boxes of goods for retail storage and display. She could no longer work due to her painful symptoms, so she applied for long term disability benefits through Liberty Mutual. Liberty Mutual denied her claim, however their denial letter did not address her level of pain at all.
Upset that her insurer was not considering her whole condition, she called Fields Disability to assist with an appeal. Our attorneys contacted our client’s doctors to get a complete narrative of symptoms and our client’s pain levels. The attorneys at Fields Disability submitted the appeal and, thanks to the strong documentation from our client’s doctors, she was awarded back pay and continuing benefits for one year. She is relieved for the financial peace of mind, and our attorneys are working hard to obtain continuous benefits for our client moving forward.”
1736, il
“A man had previously worked as a Tractor Trailer Driver. He suffered from a history of heart disease. He eventually was forced to undergo a coronary bypass. Unfortunately, the surgery was complicated by severe sternal wound infections and required repeated hospitalizations. Because of these conditions, he remained unable work. His disability insurer initially accepted and paid the claim, however they later denied the claim.
After exhausting all potential appeals, frustrated and unable to work, he reached out to the attorneys at Fields Disability. His attorney immediately filed a lawsuit in federal court. He was then able to negotiate a settlement with the insurer that maximized the value to the client while at the same time mitigating the significant risk of moving forward with litigation.”
1597, il
“A warehouse worker was forced to leave work when he developed very severe COPD. His symptoms resulted in shortness of breath and an inability to keep up with the physical demands of his job. He applied to Cigna for long-term disability benefits, which were paid for twenty-four months.
When the definition of “Disability” in his policy changed, Cigna denied benefits. The doctor said the claimant was able to work with extremely severe work restrictions. Cigna used one of its experts to argue the man could secure employment despite his severe work restrictions.
The man quickly hired Fields Disability to appeal Cigna’s wrongful decision. The attorneys at Fields Disability reviewed all of the records Cigna generated related to the man’s claim. After discovering just how severe the work restrictions were, we contacted a vocational expert to determine if the man could work any jobs with that limitation.
The vocational expert wrote a letter describing how the severe limitations would disable the man from any occupation. The medical evidence and vocational report were attached to a legal memorandum citing federal law supporting the man’s case. Cigna reversed its decision and paid the man his benefits.”
1739, il
“Our client was a Salesman from Illinois who suffered massive, full thickness rotator cuff tears to both shoulders, and subsequently developed chronic regional pain syndrome. He attempted to return to work but this proved unsuccessful and his doctors recommended additional surgeries.
He applied for Long-Term disability benefits through his employer’s plan with Sun Life. After over a year of reviewing the claim and asking for additional information Sun Life eventually denied our client’s claim because it could not conclusively determine if our client remained covered under the policy after his failed attempt to return to work and was not convinced his conditions precluded him from performing his Own Occupation. The claim was denied mere weeks before our client went back into the hospital for yet another surgery.
Our client reached out to Fields Disability for help fighting this decision. His attorney built an appeal that conclusively established our client remained covered under the policy at all times relevant to the claim, and that due to his substantial condition it was impossible for him to perform not only his Own Occupation but also any other gainful occupation. After reviewing our appeal Sun Life finally reversed its denial, paid our client his back pay and commenced monthly payments.”
1658, il
“A nanny for a young family in Chicago began to suffer from severe anxiety and depression. Due to the effects of her anxiety, she was unable to perform her job. The long-term disability insurer denied her claim on the basis that she had not provided evidence that she was prevented from performing her job. She appealed the denial but the insurer again denied her claim.
The Fields Disability attorneys quickly filed a lawsuit in federal court. Despite a limited administrative record, her attorneys fought hard leveraging everything in the record which supported the client’s disability as well as strong negotiating tactic. The insurance company initially offered a settlement but our attorneys fought hard to make the insurance company increase their offer. They were able to reach a much more favorable settlement with the insurance company which put money in the client’s pocket she otherwise wouldn’t have had.”
1707, il
“A 51-year-old gentleman, who worked as a Global Salesperson for a large, multinational business, suffered a traumatic brain injury. His job required him to reason, analyze and articulate highly complex sales concepts too potential buyers, which despite his earnest effort, he could no longer do.
He attempted to work for several months, but when he began to slur his words and forget his most important sales pitches, he saw his doctor. Neurocognitive tests were done and demonstrated that he suffered from cognitive impairment and his doctors advised him that his condition was irreversible. Thereafter, he applied for disability benefits which, despite the clear findings of cognitive decline, the disability carrier denied.
He then hired Fields Law Disability and its staff quickly moved to obtain all records as well as supportive reports from the treating doctors. An appeal was files, and the denial was reversed in light of the substantial evidence that had been presented.”
2586, in
“An Indiana woman had worked as a Senior Solutions Architect and Project Manager for many years before she began to develop extensive gastrointestinal issues severe enough to causer her to cease working altogether. She also suffered from bilaterally torn rotator cuffs and knee and hip degeneration. She applied for long-term disability benefits from her insurance carrier, and was approved. Her benefits ran for about two years, when the insurer suddenly terminated them. The insurer claimed in their denial letter that she was capable of returning to an alternate sedentary level IT position.
The woman hired Fields Disability to fight the insurer and appeal their denial decision. The Fields team filed an appeal of the insurer’s decision, but the denial was ultimately upheld. The Fields Attorneys then filed a lawsuit in Minnesota District court against the insurer, arguing that their denial determination was inappropriate and not supported by the evidence. Faced with mounting litigation costs and a strong argument from the Fields attorneys, the parties were able to agree to a settlement of the disability claim.”
2578, in
“A Main Router at an Amazon warehouse in Indiana developed serious dysfunction in his low back and legs from working on his feet all day over the course of years. Unable to continue working his light level occupation, he left work. He applied for long-term disability benefits and was approved by the insurer. He remained on claim for two years until the change in his policy’s Definition of Disability, when the insurer terminated his benefits claiming he could return to work in an alternate occupation.
After waiting several months, he retained Fields Disability to fight the insurer. On a tight deadline, the Fields team submitted an appeal of the denial, but the insurer upheld their decision on reconsideration. The attorneys at Fields then filed a lawsuit against the insurer in federal court. Faced with mounting litigation, the insurer made a settlement offer which the Fields attorneys managed to negotiate into a favorable lump sum settlement for our client.”
2527, in
“A food production supervisor from Indiana began losing feeling in his feet and could no longer walk. His shoulder had needed surgery multiple times and was hurting again, as well. His combined symptoms made work at a food production facility impossible. He stopped work and applied for long-term disability benefits through his insurer at work. The insurance company paid him monthly benefits for two years, but stopped because he no longer fit their definition of disabled. He filed an appeal with the help of his wife but the insurer did not change its decision.
Worried about his lost income and mounting bills, he called Fields Disability for help. Our support staff obtained the entire claim file from the insurance company and Fields Attorneys determined our client had a good case for a lawsuit. We filed a lawsuit in federal court to fight for our client. During preparation for a hearing, our attorneys negotiated a generous lump-sum settlement. Our client was overjoyed with the settlement, and pleased to be done fighting with his insurance company.”
1636, in
“Our client worked as a quality control manager for many years prior to becoming disabled due to severe anxiety, depression and bipolar symptoms. After several months of mental health treatment, his doctors recommended he leave work to focus on treatment. His long-term disability insurance company fought his claim from the very beginning, claiming that the man was able to perform his job.
The man hired Fields Disability to sue the insurance company. The insurance company initially tried to settle the case against the man for a very small amount of money. After several rounds of negotiation, the insurance agreed to pay the man a large portion of the benefits he was owed throughout the life of his claim. Our client was very happy with the representation he received and glad he chose Fields Disability.”
1659, in
“A 55-year-old female who, prior to the onset of her disabilities, was an extremely healthy, hardworking Billing and Eligibility Specialist until she began experiencing disabling symptoms. She applied for long-term disability benefits through her insurer, which was denied.
Upset at her sudden loss of income, she called Fields Disability for help appealing the insurance company’s decision. The attorneys at Fields Disability contacted our client’s doctors to compile reports of all of her symptoms and treatments. The insurance company hired their own independent doctor to review the case, and denied her first appeal.
Our attorneys compiled new and updated medical records and further supportive testing to substantiate her claim, but the insurance company decided to uphold their denial of benefits for a second time. The attorneys at Fields Disability immediately filed a lawsuit against the insurer in federal court to fight for our client. During preparation for trial, Fields Disability attorneys were able to negotiate a generous lump-sum settlement for our client, who was overjoyed with the resolution of her case.”
1775, in
“Our client who was a nurse was forced to stop working due to a variety of medical conditions including COPD, pneumonia, fibromyalgia, rheumatoid arthritis, depression and anxiety.
She applied for long-term disability benefits. Unum accepted her claim and began paying benefits. However, for the first two years of benefits, the woman only had to show Unum that she was not capable of working in her job as a nurse. After the first two years of benefits, she had to show that she was not capable of returning to any gainful occupation. Unum used this “change in the definition of disability” as an opportunity to deny the woman’s ongoing benefits.
Unum discontinued her benefits and cited a listed of jobs that they felt she was capable of performing. The woman knew she did not have the physical capacity to perform any of the jobs. Moreover, she lacked the necessary education, experience, and skills.
She turned to Fields Disability for help. The attorneys at Fields Disability took a weight off the woman’s shoulders by handling the entire appeal process. We worked with our client’s doctors to refute Unum’s assertions that she could return to work in various jobs. We gathered medical records and drafted legal arguments in support of our client’s claim for benefits.
After reviewing the information that Fields Disability submitted in support of her appeal, Unum was forced to overturn their denial of benefits, paid her back pay and reinstated her disability benefits.”
1675, in
“A woman from Indiana who worked as an eligibility specialist for suffered from rheumatoid arthritis. The condition caused her to suffer from pain, inflammation, and lethargy. Unable to work, she made a claim for long-term disability benefits which her long-term disability insurer denied. They asserted that the medical evidence did not support restrictions on her ability to work.
Unable to work and not sure what to do, she reached out to Fields Disability. Her attorney at Fields went right to work and quickly filed a lawsuit in federal court. Using his knowledge of federal law and the client’s file with the insurance company, her attorney fought aggressively with the insurance company over the faults in their denial and why the client’s case was legitimate. The Fields Disability team was able to negotiate a settlement with the insurance company which provided her with the income she desperately needed.”
1676, in
“A woman from Indiana suffered from a severe and chronic back condition which caused her significant pain. The pain was so significant it required her to undergo surgery. The surgery was partially successful but also resulted in complications from leaking spinal fluid. She was unable to work as a result of her pain.
Her long-term disability insurer initially approved her claim and paid benefits for two years. They later denied the claim arguing that her condition was precluded from further benefits under the policy.
Scared and unsure of what to do, she reached out to Fields Disability. Her attorney at Fields went right to work filing a lawsuit in federal court. After filing the lawsuit, her attorney was able to negotiate a settlement with the insurance company which maximized the value to the client while at the same time mitigating the risk of a verdict in favor of the insurer. The client was very happy with the outcome and was relieved to no longer have to deal with the insurance company.”
2609, ia
“An Overdraft Report Specialist progressively developed difficulty with cognition, weakness and maintaining balance while walking and standing. Initially, she assumed the symptoms would dissipate and go way, but when they didn’t, she saw her doctor who, after a battery of tests, eventually diagnosed multiple sclerosis. As the symptoms worsened, she was left with no choice but to file a claim for long-term disability with Unum who denied her application for benefits.
Frightened at the prospect of having no income to pay her bills, she hired Fields Disability who reached out to her medical providers for supporting medical records and reports documenting her multiple sclerosis and showed the condition was very debilitating. An appeal was presented to Unum, who reversed its decision, reinstating her much needed benefits.”
2608, ia
“A 35-year old Machinist stopped working due to chronic chest wall pain. He was initially approved by the insurance carrier for short-term disability benefits, but when he applied for long-term disability benefits the insurance carrier denied his claim, indicating no benefits were to be payable because our client did not meet the policy’s Definition of Disabled. He tried to appeal this decision on his own, which the insurance carrier reviewed, but determined to uphold its previous denial of benefits. Allegedly the insurance carrier felt that the new information received within our client’s appeal did not change the insurance carrier’s opinion and they continued to deny benefits.
Upset by the insurers’ decision, he decided to contact the attorneys at Fields Disability. Once retained, the Fields attorney’s worked diligently in collecting all the most favorable records for our client and appealed the most recent adverse decision from the insurance carrier. Unfortunately, the insurance carrier decided to again deny our client’s appeal. With no more administrative appeals available, our attorneys moved forward to file a lawsuit in federal court against the insurance carrier. The parties elected to have a mediation, at which time the attorneys at Fields Disability made persuasive arguments and convinced the insurance company it was better suited to settle the case instead of litigating the case further. The client was elated and happy that a call was made to Fields Disability because he got the benefits he was entitled to from the very beginning.”
2575, ia
“A commercial cleaner initially needed a total hip replacement surgery after years of struggling with chronic pain. He was unable to do the heavy lifting that his job required and was forced to stop working. He submitted his disability benefits claim to The Standard. The Standard agreed our client was disabled from his job and paid benefits. However, two years later, The Standard evaluated our client’s claim to determine if he was disabled from Any Occupation in the national economy. The Standard found that the man could perform desk work and denied his benefits.
Fields Disability was retained to contest the denial for our client. The Fields attorneys consulted with our client’s doctor closely to create a report outlining our client’s conditions and limitations. The report was submitted to the insurer as a part of the appeal. The Standard reviewed the appeal and reversed its decision and all past due benefits were paid to our client and his benefits were reinstated.”
1781, ia
“A woman who worked as an Call Center Manager in Iowa became disabled after a long struggle with fibromyalgia. Her chronic pain severely limited her ability to work and focus on managing her employees. She applied for disability benefits, but the long-term disability carrier was extremely skeptical of her claim. After receiving a denial, the woman filed three separate appeals on her own. The insurance company denied each and every one, stating the medical information available did not provide a basis for an inability to work.
The woman hired Fields Disability to sue the insurance company. After reviewing the file from the insurance company, her attorney noted several flaws in the review process. After the suit was filed, the attorney went to work negotiating a settlement based on several critical errors in the insurer’s review of the claim. The insurer agreed to pay a substantial financial award to our client, who was extremely pleased with the settlement.”
1639, ia
“Our client worked as a Remediation Representative prior to developing low back pain and tearing his meniscus. He filed a claim for long term disability benefits, as he could no longer work. The insurer denied the claim, stating his low back pain was a pre-existing condition under the policy.
However, the insurer failed to consider the meniscus injury that severely affected the man’s mobility. Fields Disability filed a lawsuit against the insurer for past and future benefits. After several weeks of negotiations, the insurer agreed to settle the case on favorable terms for our client.”
1596, ia
“A woman from Iowa suffered from incontinence as a result of cancer treatments. This condition made it impossible for her to work in any capacity. She suffered from accidents multiple times a day. Cigna, her long-term disability insurer, accepted her claim and paid benefits. The insurer later denied her claim stating that she should be expected to return to work by that time.
Not knowing how to fight the insurance company, she reached out to Fields Disability. The attorneys at Fields got to work updating the client’s medical records to provide the full scope of the client’s condition. Once the records were compiled, we drafted a winning appeal which led the insurance company to overturn their denial and reinstate her benefits. The client felt a huge sense of relief that she would have a steady source of income to support herself.”
1640, ia
“An Iowa woman worked as a telephone account representative for a premiere online digital marketing company. She was forced to stop working due to severe anxiety, depression, gastrointestinal issues, and a cognitive disorder she had developed. Concerned about her future, she applied for long-term disability benefits.
The insurance company denied her application for benefits, claiming that the woman had not been disabled during her long-term disability policy’s elimination period. She tried appealing the insurer’s decision with the help of a local attorney, but failed to persuade the insurer to change their decision. She had soon filed all of the appeals she was allowed to and had nowhere to turn.
Out of options, the woman approached Fields Disability, and spoke to an attorney about her claim. We took on her case, and immediately filed a lawsuit against the insurance company arguing that their denials had been arbitrary, capricious, unreasonable, irrational, wrongful, and contrary to both the law and the terms of her insurance plan. Our attorneys fought back and forth with the insurance company, and ultimately secured a settlement for our client.”
1638, ia
“An assistant manager from Iowa had back and hip pain. Her job in a retail store required constant walking, bending, and lifting, so she was forced to stop working. She initially received long-term disability benefits, but after a few months she was sent a letter explaining that benefits would stop because she no longer met their definition of disabled.
Upset at her sudden loss of income, she called Fields Disability for help appealing the insurer’s decision. The attorneys at Fields Disability contacted our client’s doctors to compile reports of all of her symptoms and treatments. The insurance company hired their own independent doctor to review the case, and denied the appeal.
Our attorneys filed a lawsuit against the insurance company in federal court to fight for our client. During preparation for trial, Fields Disability attorneys were able to negotiate a generous lump-sum settlement for our client. She was overjoyed with the resolution of her case.”
2614, ks
“A woman had worked as an Administrative Coordinator for many years before being diagnosed with Multiple Sclerosis. She fought the disease for several more years, before she began noticing other symptoms which included short term memory loss and cognitive dysfunction. Being forced out of work due to the symptoms of her MS, she applied for long-term disability benefits. Unfortunately, she was denied by the insurance company. She partnered with Fields Disability in order to appeal the insurer’s denial of her benefit application.
The Fields team began gathering information to support her case, including updated medical records, a narrative report from her treating neurologist, letters of support from her primary care physician, and a vocational evaluation by a third party expert. Confronted by a significant amount of supportive documentation, the insurer quickly overturned their denial of our client’s benefits. Our client soon received a check in the mail for the backpay she was owed, and her ongoing benefits were subsequently reinstated.”
2583, ks
“A tile setter from Shawnee, Kansas underwent rotator cuff surgery in both shoulders and experienced severe complications. He had constant pain and struggled to lift his arms above his shoulders. He applied for long term disability through his employer’s insurance plan and received benefits for two years. The insurance company stopped paying him after two years because they said he could return to work.
Upset at the insurer and worried about his lost income, he called Fields Disability for help. Our team obtained the claim file from the insurance company and found that the insurer overlooked key records about our client’s surgical complications. Fields attorneys drafted a strong appeal to the insurance company based on the factual and legal errors from the insurer, and updated expert opinions. The insurance company changed their mind and our client received a lump-sum payment for back-pay and ongoing monthly benefits. He is happy to be through worrying about his disability claim and is pleased to have hired Fields Disability.”
2554, ks
“A young man who had recently begun a career as a draftsman developed chronic pain, chronic fatigue, and chronic headaches for no specific reason. It was later believed to be the result of a tick bite. The chronic symptoms he experienced did not allow him to continue working as a draftsman, nor did it allow him to perform any other work. After applying for long-term disability benefits, the insurer denied the claim on the basis that the medical evidence did not support an inability to work.
Unable to prepare an appeal on his own, he hired Fields Disability. Despite a lack of a definitive diagnosis, Fields Disability attorneys prepared a strong appeal relying heavily on the medical evidence discussing his chronic symptoms. Despite a strong appeal, the insurer again denied the claim. Unwilling to just give up, Fields attorneys filed a lawsuit in federal court. With summary judgment looming, the Fields attorneys were able to negotiate a settlement with the insurer for a portion of the remaining exposure under the policy. This allowed our client to walk away with money in his pocket while at the same time mitigating the risk of going to summary judgment and ending up with nothing. Our client was very happy with the results and felt a great sense of relief.”
2543, ks
“A Warehouse Supervisor from Kansas underwent surgery to remove a tumor in her lung and experienced severe complications. She lost enough blood during the procedure that she had neurological symptoms. She applied for long term disability through her employer’s insurance plan, but the insurer denied her application and said that she missed a deadline for documentation related to coverage.
She was furious that the insurance company accepted years of her premiums and then told her she was not covered. She called Fields Disability for help. Our team obtained the claim file from the insurance company and found that the insurer misinterpreted the applicable law regarding coverage. Fields attorneys drafted a strong appeal to the insurance company but they did not budge. Our attorneys filed a lawsuit in federal court against the insurance company. During preparations for a hearing, our attorneys negotiated a generous lump-sum settlement. Our client accepted and is happy to be through worrying about her disability claim.”
1653, ks
“A man from Kansas suffered from severe diabetic neuropathy. Despite working a sedentary occupation where he was seated most of the time, he was unable to continue to work due to the chronic pain from his neuropathy as well as the inability to use his hands. His long-term disability insurer, Liberty Mutual, denied his benefits claiming that he had the functional capacity to perform his own occupation.
Not knowing what he was supposed to do, he found the attorneys at Fields Disability. His attorney at Fields reviewed all of the records the insurance company had and requested updated records to provide to the insurer. He also obtained a report from the client’s neurologist which highlighted that the client could not work. On appeal, the insurance company reversed their decision and reinstated the payment of monthly benefits. The client felt an incredible sense of relief knowing that he had an income on which to support himself and his family.”
1767, ks
“A retail store manager from Kansas began having serious back pain and knee pain. MRIs showed bulging discs in her back and that she needed knee surgery. She was forced to stop working due to the surgery and did not recover enough to return to work as a store manager. She received long term disability benefits from her employee insurance plan for a few months, but the insurer stopped payments because she apparently had not supplied enough evidence of her disability. She submitted an appeal, but the insurer upheld their decision to stop paying.
Worried for her lost income and still unable to work, she called Fields Disability for help. Our attorneys reviewed her claim file and determined she had a good claim. Our client wanted to keep her costs low, so our team pursued a quick resolution without incurring a court filing fee. Ultimately, our attorneys negotiated a generous lump-sum settlement before a lawsuit needed to be filed. Our client was pleased with the result and is happy to use her settlement check to continue her treatment.”
1598, ks
“An installation coordinator for a sign and graphics company in Kansas had chronic pain in her hip. She was forced to stop work because her condition required shifting positions every few minutes and her employer could not accommodate her. She applied for short-term disability benefits through her employer’s insurance plan but was denied. While she was considering her options for short-term benefits, enough time passed that her claim converted to a long-term disability claim.
With two separate but overlapping claims pending, she called Fields Disability to help determine the best course of action. Fields attorneys reviewed the denial documents from the insurance company and our support team gathered updated medical records from all our client’s physicians. Our attorneys found that the insurance company disregarded important findings from our client’s doctors and drafted a strong appeal to the insurer. The appeal was successful and our client received a lump-sum payment for back pay and ongoing monthly benefits. Our client was pleased with the representation Fields Disability provided and was happy to have her monthly income restored.”
1758, ks
“A Kansas woman had worked as an airplane painter for several years before developing severe kidney dysfunction. It turned out that she had developed Goodpasture Syndrome as a result of poisoning from the industrial paints she had been using for work. As her conditions continued to degrade, she applied or and was approved for long-term disability benefits. She remained on benefits for over nine years. Recently, she underwent a double kidney transplant. As soon as her condition stabilized after the surgery, the insurance company cut off her long-term benefits, claiming she was no longer disabled.
The woman attempted to appeal the insurer’s decision on her own, but they denied her appeal. Knowing she needed help with the next step, she retained the disability attorneys at Fields Law Firm. Our team of attorneys got to work on her case right away, filing a lawsuit against the insurance company in federal court. Faced with the mounting litigation, the insurer was forced to come to a settlement agreement. Our client was soon able receive a check in the mail, and focus on her ongoing recovery.”
1599, ks
“A man worked as a Distribution Coordinator for Driscoll’s. He suffered from severe back pain and depression. His condition prevented him from performing his job which required him to be on his feet for many hours per day. His insurer, Cigna initially approved his claim for long-term disability benefits. The claim was later denied by Cigna, asserting that they found he had no activity restrictions that were medically supported and that they had identified occupations he could perform.
Clearly unable to work and unable to fight the insurance company, he reached out to Fields Disability. His attorney at Fields went right to work reviewing insurance company’s file. After completing his review, his attorney developed a plan to fight the denial. He updated medical records and requested reports from the client’s treating doctors. With the updated records and reports, he then drafted a winning appeal. The insurance company reversed their decision and reinstated the client’s monthly benefits and paid all the past-due benefits. The client was so thankful to get his benefits back and relieved that he would no longer have to worry about finding income to support his family.”
2606, ky
“Our client was a technician that received long-term disability benefits due to disabling, chronic back and shoulder pain. Due to his injuries, our client ambulates with a cane and requires assistance for almost all activities of daily living. After two years of receiving benefits, the insurance carrier discontinued benefits, stating that our client could perform gainful employment in a sedentary position.
Given that our client needed help taking care of just himself, he worried about how he could make a living following this denial. He reached out to the Fields Disability team, who helped him work through multiple appeals. Our attorneys provided medical evidence that our client was unable to work for any gainful employment, but the insurance carrier would not reconsider. Without any luck on appeal, our attorneys continued to fight for the client and settled his case with a favorable lump sum payment.”
2571, ky
“A man from Kentucky became disabled following a stroke. He had spent his career working as a Tech Specialist, but was unable to continue afterward due to partial paralysis, chronic fatigue, cognitive deficits, short term memory lost and severe anxiety. After leaving work he applied for long-term disability benefits from his policy’s insurer and was approved. He received payments for 9 months, but suddenly received a termination letter from the insurer, cutting his benefits off.
He knew he needed help fighting the insurer and partnered with Fields Disability. The attorneys at Fields gathered extensive documentation on his case from his physicians and submitted a well-crafted appeal of the denial decision. However, the insurer persisted in their denial, refusing to overturn their prior determination. The Fields lawyers then filed a federal lawsuit against the insurer. After extensive negotiations, the Fields team was able to secure a sizable settlement in our client’s favor.”
2563, ky
“A Laboratory Technician was forced to stop working due to a multitude of illnesses and a knee injury she had sustained requiring surgery and three months physical therapy. Her chronic illnesses complicated her return to work and the insurer continued to pay her benefits until the definition of disability changed from Own Occupation to Any Occupation after 24 months. The insurance company reopened her claim after she was subsequently awarded SSDI. Even with the social security administration’s disability determination, the insurer continued to contact the client every few months to request updated medical records. This required our client having to schedule unnecessary appointments for her chronic conditions costing her time and money from her fixed disability income.
Tired of the harassment, our client reached out to the Attorneys at Fields Law Firm to assist with negotiating an early buyout/settlement of her claim. Our attorneys requested a copy of our client’s claim file, obtained updated medical records and submitted them to the insurance company asking if they would be interested in buying out the remainder of her claim. Our team was able to negotiate with the insurance company to get them to pay significantly more than their initial offer. Our client was happy to get her monthly benefits in advance to help plan her long-term care and end the tenuous relationship with the insurance company.”
2550, ky
“A man from Kentucky worked a physical job as an environmental services worker. Due to a combination of arthritis in his back and knees as well as a heart condition, he was no longer capable of performing the job. His long-term disability insurer, Liberty Mutual, approved his claim and paid benefits for two years. They later denied the claim stating that they had identified occupations which he could perform.
Frustrated and not ready to give up, he found the attorneys at Fields Disability. His attorney at Fields reviewed all of the records the insurance company had and began getting updated records to provide. He also obtained a report from the client’s orthopedist which highlighted that the client could not work. The Fields team also obtained supplemental support which refuted a report by Liberty Mutual’s own doctor which concluded that he could perform other work. On appeal, the insurance company reversed their decision and reinstated the payment of monthly benefits. The client felt an incredible sense of relief knowing that he had his income returned.”
1708, ky
“A registered nurse from Kentucky originally ceased working due to her diagnosis of stage IV metastatic breast cancer and all the consequential disabilities related to this life-threatening diagnosis. After 24 months of coverage, the insurance carrier terminated benefits as it claimed this registered nurse did not meet their definition of “disabled” and claimed she could perform a list of occupations.
Upset at her sudden loss of income, she called Fields Disability for help appealing Prudential’s decision. The attorneys at Fields Disability contacted our client’s doctors to compile reports of all of her symptoms and treatments. After only one appeal, Prudential agreed with the Fields Disability attorneys, and reversed their prior determination and administered benefit payments immediately.”
1621, ky
“A woman who worked as a customer service representative for Delta Dental Plan suffered from a seizure disorder which resulted in her experiencing total blackouts. These blackouts could occur at any time. Due to this, she was no longer able to perform her job. Her long-term disability insurer initially accepted and paid the claim. They later denied the claim stating that she could perform other jobs.
She reached out to the attorneys at Fields Disability for help. Her attorney obtained all of her medical records and contacted her treating doctors to provide the necessary support. On appeal, the insurer again denied the claim after which her attorney filed a lawsuit in federal court. He was then able to negotiate a settlement with the insurer that maximized the value to the client while at the same time mitigating the significant risk of moving forward with litigation.”
1622, ky
“An auto plant Manufacturing Inspector from Kentucky contracted reoccurring viral neurosis, a condition which caused her to fall over and injure herself on a daily basis. She also suffered from associated depression, Meniere’s disease, vestibular neuronitis, and hearing loss. Since manufacturing environments can be dangerous places, she was unable to continue working at the plant where she had been for more than 20 years.
Throughout her employment, she had been paying into a long-term disability policy provided by her employer. The insurance company initially granted her benefits however, after 24 months, they abruptly cut off her benefits. In their denial, the insurer claimed that her medical records did not support functional disabilities which would prevent her from working in “Any Occupation” after their denial date. Further, to add insult to injury, the insurer also informed her that, because of an overpayment, she actually owed them money.
Utterly devastated, and under immense financial strain, the Kentucky woman sought out the best law firm to help fight the insurance giant. She contacted Fields Disability and was put in contact with a team of attorneys who immediately began managing her case. However, the insurer insisted that the woman owed them money.
After extensive negotiation, the attorneys at Fields Disability were able to secure an agreement where the woman wouldn’t have to pay the insurer the overpayment fees and even secured a payout from the insurer. ”
1679, ky
“A 60 year old gentleman, who worked as the IT director for a large, international business, suffered a traumatic brain injury. With an occupation requires one to think, reason, analyze and articulate significant and highly complex concepts, this client could no longer perform any of these functions. Neurocognitive tests were done and demonstrated clearly that this client suffered from cognitive impairment. Despite the findings, the disability carrier denied an application for disability benefits.
Fields Disability was hired, and his attorney began to obtain all records, and cognitive function tests, as well as supportive reports from our client’s treating doctors. The attorney then filed an appeal, and the denial was reversed in light of the substantial evidence that had been presented.”
1747, ky
“A woman who received long-term disability benefits for almost eight years received a letter from her insurer one day, which stated that she no longer met the insurer’s definition of disability. The insurance company had discontinued her benefits. The woman was confused because there had been no change in her condition. Furthermore, her conditions were chronic and not likely to change in the future. She turned to Fields Disability for help.
We worked with our client’s doctors to obtain updated medical information and drafted an appeal in which we argued that the insurer was wrong to discontinue her benefits. The appeal included written opinions from the woman’s doctor. Despite the overwhelming evidence that supported her entitlement to disability benefits, the insurer would not overturn their decision. Fields Disability moved forward with a lawsuit against the insurer.
The Fields Disability attorneys were able to negotiate a lump sum settlement shortly after filing suit. Our client is happy that she no longer has to deal with the insurance company and she does not need to live in fear of having the insurance company cut off her benefits ever again.”
2593, la
“Our client was employed as a nurse auditor for a large hospital in New Orleans. Due to severe knee issues, she left work. She was unable to perform the duties of her job, which included travel, lifting boxes full of documents, and frequent standing and walking. Her long-term disability insurance carrier denied benefits from the outset, stating our client was a nurse charge master coordinator – a job that did not require any of more strenuous duties of her actual job.
She hired Fields Disability to build an appeal supporting her entitlement to benefits. The Fields attorneys referred our client to a vocational evaluation which found our client held a composite job with the duties of two distinct occupations. The insurer completely ignored the vocational report and denied the appeal. Our attorneys filed suit in federal court and assisted our client in negotiating a favorable settlement using the failure to consider the vocational report as leverage.”
2494, la
“A superintendent of an off-shore oil rig in Louisiana had knee surgery following a car accident. He had complications from surgery and ultimately needed a total knee replacement. He experienced severe discomfort and pain from walking, standing, sitting, or kneeling for more than a few minutes at a time. His condition became too severe, and he was forced to stop working. He was approved for long-term disability benefits through his employee insurance policy and received benefits for two years. Then the insurance company sent him a letter stating that he no longer fit their definition of disabled, and that he would stop receiving payments.
Worried about the sudden loss in income, he called Fields Disability for help. The attorneys at Fields Disability combed through the claim file from the insurance company and found several oversights. The insurance company said that our client could find other work, but did not provide a description of what type of work our client could complete. The attorneys at Fields Disability used updated medical reports to mount an appeal against the insurance company. The insurance company denied benefits on appeal, but Fields attorneys quickly filed a lawsuit in federal court to fight for our client’s benefits. During preparations for trial, our attorneys negotiated a generous lump-sum settlement for our client. Our client was overjoyed at the settlement amount and was pleased that he did not need to continue the fight against his insurer.”
2473, la
“A machine maintenance worker from Louisiana had multiple back surgeries and required a fusion of two vertebrae. He was unable to continue work because his job required lifting and repairing heavy machine parts. He applied for and received long-term disability benefits through his employer. Unfortunately, the insurance company stopped paying benefits after a few months, saying that he suffered from a pre-existing condition that meant he could not receive benefits.
He contacted Fields Disability for help. Our team gathered all of our new client’s medical records and compiled all of the evidence the insurance company had as well. Our attorneys scoured the medical records and discovered that the insurer was misreading the medical records. Our client did have a history of low back pain, but the surgery that caused his current disability was to correct a distinct and new disc injury. We submitted a strong appeal to the insurer, but the decision remained unchanged. Our attorneys filed a lawsuit in federal court to fight for our client’s benefits. During the lead-up to a hearing date, our attorneys negotiated a generous lump-sum settlement and our client received a settlement check that allowed him to continue treatment without fighting his insurance company any more.”
1732, la
“A Technical Service Assistant was unable to work due to severe back pain that impaired her ability to sit and stand comfortably at work. She submitted a claim for short-term disability to Sedgwick, who paid benefits for just two weeks before denying her. In the denial letter, Sedgwick stated the woman’s medical records failed to show she was disabled. For months prior to leaving work, the woman had tried everything from a standing desk to pain medications to continue working. She knew in her current condition returning to work simply was not possible.
She hired Fields Disability to file an appeal of Sedgwick’s decision. Our attorneys gathered medical evidence and disability paperwork from the woman’s two treating doctors stating that she was unable to perform her work as a technical services assistant. Our attorneys submitted that information along with a legal memorandum arguing the woman could not return to work due to her conditions. After a brief review, Sedgwick overturned its decision and reinstated benefits. The woman was able to use the short-term disability back payment to continue treatment with her doctors and eventually resume work with her employer.”
1733, la
“A registered nurse from Louisiana started having uncontrollable drowsiness. He was consistently getting seven hours of sleep but the symptoms persisted. He tried reducing his hours and various medications but nothing helped. He was forced to stop working. He applied for short term disability benefits through his employer but was denied because, despite strong records from his neurologist, the insurance company said he did not have a specific test performed.
Upset and worried about his lost income, he called Fields Disability for help. Our attorneys gathered the claim file from the insurance company and medical records from our client’s doctors. Fields attorneys asked one of our client’s doctors for a summary of their findings and the doctor provided a letter saying the narcolepsy was lifelong and disabling. With strong supporting evidence, Fields attorneys filed an appeal to the insurer and the decision was overturned. Our client received a lump sum for short-term benefits and is now working with Fields Attorneys on a long-term disability claim. He is pleased with the professional advocacy Fields Disability continues to provide.”
1680, la
“A woman from Louisiana suffered from chronic and severe migraine headaches. This condition obviously prevented her from being able perform any work as she was completely incapacitated when a migraine would hit. MetLife, her long-term disability insurer, denied her claim, asserting that the medical information on file did not support an inability to work.
Clearly unable to work and not sure of how to fight the insurance company, she reached out to Fields Disability. Her attorney at Fields went right to work reviewing the entire file from the insurance company. After completing his review, the attorney developed a winning strategy for her appeal. He updated medical records and obtained statements from her treating neurologist. With the updated records and report, he then drafted an appeal which made it clear that the client could not work. The insurance company reversed their decision and approved the client’s claim for benefits. The client was elated to get her benefits back knowing that she would have security going forward.”
1694, la
“A quality control inspector at a metal shop in Louisiana began having serious back pain in 2016. He had an MRI and his doctor discovered multiple bulging disks in his back, likely due to a degenerative disk disorder. He experienced severe pain radiating down his right leg, and was unable to walk a few feet without pain. He was forced to quit work and applied for long-term disability benefits through Mutual of Omaha, but was denied. The insurance company determined that his job was “light duty” and that he was still capable of performing his job responsibilities.
Shocked with the decision and frightened by his sudden lack of income, he contacted Fields Disability for help with his appeal. The lawyers at Fields Disability closely examined our client’s medical record and found that Mutual of Omaha disregarded a key report. One doctor stated that the employee should be considered disabled from his own occupation right in his medical report and Mutual of Omaha did not consider this statement in its analysis. After compiling additional treatment records, our attorneys filed the appeal.
The insurance company agreed that there was an error in their original decision and granted our client back-pay and continued benefits. Our client was happy to have the means to continue treatment and relieved to be done fighting against the insurance company. ”
1702, la
“A pharmacy manager was diagnosed with bilateral breast cancer. She stopped working to undergo a double mastectomy and aggressive chemotherapy treatment. She qualified for long-term disability benefits during her treatment. After treatment, she had severe pain as a side effect from the chemotherapy that developed into fibromyalgia and numbness in her extremities. Despite receiving benefits for two years and keeping the insurance company updated on her condition, the insurer denied her benefits.
Upset about her lost income and the insurer’s change in decision, she contacted Fields Disability for assistance. Our attorneys contacted the insurance company for the claim file, and our client’s doctors for their medical records. The insurance company ignored several reports from our client’s doctors, and misinterpreted our client’s decision. Fields attorneys sent a strong appeal to the insurer, but they did not change the decision. Our attorneys filed a lawsuit in federal court to fight for our client’s benefits. During preparation for trial, our attorneys negotiated a generous lump-sum settlement. Our client was happy with the settlement, and was pleased with the quick action and transparent process that Fields Disability provided.”
2534, md
“Prior to his disabilities, this 59-year-old Maryland resident worked as a Distribution Tester for several years until he went out of work following a severely traumatic event of being shot at while sitting in his work truck. As a result of this traumatic event our client suffered from bullet fragments in his neck, and glass fragments in his face. Subsequently, he developed severe anxiety and panic attacks.
However, Cigna denied our client’s long-term disability benefits claim, alleging that they did not received any measurable clinical findings to support his inability to work. Cigna went on to claim that our client’s medical conditions did not preclude him from performing the material duties of his regular occupation.
Shocked at this decision, this Maryland resident contacted the attorneys at Fields Disability with only 45 days to submit an appeal. The attorneys at Fields Disability were able to quickly and efficiently collect all the medical records and reports from this client’s doctors and submit an appeal to Cigna. After receiving the appeal, Cigna quickly realized they needed to overturn their prior decision to deny benefits, and determined our client was disabled based on the appeal submitted. Cigna issued a check for all the months our client was entitled to immediately, and our client was very happy with the work the Fields attorneys did on his long-term disability appeal.”
2490, md
“A woman suffering from debilitating back pain with a history of a lumbar fusion surgery was forced to stop working. After almost a year of paying long-term disability benefits, the insurance company discontinued the woman’s benefits. The woman was quite confused because the insurer asserted there were no objective findings that prevented her from performing her job as Computer Aided Design Operator, yet there had been no change in her condition since the time they began paying benefits.
She reached out to Fields Disability for help. Fields Disability drafted a strong appeal in which we highlighted that the insurer relied on a mistake in our client’s medical records to deny her benefits. Fields Disability also argued that the insurer mis-classified her job as a sedentary job, when it required more significant physical demands. The insurance company ignored these arguments, so Fields Disability filed a lawsuit against the insurer on the woman’s behalf. We were able to secure a settlement for our client and our client never had to appear in court.”
2486, md
“A sales clerk with a popular department store enjoyed her career of helping people look and feel better. Unfortunately, she began developing severe pain in her neck that radiated into her shoulders, down to her hands. After several treatments with the doctors and an MRI scan, it was discovered that she needed fusion surgery in her neck. Her doctors performed the surgery, which eliminated the pain for a period of time but, the pain eventually returned. An MRI scan revealed that she needed additional surgery to further repair the compromised discs in her neck. Despite a second surgery the pain persisted and her doctors eventually diagnosed her with failed cervical syndrome, which happens to a small percentage of patients who undergo spinal surgery. She applied for and received disability for several years as she attempted to resolve her neck condition.
Unfortunately, without any warning, the disability carrier suddenly issued a denial letter stating she was no longer disabled, and the much-needed disability checks stopped coming. She tried to work with her doctors to present enough evidence to show that she continued to be disabled, but the insurance company would not reverse its decision.
Out of options, she approached Fields Disability, and our attorneys immediately began working with medical providers to obtain the necessary supportive reports, assembled medical records, and filed a lawsuit to reverse the wrongful denial of benefits. After a complete and thorough review, the disability carrier reversed its decision and restored the disability payments with back-pay. She was emotional and overjoyed upon discovering she would now have the means to pay her bills and take care of her family.”
2436, md
“A volunteer coordinator at a veteran service home suffered from fibromyalgia, migraines, cervical spine radiculopathy, and right shoulder tendinopathy. She had managed her various conditions well for several years but was finally unable to work at her position due to exacerbations of her fibromyalgia, migraines, and neck pain. Lincoln National Life Insurance Company paid her claim for just over ten months, until they discontinued disability benefits stating she had no restrictions or limitations resulting in an inability to work at the veteran service home.
The woman hired Fields Disability to appeal the denial. Our attorney’s secured extensive medical records and opinions from the woman’s treating providers stating she could not work. We combined these records with legal and factual arguments about the physical demands of the woman’s position at the veteran service center. Lincoln Financial overturned their decision resulting in a large payment of back benefits. Our client was able to avoid foreclosure on her home due to the quick payment of benefits.”
1643, md
“Our client worked for several years as a machinery operator in a utility plant. He became disabled after developing severe degenerative joint disease in his knees, as well as shoulder issues and major depression. The pain and immobility kept him from being on his feet for extended periods of time. He was unable to work because his heavy duty job as a machine operator required frequent standing and walking. He filed a claim for long-term disability benefits with Liberty Mutual. The insurance company denied benefits from the outset, stating he could work his own occupation.
The man hired Fields Disability to help him appeal Liberty’s decision. Our attorneys developed substantial medical evidence supporting the man’s limitations. We secured statements from the man’s treating physicians describing his conditions. The appeal was submitted with legal arguments regarding Liberty Mutual’s duty to consider our client as a whole person, and not focus solely on individual conditions. Our client was subsequently approved for long-term disability due to the appeal.”
1681, md
“A Maryland man had worked as a Technical Operator for a power company for many years. His job involved climbing up and down scaffolding, working on large and complicated machinery, and significant amounts of walking. Unfortunately, he suffered a stroke and began experiencing numbness and tingling in his lower extremities. He eventually was diagnosed with Drop Foot, or total foot numbness. No longer able to climb or walk for any appreciable distance, the man was forced to stop working.
The man applied for benefits from his long-term disability carrier, MetLife, and was initially approved. When the man was released to light-duty work by his physician, his employer couldn’t accommodate his ongoing restrictions and the man remained disabled. On these grounds, MetLife terminated the man’s benefits, claiming his medical records did not support further functional limitations. He tried appealing the insurer’s decision on his own, but they denied his motion. The man remained employed by the power company, but was not allowed to return to work. He felt like he had run out of options.
Knowing he needed help, the man turned to Fields Disability. Our team of attorneys and legal professionals got to work on his case right away. Our paralegals acquired pertinent medical records which the insurer claimed not to have, and our attorneys gathered supporting expert opinion from the man’s medical team. Fields Disability made several arguments in the appeal, supported by detailed exhibits. The appeal was submitted well before the insurer’s deadline and the insurer soon overturned their prior decision. The man received substantial check for his back benefits, and MetLife reinstated the man’s ongoing benefits.”
1579, md
“A retail manager from Maryland had severe hip pain and was forced to stop working. He was approved for Social Security Disability benefits and long-term disability benefits through his insurer at work. The long-term disability benefits suddenly stopped after two years of payment. The insurer said that the definition of “disabled” changed and he was no longer eligible for benefits.
Worried about his lost income, and unable to stand or walk for more than a few minutes at a time, he called Fields Disability for help. Our team acquired updated medical records from our client’s doctors and ordered new reports to highlight our client’s lack of mobility. Fields Disability attorneys reviewed the evidence and drafted a strong appeal to the insurance company. Unfortunately, the insurer did not change its mind.
Fields Disability attorneys filed a lawsuit in federal court to fight for our client’s benefits. During preparation for a hearing, our attorneys negotiated a generous lump-sum settlement. Our client was overjoyed with the result and was impressed with the professional advocacy of Fields Disability.”
1776, md
“A 52 year-old graphic designer became disabled due to lumbar spine issues with radicular and nerve pain. She ceased working because sitting for long periods of time was absolutely agonizing. Unum properly paid her claim for almost three years. After she began receiving Social Security Disability benefits, Unum contacted her to collect an overpayment of previous benefits. In the same breath, Unum informed claimant she was no longer eligible for benefits under the terms of her plan.
The woman hired Fields Disability to appeal the decision shortly before the appeal was due. Our attorneys quickly assembled medical records, as well as statements from her treating physicians outlining her inability to work. Unum overturned their decision resulting in a large payment of back benefits. The claim was reinstated and monthly payments began shortly thereafter.”
1748, md
“A Maryland marketing director suffered a stroke. He was treated and released from the hospital but experienced regular headaches, nausea, and confusion after he went home. The symptoms persisted, and he was forced to stop working. He received long-term disability benefits for a few months, but suddenly the insurance company stopped paying benefits. The insurance company said he could return to work.
Upset and worried about his loss of income, he contacted Fields Disability for help. Fields attorneys immediately contacted our client’s doctors and compiled a strong appeal of the insurance company’s denial. The insurer did not change their decision, and Fields attorneys filed a lawsuit in federal court to fight for our client. During preparations for trial, they aggressively negotiated a generous lump-sum settlement. Our client was impressed with the professional representation that Fields Disability provided.”
1677, md
“An accountant became disabled after developing severe and debilitating migraines that affected her ability to concentrate throughout the day. Her application was denied from the outset, so she hired Fields Disability to appeal the wrongful denial of benefits. The appeal was overturned and benefits were paid. Unfortunately, the insurer later denied benefits again and wrongfully refused to overturn the decision on appeal.
Fields Disability filed suit in federal court to pursue those benefits. Because Fields Disability had handled the appeals, our attorneys knew the case extremely well. We closely examined the information that the insurance company relied on in its decision to deny benefits. We found that the insurer’s doctor failed to respond to numerous requests for a peer-to-peer consultation with our client’s treating doctor. We leveraged this crucial error into a substantial settlement for our client.”
2721, ma
“A Billing Administrator from Wilmington, Massachusetts suffered from Schizophrenia and Low Back Pain. Eventually, the combination of her conditions made work impossible. She applied for long term disability through her employer’s insurance plan and received benefits for five years. The insurance company stopped paying her after five years because they said she could return to work.
Upset at the insurer and worried about her lost income, she called Fields Disability for help. Our team obtained the claim file from the insurance company and found that the insurer overlooked key records about our client’s conditions. Fields attorneys drafted a strong appeal to the insurance company based on the factual and legal errors from the insurer, as well as updated expert opinions. The insurance company changed their mind and our client received a lump-sum payment for back-pay and ongoing monthly benefits. She is happy to be through worrying about her disability claim and is pleased to have hired Fields Disability.”
2622, ma
“A Site Manager from Massachusetts was suffering from chronic neck pain post fusion surgery, anxiety, depression, and trigger finger. She was removed from work by her treating physicians and applied for long-Term disability benefits through her employer’s plan with Unum. However, Unum denied the claim asserting only some of our client’s conditions were covered under the policy and that based upon its review those conditions were not disabling. She turned to Fields Disability for help.
The attorneys at Fields reviewed her policy, gathered medical evidence in the forms of records and opinions from her treating providers, and gathered evidence from her prior Social Security Disability file. Our team drafted an appeal pointing out that all of our client’s conditions were covered under the terms of the plan and, based upon the substantial evidence, these conditions precluded her from performing her Own Occupation. After receiving our appeal Unum reversed its denial, paid our client her backpay, and started paying her monthly benefits.”
2566, ma
“A Human Resources Manager for a small business left work on a leave of absence to focus on his low back issues. He applied for disability benefits from MetLife, his long-term disability insurance carrier. MetLife approved and paid our client’s claim for the entire 36 month Own Occupation period. However, the insurance company then stated our client was able to return to work at a number of sedentary jobs.
He searched for help online and found Fields Disability. Fields Disability attorneys assisted our client in determining the medical and legal basis MetLife used to terminate his disability benefits. After review of the information MetLife produced, our attorneys worked towards building medical evidence to challenge the insurer’s denial. The medical evidence was submitted to the insurance company as a part of the appeal. MetLife swiftly overturned its decision to deny benefits and paid our client’s claim.”
2555, ma
“A project manager from Massachusetts began having severe pain in his leg and ribs. He previously had one of his lungs removed due to an infection which caused ongoing pain and difficulty breathing. He was unable to continue work and was approved for long term disability benefits through his insurer at work. He received benefits for almost three years, but then the insurer denied ongoing payments and said he could return to work in a different occupation.
Worried for his lost income and the challenge of changing careers, he called Fields Disability for help. Our team obtained all of our client’s medical records, and Fields Attorneys hired an expert to complete a vocational report which showed our client’s true occupational capacity. Armed with strong evidence, our attorneys sent an appeal to the insurance company. The insurer didn’t budge, but our attorneys filed a lawsuit in federal court. During preparations for a hearing and bolstered by the strong evidentiary record, Fields lawyers negotiated a generous lump-sum settlement. Our client was happy to be through fighting his insurance company and was glad he hired the Fields team to represent him.”
2540, ma
“A manager working in patient access services in Massachusetts from suffered the loss of her husband and mother within weeks of each other. Due to her overwhelming grief, she was unable to perform her job. Her Long Term Disability Insurer denied her claim for benefits alleging that she suffered from a pre-existing condition. The basis for their denial was a single notation of depression in one medical record.
Unsure of how to continue, she reached out to Fields Disability. Our team began reviewing the entire file from the insurance company and creating a plan for an appeal. After submitting an appeal, the insurer refused to review it. The Fields attorneys immediately filed a lawsuit in federal court and were able to negotiate a settlement with the insurance company, giving our client financial security and peace of mind.”
2536, ma
“A Senior Project Designer from Massachusetts suffered a broken leg from a skiing accident. The doctors put pins into her leg. Eventually, the pins caused an infection and needed to be replaced. The leg infection did not go away, and the Project Designer was forced to stop work. She was approved for long-term disability benefits through Unum. After four years, Unum suddenly stopped paying benefits; saying that they did not receive the correct paperwork.
Frightened by her sudden loss of income, she called Fields Disability for help. Our attorneys immediately requested our client’s file from Unum. They also called of our client’s doctors to obtain updated medical reports. Fields Attorneys used medical records and legal research to build a strong appeal. Unum overturned their denial and reinstated benefits to our client. Our client was pleased to be done fighting her insurance company, and is happy to move forward with her life.”
2477, ma
“A Route Sales Manager with low back pain, neck pain, and shoulder pain ceased working because he was unable to keep up with the demands of his job. His claim was paid for the entire Own Occupation period of the policy, but when the definition changed to Any Occupation, the insurer denied continuing benefits. The insurance company said the man had a significant amount of function left. He hired Fields to sue the insurance company in federal court. Our attorneys negotiated a settlement and our client received a sizable check.”
2471, ma
“A man from Massachusetts was diagnosed with cancer as a young man. He underwent radiation and chemotherapy in an effort to treat the cancer. Fortunately, the treatment was a success and he has been cancer free for many years. Unfortunately, the treatment left him suffering from side effects which left him with a multitude of problems from severe fatigue, pain, and other problems. After working for a number of years, his physical condition no longer allowed him to perform his job. His long-term disability insurer denied his claim for benefits arguing he did not meet the definition of disabled.
Not knowing what he was supposed to do, he found the attorneys at Fields Disability. His attorney at Fields went right to work and drafted a strong appeal of the denial. The insurance company again denied the claim. His attorney immediately filed a lawsuit in federal court. They were then able to negotiate a settlement with the insurance company.”
1740, ma
“A woman from Massachusetts worked as an Office Administrator for 20 years. She suffered from a number of conditions which included morbid obesity, diabetes mellitus with neuropathy, exertional dyspnea, atrial fibrillation, chronic artery disease, history of diastolic heart failure, obstructive sleep apnea, cervical discitis, osteomyelitis, left shoulder paresis, foot ulcers, and hip bursitis, among other things. Sun Life, her long-term disability insurer, initially approved the claim but later denied it claiming that she had the capacity to perform her own occupation.
Scared and not sure about what to do, she reached out to the attorneys at Fields Disability. Her attorney at Fields reviewed all of the records from the insurance company and went to work getting updated medical records. With updated records, her attorney drafted a strong appeal which cited the medical evidence as to why she could no longer work. Upon review, the insurance company overturned their denial and paid benefits. The client felt an incredible sense of relief knowing that he had an income on which to support himself and his family.”
1709, ma
“A retail pharmacist from Massachusetts began having severe back and hip pain. Her doctor diagnosed her with bulging discs in her back that were radiating pain to her hip. She was approved for long-term disability benefits through her employer. The insurance company periodically asked for documentation of her treatment, and after receiving benefits for a year, her insurer said she could return to work. She sent in a written appeal, but the insurance company would not change its mind.
Upset with her insurer, and worried about her lost income, she contacted Fields Disability for assistance. The attorneys at Fields Disability obtained the entire claim file from the insurance company and all of our client’s medical records to compile all of the evidence. Our attorneys sent the insurer a strong appeal which referenced key records that were previously overlooked. The insurance company reversed their decision. Our client received a lump-sum check for back-pay and receives a monthly check to offset her lost income. She is pleased with the professional representation from Fields Disability and is relieved to have her monthly income restored.”
1601, ma
“A Massachusetts woman worked as a Support Service Technician for a very large technology company before being forced to leave work due to a high risk pregnancy. She subsequently developed further complications, and was diagnosed with panic disorder, anxiety, chronic migraines, pre-syncope, and a separated pelvis.
She applied for long-term disability benefits, but was denied by her insurer, Cigna. In their denial letter, Cigna claimed that her medical file did not support work restrictions from her date of disability through the delivery of her baby. Further, they wrote that the severity of her pelvic pain and symptoms was not enough to continuously support disability.
Feeling like she was running out of options, and not wanting to take the risk of appealing the decision herself, the woman sought out help from Fields Disability, and our team of attorneys got to work on her case. Our attorneys ordered a significant amount of medical records which the insurer claimed not to possess, worked with her own physicians to produce supportive narrative reports, and even had a functional capacity evaluation conducted. The Fields Disability lawyers then wrote the appeal, and submitted the lengthy document well before the insurer’s deadline. Faced with numerous exhibits and pointedly crafted arguments, Cigna had no choice but to reverse their decision. The woman soon got a check in the mail for back payments, and had her benefits reinstated.”
1600, ma
“A Senior Software Engineer from Massachusetts was forced to stop working, less than a decade before retirement. She had battled anxiety and depression for years, but recently developed a progressive and incurable neurological condition. The disease was called Cervical Dystonia, and it caused her neck muscles to uncontrollably contract, forcing her head to painfully twist and turn. Her quality of life began deteriorating quickly, and then she learned that she needed brain surgery to address her worsening condition.
Rightfully concerned about her financial security, the woman applied for long term disability benefits from CIGNA. However, while CIGNA reviewed her claim, they began sending her a seemingly endless number of requests for more information. She responded to the requests at her own expense, but CIGNA still denied her application for benefits a month later. In their denial, CIGNA effectively claimed that the woman wasn’t actually disabled and was just choosing not to work.
She was frustrated with CIGNA’s tactics, and sought out the best disability advocates to handle her case. She found the highly skilled team of attorneys at Fields Disability. We were able to get to work on her case right away, gathering the necessary documents, and obtaining favorable medical opinions from her treating physicians.
Our attorneys reviewed CIGNA’s denial letter, and got to work writing a strong appeal. We argued that CIGNA had failed to both properly consider our client’s medical records, and conduct due diligence through an independent medical examination. On the basis of our well-founded appeal, CIGNA agreed to conduct an independent medical review. After receiving the results of the review, they quickly overturned their previous denial, granting our client long term disability benefits with back pay. Our client was soon able to cash a substantial check from CIGNA, and began receiving regular payments for her long term disability benefits.”
1586, ma
“A Massachusetts woman worked as a day care teacher at a Montessori School for many years until she began feeling stiffness and pain in her hands, feet, and lower back. Her doctors diagnosed her with neuropathy and lumbar disc disorder. The Social Security Administration found her to be disabled, and she was granted long-term disability benefits by the insurer Assurant that same year. Two years later, Assurant abruptly cut off her income, claiming that she was capable of working a full 40 hour week.
The woman sought out the attorneys at Fields Disability to help her appeal the insurance company’s decision. Our attorneys filed an appeal with Assurant arguing that the insurer failed to provide a specific reason for our client’s denial, and demonstrating that the medical record supported her claim. In response, the insurer ordered an outside physicians report. However, the physician ended up refuting Assurant’s own independent medical exam and recommending work restrictions for our client. Faced with no options, the insurer granted our appeal. Our client had her benefits restored, including back pay, providing her the security she needed to accommodate her conditions.”
2731, mi
“A leasing representative from Michigan began suffering from numbness in her extremities, fatigue, and chronic pain after treatments for her heart condition. Her legs were nearly always numb which made working at her job, which required showing customers commercial property, impossible. After being approved for short term disability benefits and receiving long term disability benefits for two years, the insurance company stopped paying because they said she could return to work.
Worried about her lost income, and still struggling with numbness, she called Fields Disability for help. Our team obtained the claim file from the insurance company and found that the insurer overlooked key records and never scheduled an in-person examination. Fields attorneys obtained updated opinions from our client’s doctors and drafted a strong appeal to the insurance company which pointed out the mistakes in the insurer’s decision. The insurance company changed their mind and our client received a lump-sum payment for back-pay, and ongoing monthly benefits. She is happy to be through worrying about her disability claim and is glad that she obtained the diligent representation of Fields Disability.”
2434, mi
“A machine operator from Michigan began experiencing numbness in his hands and lower back pain. His job required feeding raw materials through heavy machinery. Eventually his condition became too severe and he was forced to stop work. He was initially approved through Sun Life for long-term disability benefits, but after receiving benefits for almost two years, Sun Life sent him a letter indicating that he no longer fit their definition of disabled.
Scared that his monthly income was in jeopardy, he contacted Fields Disability for help. The attorneys at Fields Disability closely reviewed the claim file from Sun Life and found two key errors. First, Sun Life’s own expert indicated that no occupations could be identified that our client could perform. Second, Sun Life emphasized the fact that our client’s wife owned and operated a family restaurant as evidence that our client could work. Fields Disability attorneys sent a strong appeal to Sun Life which highlighted these errors, and ultimately our client had his benefits reinstated. Our client was relieved to have his monthly income back, and happy to move on with his life.”
2425, mi
“A driver for a courier service became disabled when he developed glaucoma and neck pain. As a result, he was unable to work. Unum, the insurance company, denied the claim for the outset, stating that his conditions fell under a pre-existing condition provision in his policy.
Not sure what he should do, he reached out to Fields Disability. His attorney researched the effective date of the policy to determine if the pre-existing condition clause was valid. Additionally, he closely analyzed the medical records and determined that, even if the pre-existing clause was valid, the man’s neck pain did not meet the definition of pre-existing. On appeal, the insurance company reversed their decision and paid all past-due benefits. The man was very happy that he had a livable monthly income again.”
2385, mi
“Our client worked for a number of years as a security guard at a nuclear power plant, eventually attaining the rank of First Sergeant. After developing degenerative disc disease in the lumbar region of his spine, our client left work and filed a claim for long term disability benefits. He received benefits for just under a year, when Prudential told our client his condition had improved enough to allow him to return to work. Our client was shocked because, if anything, his condition had worsened and made his activities of daily living even more difficult.
After searching for help online, he found Fields Disability. Our attorneys collected medical records and referred our client to a Functional Capacity Evaluation. We submitted the medical records and evaluation to the insurance company along with a memorandum outlining our client’s legal rights under the statute governing the policy. After a brief review, Prudential reversed its decision to deny benefits and started paying our client’s claim. He was very pleased with the final result and decided to hire Fields Disability to manage his claim on an ongoing basis to prevent further wrongful denials.”
2384, mi
“A woman from Michigan suffered from severe pulmonary fibrosis, a condition that makes the simple act of breathing difficult. Her condition was so severe that she had been recommended for a lung transplant. This condition made it impossible for her to work in any capacity. Cigna, her long-term disability insurer, accepted her claim and paid short-term disability benefits. The insurer later denied her claim for long-term disability benefits stating that she had the capacity to perform her own occupation.
Not knowing how to fight the insurance company, she reached out to Fields Disability. The attorneys at Fields began by updating the client’s medical records to provide the full scope of the client’s condition. Once the records were compiled, her attorney drafted a winning appeal which led the insurance company to overturn their denial and reinstate her benefits. The client felt a huge sense of relief that she would once again have a steady source of income to support herself.”
1648, mi
“A cable installer from Michigan was hit head-on in his work truck and sustained shoulder and neck injuries. He took time off work and went back to school to get certified as an electrician. His shoulder and neck issues flared up again due to repetitive work activity and he was forced to stop working. His insurer constantly hassled him for additional documentation and took him off benefits twice saying he had not sufficiently proven his disability.
After an unsuccessful appeal of his insurer’s decision to stop paying, he called Fields Disability for help. Our team gathered all of our client’s medical records. Our attorneys reviewed the medical records and the notes from the insurer and found that our client had been wrongfully denied benefits. We filed a lawsuit in federal court to fight for our client’s rights. During preparation for a hearing, Fields Disability attorneys negotiated a generous lump-sum settlement. Our client was overjoyed to be through fighting the insurance company, and is happy with the help Fields Disability provided.”
1628, mi
“Our client was a lumber yard manager from Michigan suffering with chronic neck pain after undergoing a multilevel neck fusion surgery. He was removed from work and his treating providers noted he could not return to the physical nature of his previous occupation. He applied for long-term disability benefits through his employer’s plan with Greater Georgia Life. Unfortunately, the insurer denied the claim asserting based on its review he could continue to perform the material duties of his occupation.
Our client turned to Fields Disability for help. Our team worked with our client to build an appeal fighting this denial. We wrote to our client’s doctors receiving extensive narrative reports specifically responding to the insurers grounds for denial. Additionally, we pointed out substantial errors in the review that failed to consider all the relevant evidence in the claim file. After receiving our appeal, the insurer reversed its decision, paid our client his backpay, and commenced monthly long-term disability benefits.”
1691, mi
“A woman from Michigan worked as a research specialist for a Native American tribe. Due to her years of working she had developed carpal tunnel syndrome and associated pain and numbness in her hands. Her condition progressed to the point where she could no longer work. She was approved for short-term disability benefits but denied long-term disability. The long-term disability insurer claimed that she could work.
Needing an income to survive and unable to work, she reached out to Fields Disability. Her attorney at Fields Disability drafted and filed an appeal with the insurer which included updated medical records. The appeal was denied and her attorney immediately filed suit in federal court. Leveraging his knowledge of the file and law, her attorney was able to negotiate a settlement with the insurance company which provided her with the security that she needed.”
1698, mi
“A young man who worked as a document processor for a Detroit law firm was hit by a drunk driver. As a result of the accident, he suffered from a disc herniation in his neck, cervical facet syndrome, and a cervical spine sprain. He was in constant pain. He eventually was forced to undergo surgery to fuse his cervical spine at the C4-C5 disc. Due to his condition, he was unable to continue working. His insurer, Principal Life, initially approved him for short-term disability benefits. When he applied for long-term disability benefits, Principal alleged that he was capable of performing his job and denied his benefits.
Unsure of what to do and how to live without an income, he got in touch with Fields Disability. Our attorneys began compiling all of the necessary medical records and reached out to the client’s doctors to obtain narrative reports which detailed his impairments, treatment, and continuing symptoms. Our attorneys then prepared a compelling appeal to submit to the insurer. Upon review, Principal realized that they had made a mistake denying the client’s benefits and they were promptly reinstated. The client was overjoyed to find out that the insurer had reversed their denial and was able to rest easy knowing that he would have income to live off of.”
1710, mi
“Not long after getting his dream job as the director of information technology with a large international business, our client was involved in a car-on-motorcycle collision, which resulted in him striking his helmeted head on the road pavement at freeway speed. Miraculously he spent only a brief period in the hospital and then was released. When he returned to work, however, he began experiencing excruciating headaches and cognitive issues.
He kept his difficulties to himself and continued to do his job. Eventually, however, other employees began to notice that he was slurring his speech and could not track information and numbers and shortly thereafter his employers told him he would need to take leave to care for his medical needs.
He applied for disability and, despite the medical support from his doctors, the disability carrier upheld his denial. The disability carrier reasoned that because he had worked for several months without making complaints to anyone, he wasn’t disabled.
He then hired the Fields Disability and our attorneys reached out to medical providers and obtained records, which clearly documented cognitive difficulties and impairment, and filed an appeal. The disability carrier reviewed the appeal and determined that it would reverse its denial and began making disability payments. This client earnestly wishes to go back to work but will need some time to work through his cognitive issues, and is very appreciative that he now has the money to sustain himself through that period of therapy and healing.”
1632, mi
“Our team represented a worker who was unable to continue his job due to neurocardiogenic syncope, an autonomic nervous system reflex disorder that causes the individual’s heart rate and blood pressure to drop, leading to fainting episodes. In discontinuing the worker’s benefits, the insurance company relied on the opinions of two doctors who had never even seen the man, but felt that he could perform sedentary work based on their review of his medical records. Additionally, the insurance company stated that the man’s restrictions, as provided by his treating doctor, were preventative in nature and not indicative of his ability/inability to perform gainful work.
The Fields Disability team presented a strong appeal to the insurance company, in which they argued that it had not applied the correct standard of disability when it found that our client was not disabled. We argued that the fact that our client’s restrictions were in place to prevent him from fainting and sustaining further injury did not preclude payment of benefits under his policy. The Fields Disability team also gathered updated medical records for the client and illustrated that his condition had not improved since he was initially awarded benefits. Based on these efforts, the insurance company agreed to reinstate the man’s benefits.”
3109, mn
“A public-school employee with trigeminal neuralgia was no longer able to work. After she applied for Long Term Disability benefits herself but was denied, she contacted the team at Fields Disability for assistance.
Because our client had appealed her claim once already, the Fields Disability attorneys filed a lawsuit for the benefits owed to her. Our team gathered medical documentation detailing the severity of our client’s conditions that strengthened our position, which put enough pressure on the insurer to engage in settlement negotiations. Our client was presented with an offer to end the dispute. She accepted the deal and walked away with a significant lump sum payout.”
2735, mn
“A Maintenance Mechanic from Minnesota experienced pain in both knees, and had to use a cane or crutches to walk. His doctor diagnosed him with osteoarthritis and prescribed strong pain medication to ease his symptoms. Ultimately, his condition was too severe and he was forced to stop working. New York Life approved his claim for long term disability benefits. Suddenly, after receiving benefits for over a year, New York Life wrote the mechanic a letter saying they would stop paying benefits because he did not meet their definition of disabled.
Upset over his loss of income, the mechanic contacted Fields Disability for assistance with an appeal. The attorneys at Fields contacted our client’s doctors and obtained updated medical reports. They submitted an appeal to New York Life with the updated medical records attached to strengthen their arguments. Ultimately, New York Life reinstated benefits for our client, and he also received a lump-sum payment for back-pay.”
2570, mn
“A delivery driver from Minnesota was diagnosed with ankylosing spondylitis. Due to his condition, standing or sitting for long periods of time became very painful and he was unable to work. He applied for disability benefits with The Standard Insurance Company and was initially approved, but only for twelve months. After the twelve month period was up, The Standard Insurance Company sent him a letter saying that he was not disabled from Any Occupation, so his benefits would stop.
Shocked, and frightened that his monthly income was taken from him, he called Fields Disability. The attorneys at Fields Disability discovered that the insurer classified our client’s condition as an other limited condition, which limited coverage to only twelve months. Our attorneys compiled strong medical evidence and determined that the insurance company had categorized our client’s ankylosing spondylitis incorrectly. We filed a convincing appeal and The Standard Insurance Company reversed its decision, continuing our client’s monthly benefits and paying back-pay. Our client was pleased with the professionalism of Fields Disability, and relieved to have his monthly benefits reinstated.”
2568, mn
“A Business Systems Analyst was forced to resign from his job due to rhabdomyolysis – a serious disease that leads to breakdown of muscle tissue and kidney damage. His symptoms resulted in a complete inability to keep up with the heavy intellectual demands of his job. The Standard denied benefits outright, stating there was insufficient medical evidence to show the man was unable to perform his own occupation.
The man was indecisive about whether he would hire a lawyer to assist with his appeal. He contacted Fields with just over a month to file his appeal, concerned that it was too late to mount an effective appeal. The Fields attorneys quickly gathered medical evidence from our client’s doctors and requested detailed reports responding to The Standard’s claims. The medical evidence and reports were attached to a legal memorandum citing federal law that supported the case. The Standard reversed its decision and paid the man his benefits, enabling him to bring his mortgage up to date and keep his truck from being repossessed.”
2388, mn
“Our client work in the regulatory division of a large medical technology company. When she suddenly suffered a stroke, she left work indefinitely to focus on her recovery. She submitted a claim for Long Term Disability benefits with her insurer, Reliance Standard, and received a denial letter.
She found Fields Disability online after searching for an attorney to assist with contesting the denial. Our attorneys examined the claim file from Reliance Standard and found numerous oversights. We updated the woman’s medical records and submitted a legal memorandum arguing our client’s case. After a brief review, the insurer agreed to pay our client her benefits.”
2387, mn
“Cigna discontinued Long Term Disability benefits of a long time public service employee and military veteran without notifying him. He never received a call or a denial letter from CIGNA. He was totally blindsided and had no idea how Cigna could possibly think he was able to work.
Fields Disability helped secure the claim file and rationale for discontinuing benefits and appealed the decision. Our attorneys got a comprehensive report from the claimant’s treating doctor outlining the many reasons why full-time work was not an option for our client. Cigna re-instated benefits and awarded claimant with all the back pay he was entitled to under the policy.”
2386, mn
“A Minneapolis man had worked as a Machinist for over 35 years before being forced to leave work as a result of developing camptocormia, congestive heart failure and advanced osteoarthritis of the knees. He applied for long-term disability benefits from his insurance carrier, but was denied. He appealed the insurer’s denial once himself, but received a subsequent denial from the carrier.
Knowing he needed help, he retained Fields Disability to represent him and fight the insurance company. His Fields attorney began building his appeal by reviewing the insurer’s denial letter claims and drafting pointed arguments to counter them. The Fields team also acquired significant medical records proving our client’s disability and a narrative report from his primary treating physician. Fields Disability then submitted the completed appeal. After reconsideration, the insurer overturned their prior denial and approved our client’s benefits. He soon also received a check for the back benefits from his date of disability.”
1784, mn
“A Minnesota employee had worked as Classroom Teacher for a public school before becoming disabled after suffering a head injury following a motor vehicle accident. By an impersonal letter, her long-term disability insurance carrier notified this teacher that her disability benefits were denied because she no longer met the definition of “Disability.” The insurance carrier claimed that there was no medical evidence to support this teacher’s inability to perform the Material and Substantial duties of her Regular Occupation.
Upset at her sudden loss of income, she called Fields Disability for help appealing the insurance carrier’s decision. The attorneys at Fields Disability contacted our client’s doctors to compile reports of all of her symptoms and treatments, as well as narrative reports. After submitting her appeal, the insurance carrier determined to reverse its previous decision and issued a check for the months it failed to pay this teacher.”
1669, mn
“Our client was a teacher from Minnesota, suffering from Generalized Anxiety Disorder, Depression, and Obsessive-Compulsive Disorder. His treating doctors recommended he stop working due to his severe conditions. He applied for disability benefits through his employer’s plan with Madison National. Unfortunately, Madison National denied our client’s claim asserting there was a lack of objective findings substantiating his limitations and restrictions.
Our client turned to Fields Disability for help. Our attorneys put together an appeal outlining the substantial medical evidence that was selectively cited, misstated, and ignored during the initial claim determination. Additionally, we received narrative reports from our client’s treating doctors establishing the basis for their opinions and the limitations they assessed for our client. After receiving our appeal, Madison National reversed its decision and paid our client his backpay.”
1743, mn
“An elementary school teacher and military veteran began having intense feelings of anxiety and depression. He sought treatment unsuccessfully for a few years, and ultimately had to stop working. He applied for long-term disability benefits through Sun Life so that he could seek adequate treatment without the stress of working. Despite his symptoms intensifying at work, Sun Life wrote a letter denying him benefits and saying that he could return to work full-time.
Frustrated that Sun Life seemed to ignore his symptoms, he contacted Fields Disability for help with an appeal. The attorneys at Fields Disability reviewed the medical records from Sun Life and found that the insurance company ignored a key doctor’s report. Our attorneys called the doctor and had him write a letter supporting the appeal. Sun Life overturned their decision, granting our client ongoing benefits and awarding him a lump-sum payment for back-pay. Our client is relieved to be able to focus totally on treatment and not his fight with the insurance company.”
1667, mn
“An English teacher from Minnesota began feeling dizzy and fatigued. Her doctor referred her to a neurologist who discovered lesions on her brain and diagnosed her with Multiple Sclerosis. The bouts of dizziness and vertigo became too severe and forced her to stop working for about six months. She applied for short-term disability benefits through her employee insurance plan with Madison National Life Insurance. They denied her benefits, saying that she did not meet their definition of disabled.
Frustrated and concerned about her loss of income, she contacted Fields Disability for help with an appeal. The attorneys at Fields contacted our client’s doctors and built a strong appeal. Our client received regular updates on the appeal and was kept informed every step of the way. Ultimately, the appeal was successful and Madison National approved her claim. She received a lump-sum check for her benefits and was happy to use the funds to continue her treatments.”
1756, mn
“A woman who worked for many years as a personnel officer for the state was unable to continue to work due to a number of serious and debilitating mental health conditions including anxiety, depression, panic attacks, bipolar 1 disorder, and ADHD. The insurance company accepted her claim and paid her long term disability benefits for two years under the own occupation definition of disability.
After two years, the insurance company continued to pay benefits under the any occupation definition of disability. Despite the woman’s continuing impairments and limitations, the insurance company discontinued her benefits based on an Independent Review Report prepared by a doctor who reviewed the woman’s medical records.
Confused and distraught about the insurance company’s action, the woman called Fields Disability for help. Our team immediately began working on an appeal to fight the insurance company’s discontinuation of benefits. We argued they had ignored important parts of our client’s records, which showed that her condition had not improved and that she continued to suffer from limitations that make her disabled from any occupation. The appeal was a success, and the insurance company reinstated our client’s long-term disability benefits. Our client was put at ease, knowing that she would have financial security despite her disabling mental health conditions.”
1763, mn
“Depression rendered a 56-year old woman incapable of performing her job as a Financial Analysis Manager. Her job required a high degree of critical thinking and organizational skills. The woman’s treating psychologist told The Standard that the woman was not capable of performing her job duties, but The Standard ignored the doctor and refused to pay the woman her short-term disability benefits.
The woman turned to Fields Disability for help. Our team assembled an appeal in which we argued that our client’s treating doctors’ opinions were more credible than the doctor that The Standard hired to opine that our client was not disabled. In the end, The Standard was forced to overturn their previous denial of benefits and the woman received payments dating back several months.”
1670, mn
“The insurance company took away benefits from a disabled custodian who worked at public school. The man suffered from bilateral knee problems. He injured both of his knees when he fell on ice. The insurance company argued that the custodian was able to perform a sedentary or light job, and therefore, was not entitled to benefits. It based its decision on results of a functional capacity evaluation that was never even conducted.
The man retained Fields Disability to represent him in appealing the erroneous decision. Our team prepared an appeal by gathering evidence to show that the man is precluded from performing the substantial and material duties of any job. This meant obtaining support from his doctors and a vocational expert. We were successful in our appeal and the man was awarded his benefits. He was relieved knowing that he had financial security despite his inability to work.”
1785, mn
“A woman who worked as a Child Support Officer for her local county was denied disability benefits after becoming unable to work due to her battle with lower extremity lymphedema. This condition caused severe swelling in her legs that affected her gait and her ability to balance, which caused her to fall frequently. The woman also suffered from depression and had significant cognitive impairments, including memory problems and inability to concentrate.
She was confused and distraught about the denial of her benefits. The woman knew she needed to appeal the denial but her insurance policy was complex and she was unsure of the process. The attorneys at Fields Disability helped the woman with her case from beginning to end. We reached out to three of our client’s treating physicians to get the information needed to reverse the insurance company’s denial. Our client found peace in knowing that she would not have to worry about paying her bills.”
1668, mn
“The insurance company denied a probation officer her long-term disability after she became unable to work with her clients due to her mental health. The disabled worker retained our firm to represent her in appealing the insurance company’s denial. The insurer relied on the opinion of a doctor who had never seen our client and who discounted and erroneously ignored valid neuropsychological testing that demonstrated our client’s inability to work. The denial did not even consider how her mental limitations affected her ability to do her job.
Our long term disability lawyers prepared an appeal for our client, which demonstrated the validity of the neuropsychological testing and obtained a letter from our client’s treating doctors to support her disability. In the end, the insurance company reversed its denial of benefits and our client received back pay as well as ongoing monthly benefits.”
2557, ms
“A Sales Inspector developed severe low back and neck pain after working for a number of years and was no longer able to work. He applied for and received long-term disability benefits for the entire period where he was insured against his Own Occupation. He was denied when the definition of disability changed. The long-term disability insurer stated he could return to work full-time at sedentary-type jobs.
The attorneys at Fields Disability were hired to file a lawsuit against the insurance company. After reviewing the case, the Fields attorneys determined that the value of the claim would be zeroed out if our client was approved Social Security Disability, due to an overpayment. The Fields attorneys approached the insurer about a waiver of the potential overpayment for an agreement not to sue the insurer. The Insurer agreed that if our client was approved for Social Security Disability, our client would get to keep the backpay and not have to pay any overpayment fees.”
2487, ms
“A welder from Mississippi worked for 17 years before he had to stop due to Transient Cerebral Ischemia, diverticulitis, narcolepsy, chronic back pain, sciatica, glaucoma, and blurred vision. The individual applied for Long Term Disability benefits through Prudential, but his insurer stated that he had not provided any restrictions or limitations that would prevent him from returning to work as a welder. Prudential stated that since he failed to be disabled through the Elimination Period, he was not eligible for benefits. The welder decided to appeal this determination without legal representation, and he was denied yet again.
After receiving the denial of his appeal, he contacted the attorneys at Fields Disability to assist him. Our attorneys contacted our client’s doctors to compile reports of all of his symptoms and treatments and submitted a comprehensive appeal to Prudential. After receiving our attorneys’ appeal, they overturned their previous decisions and paid all the outstanding Long Term Disability benefits immediately.”
2420, ms
“A casino floor supervisor had long-term pain in her hands and feet. She was constantly on her feet at her job which made treatment difficult. Her symptoms worsened over time and eventually she was forced to stop work. She applied for long-term disability benefits from her employee insurance company was denied. The insurance company said that despite her condition, she was able to continue working.
Shocked at the decision, and worried about losing her income, she contacted Fields Disability for help with an appeal. Fields attorneys compiled updated medical records from our client’s doctors and sent a strong appeal to the insurance company. While the insurance company was reviewing the claim, our Attorneys were able to negotiate a generous lump-sum settlement. Our client was pleased with the settlement check, and was happy to put the fight against the insurance company behind her.”
2416, ms
“A Logistics Clerk in Mississippi developed severe liver issues that impacted her ability to work in even sedentary clerical jobs. She left work and applied for Long Term Disability benefits. Her insurer initially approved the claim and paid benefits for 24 months. However, Reliance Standard notified our client that her benefits were discontinued beyond 24 months because it believed her liver conditions were due to alcohol abuse, which was subject to a limited payment period.
After discovering the firm on the internet, she contacted Fields Disability. Our attorneys assembled an appeal using commentary from our client’s doctor stating that her liver issues were multifactorial, and it was impossible to quantify how much was related to alcohol versus other factors. After a brief review, Reliance Standard awarded benefits to our client. ”
1603, ms
“Our client worked for a number of years as an aircraft mechanic for an international aircraft manufacturer. After developing degenerative arthritis leading to bilateral total knee replacement surgeries, our client left work and filed a claim for long term disability benefits. He received benefits for approximately two years, when Cigna told our client his condition had improved enough to allow him to return to work at a number of sedentary jobs.
The man found Fields Disability after searching for help online. We collected medical records and secured a supportive report from the treating doctor. We submitted the medical records and report to the insurance company along with a memorandum outlining our client’s legal rights under the statute governing the policy. After a brief review, Cigna reversed its decision to deny benefits and started paying our client’s claim. He was very pleased with the final result and decided to hire Fields Disability to manage his claim on an ongoing basis to prevent further wrongful denials.”
1727, ms
“A woman in Mississippi suffered a torn rotator cuff in her left shoulder. Due to her condition, she was unable to continue working in her physically demanding job, and was awarded long-term disability benefits by her insurer Reliance Standard. Over two years later, her insurer cut off her benefits claiming that she was no longer disabled under her policy. The insurer claimed that after reviewing her medical records that she had the ability to work certain jobs which the insurer had identified.
Unsure of how to fight the insurance company and uncertain of a future with limited education and work prospects, she reached out to Fields Disability for help. The attorneys at Fields went to work updating the client’s medical records to submit to the insurance company. We then argued that the insurance company had made critical mistakes in their determination of the client’s case. Upon review, the insurance company reversed their decision and recommenced the payment of monthly benefits. The client found tremendous relief at getting her benefits reinstated and was able to put her mind at ease.”
1761, ms
“A Mississippi man who worked in a warehouse and drove a forklift suddenly developed excruciating, intractable migraine headaches. His headaches, at times, became so penetrating he couldn’t see straight nor maintain his balance, and would frequently need to sit down until these terrifying episodes would go away. His doctors ordered MRI scans which did not reveal abnormalities in his brain. Bravely, he continued with his job but, eventually, out of fear of hurting fellow co-workers, not to mention damaging one of the businesses few forklifts, he filed for disability with The Standard who, thankfully, granted disability payments for a period of time. After a medical review and discovering a lack of abnormal findings on MRI or CT scans, The Standard made the decision to discontinue benefits and cease disability payments.
He needed help working with the insurance company and came to Fields Disability. Our attorneys gathered supporting documentation from his medical providers, and built a flawless case to support his claim for long-term disability benefits. Our team of attorneys presented an appeal asserting that The Standard selectively ignored evidence in his records and failed to properly recognize his client’s debilitating migraines, which qualified him as disabled under the policy. The Standard overturned its decision, granting the long-term disability benefits he deserved. He was happy with the result and soon began to receive regular checks in the mail.”
1695, ms
“A Mississippi woman worked as a switchboard operator at a local medical center when she unexpectedly suffered a brain aneurysm. The woman also suffered from disc bulges, hypertension, type II diabetes, acute sinusitis, and joint pain. Despite her conditions, she bravely managed to continue working. However, two years later she suffered another aneurysm in a different part of her brain, and had to undergo emergency surgery to repair the damage. She was forced to leave work as a result of her worsening conditions, but applied for and was granted short-term disability benefits. Shortly thereafter, she also applied for long-term disability benefits from her insurer Mutual of Omaha, but was denied. Mutual of Omaha claimed that her brain aneurysm was a pre-existing condition, and refused to provide benefits.
She needed help fighting the insurance company, so she came straight to Fields Disability knowing our expertise would win her case. Our team of attorneys got to work right away, gathering supporting documentation from her medical providers, and building a case to support her claim for long-term disability benefits. We wrote an appeal of the insurance company’s decision, arguing that Mutual of Omaha selectively ignored evidence in her records and failed to properly understand her conditions as they related to her policy. With notice of their failings, and our clarification of their own policy, Mutual of Omaha soon overturned their decision and granted our client the long-term disability benefits she deserved. Our client was very pleased with the result, and soon began to receive regular checks in the mail.”
1777, ms
“A security guard from Minnesota began experiencing panic attacks and anxiety. Her symptoms worsened and eventually she was unable to sleep for more than an hour at a time. She was forced to stop working. She applied for long term disability benefits from the disability insurance company, but was informed that she did not meet their definition of disabled.
Upset and worried about her lost income, she contacted the Long Term Disability attorneys at Fields Disability for help mounting an appeal against the insurer. Our attorneys reviewed the medical record and contacted our client’s doctors to obtain reports detailing symptoms and treatments.
The medical records from the initial decision were reinforced with the new reports and ultimately the long term disability insurance company overturned their decision. Our client was awarded backpay and ongoing benefits. She was happy to have her benefits paid and to continue her treatment without the fight against her insurance company.”
2602, mo
“A woman from Saint Louis, Missouri had been suffering from severe disabling abdominal pain and joint pain secondary to her chronic Crohn’s conditions. Because of the chronic pain these conditions caused, she was forced to leave work on doctor’s recommendations. She applied for long term disability benefits, which were denied at application. The insurance company had obtained a questionnaire completed by the client’s shoulder surgeon unfamiliar with the client’s Crohn’s conditions who stated that the client had fully recovered from her shoulder surgery and was therefore capable of returning to her sedentary computer support specialist job.
The Fields attorneys requested the insurer’s claim file and thoroughly reviewed the internal notes for flaws in their analysis, requested letters of support from the client’s doctors and put together a well-honed appeal of the insurer’s denial decision. Further, Fields attorneys coordinated with our client’s providers and obtained updated medical records. When the appeal was submitted, the updated records obtained more than doubled the insurer’s original claim file. With the updated medical records submitted in support of the client’s appeal, the insurance company was forced to eventually approve the Fields Disability appeal and continue to pay our client’s disability benefits.”
2443, mo
“A 45-year-old woman from Missouri formerly worked as a Real Estate Sales Comparable Analyst for several years before she stopped working due to her constant dizziness, joint pain, major anxiety, and major depressive disorder. After the expiration of her short-term benefits, she became eligible for long-term disability benefits from her policy’s carrier, Sun Life. She was initially approved for long-term disability benefits by Sun Life; however, Sun Life terminated her long-term benefits, indicating no benefits were payable because she did not meet the Definition of Disability. Sun Life specifically denied her long-term benefits, because there was a lack of medical evidence to support her inability to perform the material and substantial duties of her Own Occupation as a Real Estate Sales Comparable Analyst.
After receiving the letter from Sun Life terminating her benefits, she contacted the attorneys at Fields Disability to assist her in her appeal. The attorneys at Fields Disability contacted our client’s doctors to compile reports of all of her symptoms and treatments and submitted a comprehensive appeal to Sun Life. After receiving Fields Disability’s appeal, Sun Life overturned their previous decision and paid all the outstanding long-term disability benefits immediately. The client was elated by making the decision to hire Fields Disability.”
2430, mo
“Prior to developing chronic pain syndrome, fibromyalgia, and degenerative arthritis in her knees, our client was a happy and healthy Nurse Practitioner who had served as an Air Force Officer for twenty years. She enjoyed hiking, nature, travel, cooking, theater, and dance. However, as her health difficulties progressed, she was unable to continue to provide the excellent standard of care her patients were accustomed to. Moreover, she began to worry about the safety of her patients given her profound fatigue, malaise, chronic pain, and tearfulness. She left work at the advice of her treating doctors and submitted a claim to Lincoln Financial, her long-term disability insurance company. Lincoln Financial initially approved benefits and paid our client for a little over a year. However, it denied benefits based on the medical review of an independent doctor.
Our client found Fields Disability after searching for help online. Our attorneys secured the claim file from the insurer and determined the medical evidence that was needed to overturn the denial. After securing reports from our client’s doctors, the appeal was submitted for the insurer’s review. Shortly thereafter, the insurer reinstated the claim and paid our client her benefits.”
2427, mo
“A dialysis technician from Missouri experienced escalating back pain after fusion surgery. She was on her feet all day for work, and her symptoms made work impossible. For a while she received disability benefits from her employer provided insurance plan, but the payments suddenly stopped because the insurer said her condition was pre-existing and not covered by the policy.
Worried about her lost income, she called Fields Disability for assistance. Our support team reached out to the insurance company for a complete copy of the claim file. While receipt of the claim file was pending, our attorneys began drafting an appeal of the decision based on medical evidence. The first appeal was unsuccessful, but our team diligently pushed for the entire claim file and Fields attorneys discovered that the insurance company was misinterpreting their own policy provisions. We filed a second appeal to fight for our client’s benefits and the insurer relented. Our client received a lump sum payment for back-pay and ongoing monthly benefits. She is very happy with the diligent representation from Fields Disability.”
2418, mo
“A maintenance supervisor began losing his memory and having balance issues after a minor heart attack. His job was overseeing airplane maintenance, and it required lots of lifting, decision-making, and attention to detail. The severity of his symptoms made work impossible. He applied for short term disability benefits through his employee benefits and was denied by the insurance company.
Worried about his lost income, he contacted Fields Disability for assistance. Our attorneys gathered the entire claim file from the insurer and medical records from six different doctors to build a strong case for our client. The insurance company used the opinion of one doctor over all the others, and did not fully consider our client’s health problems. Armed with strong evidence, Fields attorneys sent a strong appeal to the insurance company. The decision was reversed and our client received a lump sum check for back pay. He was so pleased with the professional advocacy that Fields Disability provided, he hired our office for assistance with an application for long-term benefits.”
1602, mo
“A 59 year-old maintenance repair technician became disabled after suffering a stroke. His job required him to perform heavy lifting and look after heavy equipment. Cigna paid his claim for the entire Own Occupation period. However, when the definition of disability switched to Any Occupation, Cigna denied benefits.
The man hired Fields to appeal the decision. Our attorneys reached out to the medical staff at the man’s primary care clinic and requested a narrative report documenting the severe ongoing neurological issues. This report was submitted with updated medical records and legal arguments arguing the man’s case. Cigna reinstated benefits after receiving the documentation. The man was able to continue treating for his condition with the financial burden of the denial behind him.”
1699, mo
“A nurse supervisor from Missouri was diagnosed with multiple sclerosis. She took medication to offset her symptoms but eventually she began feeling extreme fatigue and cognition problems. She got into a car accident because her right leg suddenly went numb. She was forced to stop working. She applied for long-term disability but was denied by the insurance company and was told she could return to work.
With her symptoms worsening and her income gone, she called Fields Disability for help. Our team gathered all our client’s medical records as well as the insurance company’s file. Our attorneys ordered additional neurologic evaluations. Once the evidence was strengthened, Fields attorneys sent a strong appeal to the insurer. The denial was overturned and our client received a lump-sum benefit for back-pay and was awarded ongoing monthly benefits. She was overjoyed with the help Fields Disability provided, and used the back-pay check to catch up on bills and continue treatment.”
1623, mo
“A 63-year-old Chemist from Missouri who formerly worked at a large candy company as a Research and Development Chemist suffered from chronic breathing conditions, chronic headaches, deep vein thrombosis, pulmonary emboli, and multiple sites of degenerative joint disease. He initially received long-term disability benefits, but after a few months he was sent a letter explaining that benefits would stop because he no longer met the insurers definition of disabled. The attorneys at Fields Disability submitted an appeal with two independent medical evaluations and several reports from his physicians. The insurer decided to still deny him his benefits.
Our attorneys filed a lawsuit against the insurance company in federal court to fight for our client. During preparation for trial, Fields Disability attorneys were able to negotiate a generous lump-sum settlement for our client. He was overjoyed with the resolution of his case.”
1753, mo
“Our client was a warehouse manager from Missouri. Unfortunately, he suffered from a long history of lymphoma, requiring significant chemotherapy. Our client battled through his cancer treatments and returned to work when he began to suffer from the long term side effects and symptoms from chemotherapy, including Peripheral Neuropathy, Chronic Fatigue, Pulmonary Embolus, and a major Neurocognitive Disorder. He applied for long-term disability benefits through The Hartford, but The Hartford denied his claim. The Hartford asserted he had appeared to have recovered from his cancer diagnosis, and appeared capable of performing his own occupation without any restrictions.
His next step was to reach out to Fields Disability for help. Our client retained Fields Disability to help him apply for Social Security Disability benefits and fight The Hartford’s denial of long-term disability. Our team was able to successfully gather the evidence necessary to win both his Social Security Disability benefits at the application stage, and convince The Hartford to overturn its denial of long-term disability benefits. We established that all of the independent medical evidence in this case supported our client’s treating doctor and her opinion that our client could not work with his severe fatigue and cognitive side effects.”
1660, mo
“An office manager and mother of two from Missouri suffered from the effects of Arnold-Chiari Syndrome. This included frequent blackouts and migraine headaches. As a result, she could not continue working. Her Long Term Disability carrier, Lincoln Financial, accepted her claim and paid benefits. The insurer later cut off her benefits claiming that the medical records did not show she was unable to perform her own occupation.
Unsure of what to do, she reached out to Fields Disability. The Fields attorneys began updating our client’s medical records to submit to Lincoln Financial. In addition, we worked with her neurosurgeon to provide a narrative report which highlighted the effects of her condition. Upon review, Lincoln Financial reversed their decision and reinstated her monthly benefits.”
1768, mo
“As an experienced cardiac sonographer, our client loved her career and intended to stay with her employer until she retired. Unfortunately, she progressively developed difficulty with cognition, weakness and maintaining balance while walking and standing. Initially, she assumed the symptoms would go way, but when they didn’t, she became more feel fearful for her patients and the doctors for whom she worked. Her doctor eventually diagnosed multiple sclerosis. As the symptoms worsened, she was left with no choice but to file a claim for long-term disability. At first, her insurer granted disability payments, but after a medical review the insurance company reversed its decision and denied benefits.
Frightened at the prospect of having no income to pay her bills, she hired Fields Disability. Fields Disability attorneys reached out to her medical providers for supporting medical records and reports documenting objective signs of multiple sclerosis. When the insurer refused to reverse its decision, our attorneys filed a lawsuit and were able to achieve a more than reasonable settlement offer for our client. Though she would prefer to be in a hospital helping others with heart difficulties, she is happy that she has the financial ability to pay her bills and live her life.”
3074, mt
“A field specialist for an oil company in the oil fields in North Dakota suffered an injury to his knee which prevented him from continuing to working. He later developed chronic and severe back pain due which resulted from his knee injury. Due to a combination of these impairments he was no longer capable of working in any capacity because of his chronic and debilitating pain. He applied for Long Term Disability benefits and was initially approved. New York Life later denied his benefits, but after retaining Fields Disability to submit an appeal, the denial was overturned, and benefits were reinstated.
When New York Life denied his benefits a second time, he reached out to Fields Disability once again. Our attorneys were able to put together a compelling appeal which articulated why the insurer’s denial was improper. The appeal also included updated medical information which outlined the symptoms that our client dealt with on a daily basis as well as MRI scans showing his physical impairments. On review, New York Life overturned their denial, made payment to our client of benefits that were past due, and resumed paying his benefits on a monthly basis.”
3077, mt
“A feeder combine driver from Montana was diagnosed with bipolar disorder causing him to be unable to work. He applied for Long Term Disability benefits, but was denied by the insurer. He retained Fields Disability to fight for his claim.
The Fields team appealed his denial, but the insurer maintained their position claiming the medical evidence still didn’t support impairment. The Fields Disability attorneys filed a second mandatory appeal, but the insurer didn’t change their position, so the Fields attorneys filed a lawsuit against the insurer in federal court. The parties litigated the claim for several months before the Fields attorneys sent a demand for settlement. The insurer soon returned a counteroffer and the Fields attorneys then successfully negotiated a lump sum settlement of our client’s Long Term Disability claim. ”
3080, mt
“A Pharmacy Technician worked until her medical conditions became disabling and forced her out of work. Her initial claim for Long Term Disability benefits was denied by the insurer, so she attempted an appeal without the assistance of counsel. When her appeal was also denied, she contacted the professionals at Fields Disability for assistance.
Because our client had already used her appeal attempt, our sole recourse against the insurer was to file a lawsuit. Due to a unique insurance policy at issue, the case was unusually complicated. As a result, our attorneys determined that pursuing a settlement was the best course of action. We sent an initial demand to the insurer, and negotiations began. After trading several offers and counteroffers, our client was eventually presented with an acceptable offer. She gladly accepted the lump sum payout, and was happy with the deal she ended up with.”
3083, mt
“A Secretary/Accountant was forced to stop working for her local school district due to frequent migraines and problems with concentration and executive functioning. When her insurer denied her claim for Long Term Disability benefits, she turned to Fields Disability for help with an appeal.
Our team gathered her medical records and submitted an appeal on her behalf. While the appeal was being built, our client was able to return to work full-time for a different employer, but in a similar line of work. Knowing that only back-payment was at stake, the insurer offered to settle her case for over half of the benefits owed. Rather than wait through the lengthy review process, our client accepted the offer and was paid most of the past benefits owed.”
1644, mt
“Our client worked for a number of years as a store manager for a large national retailer. She developed severe respiratory difficulties and Cushing’s disease, and filed a claim for long term disability benefits. She received benefits for approximately one year, when Liberty suddenly told our client her condition had improved enough to allow her to return to work at a number of desk jobs.
The woman submitted an appeal, but during the review process she became increasingly skeptical that Liberty wasn’t handling the claim fairly. She found Fields Disability after searching for help online. Our attorneys collaborated with the woman to quickly collect medical records and narrative reports. After reviewing the medical records, our attorneys referred the woman to a functional capacity evaluation. Just a few weeks after the woman hired Fields Disability, our attorneys submitted the medical records, report, and evaluation to the insurance company along with a memorandum outlining our client’s legal rights under the statute governing the policy. After a brief review, Liberty reversed its decision to deny benefits and started paying our client’s claim.”
1728, ne
“A registered nurse became disabled when her heart function reduced to dangerously low levels. As a result, she was unable to keep up with her duties taking care of patients. Reliance Standard, her long-term disability insurer, denied the claim for the outset, stating that the medical records did not show sufficient evidence she was unable to work as of her date of disability.
Not sure what he should do, she reached out to Fields Disability. Her attorney went right to work requesting detailed narrative reports from the woman’s cardiological care team. Additionally, the attorney assisted the nurse in drafting a sworn statement discussing the events leading up to her disability. The insurance company reversed their decision and paid all past-due benefits. The woman was so impressed with her attorney at Fields Disability that she hired him to represent her on an ongoing basis.”
1778, ne
“A metal shop supervisor had surgery for a severe neck injury. Her neck pain after surgery was severe and her range of motion became limited and she was forced to quit working. She was approved for long-term disability benefits through Unum. After receiving benefits, and being unable to work for 15 years, Unum told her that she would no longer receive benefits and that she could return to work.
Angry at the insurance company and worried about her lost income, she contacted Fields Disability for assistance. Our attorneys obtained Unum’s file and contacted our client’s treating physician. After reviewing the documents, Fields attorneys realized Unum missed a key report from our client’s doctor. Our attorneys filed a strong appeal, and Unum overturned their denial. Our client received a lump-sum check for back pay and has been awarded ongoing benefits. She is overjoyed to be done fighting the insurance company, and is happy to have her monthly income restored.”
1624, ne
“A woman from Nebraska had worked as an underwriter for State Farm Insurance. She suffered from a history of chronic neck pain which eventually required the fusion surgery and a neurostimulator implant. The pain prevented her from working in any capacity, even in her sedentary job. The long-term disability insurer initially accepted the claim and paid benefits for two years. After two years, the insurer denied her claim for benefits stating that they believed she could work in other occupations which they had identified.
Not knowing what she was supposed to do, she hired the attorneys at Fields Disability. Her attorney at Fields Disability provided the insurer with all of the necessary medical records and reports from doctors supporting her disability. The insurer denied the appeal and the Fields Disability attorneys responded by filing a lawsuit in federal court. After negotiation, we were able to reach a settlement which provide incredible value to our client while mitigating any risk of the client ending up with nothing. The client was very pleased with the settlement and never having to deal with the insurer again.”
1605, ne
“Our client was a 59-year-old commercial sales representative of ADT whose primary responsibilities were to sell and create plans for alarm systems with large commercial businesses. He loved his job, particularly interacting with customers and meeting their needs to protect not only their facilities, but also their intellectual property.
Unfortunately, one day he developed a severe headache that kept him out of work for several days. He assumed the headache would go away as, at times, Tylenol and ibuprofen would ease the pain. But, when the headache increased and persisted to where it became unbearable, he saw a doctor who diagnosed severe migraines and started him on a treatment plan. While the treatment plan provided some improvement, the headaches affected his ability to do his job which required focus, concentration and an outgoing personality.
He could no longer do his job and filed for disability. Despite medical records clearly documenting the severity of the headaches, the disability insurer denied the application for benefits.
Left with no options and a lack of income to support his family, he hired Fields Disability. The attorneys at Fields Disability engaged his doctors, assembled medical records and reports, and filed a successful, favorable appeal. To his great relief, the disability payments and back pay were issued and he could now meet the financial needs of his family and continue with his treatment plans with the hopes of resolving his medical condition and returning to full-time work.”
2595, nv
“Our client was a Director of Sales and Marketing who developed severe heart disease and associated anxiety and depression. He left work at the advice of his doctors and submitted a claim to his disability insurance carrier, which paid the short term claim but denied the long term claim. The insurer claimed that our client’s conditions were pre-existing under the terms of the policy and refused to pay.
However, the man had only taken blood pressure medication and had never been diagnosed with heart disease in the lookback period. The Fields attorneys argued that our clients conditions were not pre-existing and merely a risk factor for his later heart condition. After filing a lawsuit in federal court, the Fields attorneys assisted our client in negotiating a favorable settlement to resolve the dispute.”
2537, nv
“Our client had worked as a housekeeping supervisor for one of the major casinos in Las Vegas. Several years ago, she had developed severe back conditions, necessitating surgery. Unfortunately, the operation was unsuccessful and permanently damaged her spine. She was granted long-term disability benefits for two years, but her benefits were then terminated upon her policy’s change in the definition of disability from Own occupation to Any occupation.
She retained Fields Disability to help her fight for her disability benefits. Our team of attorneys got in touch with her treating providers and secured letters of support. They also acquired updated medical records from the various clinics where she treated. The Fields disability team submitted a lengthy appeal of the benefits termination, but the insurer upheld their prior decision. Our client was interested in pursuing the case further, and the Fields lawyers filed a lawsuit on her behalf. Faced with mounting litigation, the insurer finally made a settlement offer which was agreeable to our client, and she was able to receive a check in the mail soon afterward.”
1770, nv
“A 56-year-old client who worked in a highly physically demanding job suffered from degenerative disc disease which resulted in lumbar neuropathy which, at times, was very debilitating. Actually, his doctors imposed fairly lax restrictions, but as the pain increased, imposed restrictions and limitations, particularly with sitting, walking, standing, bending, pushing pulling and reaching, to name a few, which rendered him disabled and unable to work. He applied for disability, which was granted but only temporarily, when the insurance carrier told him he should be able to return to work and discontinued benefits.
On his own, he tried to persuade the disability carrier to change his decision and grant him the much-needed disability benefits, while he went through physical therapy and treatment with the hopes of returning to the workforce. The disability carrier refused, and he hired Fields Disability who obtained the necessary medical support to force the disability carrier to reverse its position.”
1779, nv
“A Nevada woman had worked as an Accounts Receivable Clerk for many years before she was involved in a serious car accident. She suffered numerous injuries in the accident including a compound fracture of her right ulna and a traumatic brain injury. She ended up undergoing four failed surgeries on her right forearm, and eventually underwent a fifth surgery which just barely managed to stabilize her condition.
However, she suffered from persistent pain and immobility in her right arm. She had also developed carpal tunnel syndrome, cognitive deficits, and a variety of mental health conditions after the accident and subsequent recovery. She applied for long-term disability benefits from her insurance carrier, but was denied upon application. In their denial letter, the insurer claimed that her conditions had improved to the point where she could return to work.
Knowing she needed help, and having just given birth to a baby son, the woman sought out help. She contacted Fields Disability, and quickly signed on our team of disability attorneys to appeal the insurer’s denial decision. We gathered extensive medical documentation of her recovery and functional capabilities, outlining the path of her recovery. In addition, we secured a functional capacity assessment from her physical therapist, a narrative report from her primary care physician, and a specialized vocational report from a third party expert.
The Fields team ended up submitting hundreds of pages of exhibits with our already lengthy appeal proving our client’s disabled status. The insurer was forced to review all of the documentation, and upon consideration overturn their prior denial of our client’s benefits. Back pay check in hand, the woman was able to fall back on her now reinstated benefits, focus on her recovery and care for her newborn son.”
1738, nv
“A stage-show automation technician was in a car accident when another driver ran a red light. He experienced severe back-pain after the accident and imaging of his spine showed damage at multiple locations. He could no longer continue working because his job required lifting heavy automated components. His employer-provided disability insurer gave him monthly benefits for a couple of years, but then they suddenly stopped paying because he no longer fit their definition of disabled.
Unable to return to work, he contacted Fields Disability for help. Our team obtained over 2000 pages of medical records and ordered updated reports from our client’s doctors to support the claim for benefits. Our attorneys compiled the evidence and sent a strong appeal to the insurer. The insurance company did not overturn the decision, but our attorneys filed a lawsuit in federal court. During preparations for a hearing, Fields attorneys negotiated a generous lump-sum settlement. Our client was pleased with the check and happy with the professional advocacy from Fields Disability.”
1646, nv
“As a Payroll Service Manager, our client very much enjoyed her work and was a valued employee prior to becoming disabled. She worked at call center as a supervisor, and was responsible for day to day supervision of staff, responding to inquiries ranging from routine to complex, resolving concerns from internal and external customers regarding payroll products and tax services. However, she was unable to perform these material duties because she suffered from diabetes, Charcot arthropathy, neuropathic foot ulceration, osteoarthritis, morbid obesity, hyperlipidemia and hypertension, which were all well-documented in her records.
She initially received short-term disability benefits from Liberty Mutual, but after a few months, she was sent a letter explaining that benefits would stop because Liberty Mutual believed she could go back to work as a Payroll Service Manager. After this determination, she applied for long-term disability benefits, which Liberty Mutual denied because her job was a sedentary occupation and Liberty Mutual believed she could perform the main job duties of her own occupation.
Understandably upset with Liberty Mutual’s determinations, she called Fields Disability for help appealing Liberty Mutual’s decision. The attorneys at Fields Disability contacted our client’s doctors to compile reports of all of her symptoms and treatments and submitted a comprehensive appeal. Liberty Mutual reviewed the appeal Fields Disability submitted, and determined it was wrong in denying her the Long-Term Disability benefits that she rightly deserved, and reversed its denial of benefits. The client was ecstatic, but dumbfounded how Fields Disability was able to get the decision to deny benefits reversed after being denied on multiple occasions by Liberty Mutual.”
1782, nv
“A man from Nevada worked as a sales representative for a vacation company. He suffered from pulmonary embolism which disabled him from any work. In addition to the pulmonary embolism, he also suffered from chronic fatigue and chronic pain. His long-term disability insurer initially accepted his claim. After paying benefits for two years, they denied his claim. They asserted that the client had the functional capacity to work a sedentary job.
Frustrated and not sure how to fight the insurance company, he found the attorneys at Fields Disability. His attorney at Fields reviewed all of the records the insurance company had and began getting updated records to provide. During the appeal process, our client was approved for Social Security Disability which created a large overpayment claim. With the remaining exposure on the claim smaller than the overpayment, his attorney worked with the insurance company to have the overpayment waived. Our client was elated that he would not have to pay back all of that money to the insurance company and was even more relieved to be done with the insurer.”
2610, nh
“A Distribution Designer from New Hampshire developed a variety of conditions including Pancreatic Cancer, Multiple Hernia Mesh Surgeries, Uncontrolled Diabetes and Gastroparesis. Unable to work anymore, she left her job and applied for disability benefits. The insurance company approved her long-term benefits, but meanwhile quietly watched her medical treatment over the next seven years. They eventually sent her file to their own medical records reviewer who said she could return to work. The insurer abruptly terminated her benefits.
Knowing she needed help, she retained Fields Disability to file an appeal. The Fields team put together an appeal which included a Vocational Report by a third-party consultant. However, the insurer upheld their denial decision. The Fields team then filed a lawsuit against the insurer in District Court seeking to completely resolve the full disability claim. The Fields attorneys succeeding in getting the insurer to begin negotiations. They were able to arrange a lump sum settlement in our client’s favor.”
2564, nh
“A Brake Pack Sorter from New Hampshire gradually developed widespread degenerative disc disease from his heavy exertion job. Eventually, his pain became so great that he was forced to leave work. He applied for long-term disability benefits but was denied by the insurance company. Needing help to appeal the denial decision, he retained Fields Disability to fight for his benefits.
The Fields team put together an appeal of the insurer’s decision, but upon review the insurance company upheld their denial. The Fields attorneys then filed suit against the insurer in federal court, claiming the full benefit amount as damages. Faced with mounting litigation, the insurer came to the bargaining table and the Fields attorneys were able to negotiate a favorable settlement for our client.”
1645, nh
“A man from New Hampshire suffered from debilitating headaches which resulted from a head injury. In addition to the headaches, the medication prescribed to manage the pain caused him to become very drowsy. As a result, he was unable to perform his job as a technology executive. His long-term disability insurer, Liberty Mutual, denied his benefits claiming that his headaches were a pre-existing condition.
Not knowing what he was supposed to do, he found the attorneys at Fields Disability. His attorney at Fields reviewed all of the records the insurance company had. He also requested updated records and obtained a report from the client’s neurologist which highlighted that the client could not work and that the condition was not pre-existing. On appeal, the insurance company reversed their decision and reinstated the payment of monthly benefits. The client felt an incredible sense of relief knowing that he had an income on which to support himself and his family.”
2723, nj
“Newly hired as a manager at ALDI and excited about a new career path, our client suddenly began experiencing memory loss, weakness, and pain in various parts of his body. He continued to work until the symptoms became unbearable, forcing him to see his doctor. Oddly, the doctors’ performed tests which came back negative. He applied for disability with New York Life, who denied claiming that he was capable of meeting the physical demands of a grocery store manager.
Frustrated with New York Life, he hired Fields Disability, and our team assembled a strong case for our client. We reached out to his medical providers and the New York Life insurance adjuster assigned to the case. We obtained medical support from the doctors and filed an appeal arguing that New York Life violated federal law by improperly ignoring specific chart notations and opinions in the medical record, which supported that our client was disabled and unable to perform the labor of a grocery store manager, or any occupation for that matter. Shortly thereafter, New York Life reversed it denial and granted our client disability benefits.”
2600, nj
“A construction manager who worked all over the globe on major construction projects began to suffer from chronic and debilitating pain in his neck, back, and abdomen. He was not able to continue to work due to the combination of all his pain. His short-term disability insurer initially accepted his claim but later cut him off on the basis that he had been released to work.
Unable to work and in need of a source of income, he connected with Fields Disability. The Fields attorneys reviewed the claim file from the insurer and set a plan to get benefits reinstated. They compiled all of the necessary medical records and reports from his treating doctors. Fields attorneys then drafted a strong appeal that argued why benefits should have never been cut off. On review, the insurance company reinstated our client’s claim for benefits.”
2470, nj
“Our client suffered from a combination of conditions which included rheumatoid arthritis, vertigo, neuropathy, depression, and anxiety. Despite all of her best efforts, she was unable to work. Her long-term disability insurer denied the claim, alleging that she could perform her own job. Our client appealed on her own twice and was denied both times.
In need of help to fight the insurance company, she reached out to the attorneys at Fields Disability for help. Despite being unable to add any additional evidence to the file or prepare an appeal, her attorney worked hard reviewing the entire file from the insurer. After getting up to speed on the case, he filed a lawsuit in federal court. Once the lawsuit had been filed, he utilized his knowledge of the file and the relevant law and negotiated a settlement which put money in the client’s pocket.”
2469, nj
“A warehouse worker became disabled when he developed severe anxiety and depression. After several months of mental health treatment, his doctors recommended he leave work to focus on treatment. Initially, the insurance company agreed that the man was unable to perform his job. After a few months, the insurer denied the appeal based on insufficient evidence of disability.
The man hired Fields Disability to sue the insurance company. The insurance company initially tried to settle the case for a very small amount of money. At the advice of his attorney, our client declined their take it or leave it offer. After several months, the insurance company came back with multiple higher offers. Finally, the Fields attorney negotiated a settlement with the insurer that reflected the true value of the case. Our client was happy he listened to his attorneys advice and settled the case for much more than the original amount offered.”
2433, nj
“Our client was a 48-year old individual who worked as a Senior Finance Manager until she was no longer able to work due to Anxiety, Depression, Lupus, Heart Conditions, Back Conditions, Fatigue, and Migraines/Headaches. The employer provided both short-term and long-term disability policies, which our client elected to receive coverage under both policies. When our client became eligible for short-term disability benefits from the policy’s carrier, Lincoln Financial Group, our client applied for coverage and benefits. Our client was initially approved for short-term benefits by Lincoln Financial Group and received weekly benefits for almost five months.
However, Lincoln Financial Group terminated our client’s short-term disability benefits, indicating no benefits were payable because they concluded our client did not meet the Definition of Disabled any longer. Lincoln Financial Group also denied our client’s application for long-term disability benefits indicating the same reasons for terminating his short-term disability benefits. Our client allegedly did not meet the Definition of Disabled. Upset with the illogical decision from Lincoln Financial Group to terminate short-term benefits, and outright deny long-term disability benefits, she contacted Fields Disability for legal representation and to submit an appeal of both adverse decisions.
The attorneys at Fields Disability were able to pull together all of our client’s medical records, generated reports from our client’s physicians, and sent our client to a neurophysiological functional capacity evaluation, which generated a report of cognitive functional abilities. Equipped with a comprehensive appeal and substantial favorable medical records, the attorneys at Fields Disability submitted an appeal for our client. Lincoln Financial Group issued a new decision and overturned its prior termination of short-term disability benefits, and its prior denial of long-term disability benefits, all due to the appeal Fields Disability submitted. Lincoln Financial Group proceeded to issue a backpay check for the months that it failed to pay our client previously on both the short-term and long-term policies.
2393, nj
“Our client applied for short-term disability benefits with an insurance company provided by her employer. Our client’s short-term disability benefits were approved by the insurance company and it paid our client benefits for six months until she exhausted these benefits. Our client then applied for long-term disability benefits with an insurance company provided by her employer. Our client’s long-term disability benefits were also approved by the insurance company and it paid our client benefits until it terminated her long-term disability benefits just two weeks after approving her claim. The insurance company notified our client that it was denying long-term disability benefits based on the determination that our client can work her regular occupation as a counter manager.
Disappointed with the sudden loss of income, our client contacted the attorneys at Fields Disability to help appeal the adverse decision. The attorneys at Fields Disability acquired medical records, functional capacity evaluations, and reports from our client’s treating doctors and submitted an appeal. The insurer, in response to the appeal, issued a decision and overturned their prior determination to terminate our client’s long-term disability benefits. Our client was paid back all the benefits she was entitled to, and was very pleased with the successful outcome.”
1729, nj
“A woman from New Jersey had a great job as a payroll supervisor at a company in New Jersey until she developed renal failure, atrial fibrillation, diabetes, hypertension, and depression. Her condition required a hospital stay during which she developed respiratory failure and had to be kept alive by a ventilator. In addition, she required dialysis. Her condition later recovered and she was transferred to a rehab facility. Clearly, she could no longer work. Reliance Standard, her long-term disability insurer initially accepted her claim and paid benefits. The insurer later denied her claim stating that she had recovered enough to perform the duties of any occupation.
Not knowing how to fight the insurance company, she reached out to Fields Disability. Her attorney at Fields Disability began updating the client’s medical records to provide the full scope of the client’s condition. Once the records were compiled, he drafted a winning appeal which led the insurance company to overturn their denial and reinstate her benefits. The client felt a huge sense of relief knowing that she had gotten her benefits back.”
1686, nj
“A man from New Jersey had been suffering from difficulties with cognition and fatigue. Eventually, he started experiencing blackout episodes. After fighting to continue to work, he no longer could. He was later diagnosed with orthostatic hypotension. His long-term disability insurer denied his claim for benefits arguing that he did not satisfy the definition of disabled.
Not knowing what he was supposed to do, he found the attorneys at Fields Disability. His attorney at Fields reviewed all the records the insurance company had and began getting updated records. He also obtained reports from the client’s treating doctors. After appealing, the insurer denied the claim once again we filed a lawsuit in federal court. The attorney was able to negotiate a settlement with the insurer which the client was very happy with.”
1607, nj
“A man worked as a pipe fitter and welder in New Jersey. He suffered from severe back pain due to a workplace injury. MRI’s showed disc bulging and pressure on his spinal cord in his lumbar spine. As a result of his pain, he could not work. His insurer Cigna initially approved his claim for long-term disability benefits but the claim was later denied. In their denial, Cigna asserted that the medical information available did not support ongoing disability.
Unsure of what to do, he reached out to Fields Disability. His attorney at Fields Disability reviewed the insurance company’s file and developed a plan to fight the denial. He updated medical records and requested reports from the client’s treating doctors. With the updated records and reports, he then drafted a winning appeal. The insurance company reversed their decision and reinstated the client’s monthly benefits and paid all the past-due benefits. The client was incredibly relieved to know that his source of income had been restored.”
1606, nj
“A 51-year-old Benefits Analyst who worked for a large hospital suffered from a debilitating spinal condition, which radiated into her legs. She loved her job and, in particular, the patients that she worked with. She took great satisfaction in finding ways for hospital patients to pay for their much-needed medical treatment.
Unfortunately, she developed severe low back pain that radiated down to her legs, and made standing and sitting for extended periods of time near impossible. She began seeing a neurologist, who at first administered injections and, later, because of the severity of the condition, performed surgery. Unfortunately, the operation did not diminish the pain and eventually she had to notify the hospital she could not return to work. She filed for disability benefits which were granted temporarily, but later denied based on a simple records review by the insurance carrier.
She immediately hired Fields Disability to review her case. Our attorneys took on the case and assembled medical records and supportive reports and filed an appeal which persuaded the disability carrier to overturn its denial. The payments were reinstated and this client is overjoyed at receiving much in the much-needed payments to pay for her and her family’s needs.”
1625, nj
“A 60-year-old woman who worked in school administration at a university in New Jersey developed severe and debilitating hip joint pain, making it impossible for her to do her job. While she spent most of her day at a desk in front of the computer, there were those occasions when she would have to carry books and files and binders and walk across campus. As time progressed, her hip pain made walking, and even sitting, excruciating. To make matters worse, her husband received a cancer diagnosis and was completely unable to work. The bills were mounting.
For months, she was determined to deal with the pain in the hopes that it would either disappear or at least decrease but, when it didn’t, she filed for disability. Her disability benefits were initially granted, but sometime thereafter, her benefits were suddenly and with little warning denied.
She attempted to resolve the disability payments on her own but, when it became clear the disability carrier would not reverse its position, she sought the assistance of Fields Disability. Our attorneys undertook the collection of medical records and supportive medical reports and filed a lawsuit. Through attempts at negotiations, our attorneys were able to settle the entire claim, on a lump sum basis, providing a significant sum of money to our client which enabled her to have sufficient funds to meet her financial needs.”
2612, nm
“A refrigeration mechanic left work when he started to experience severe vertigo and dizziness. He submitted a claim for disability benefits to his insurance company, Lincoln Financial Group. Lincoln denied his claim stating the medical records did not support an inability to perform the duties of our client’s own occupation. Our client was shocked because his symptoms precluded him from even being stead on his feet. He could not lift up to one hundred pounds as his job required.
The Fields Disability attorneys filed an appeal in support of disability benefits for our client. We argued that the symptoms he experienced would render the performance of his heavy-duty job impossible. Lincoln briefly reviewed the appeal and medical information our attorneys provided and overturned their denial.”
2590, nm
“Our client worked in dining services and was required to be on her feet most of the day. She suffers from a condition that causes unpredictable bouts of dizziness and vomiting. When she goes into one of these episodes, it is impossible for her to do anything. Moving around like she must in her occupation, or any other occupation, triggers these episodes. Her doctors took her out of all work, and she applied for long-term disability benefits through her employer. Her insurer denied her claim, determining that she could safely be on her feet for most of the day and carry up to 20 pounds. Our client was shocked at this news and reached out to Fields Disability for an explanation and guidance through the process.
Our Team quickly went through all our client’s medical records and drafted an appeal to quash the argument made by the insurance provider. We included in our appeal the record from the Social Security Administration who deemed our client disabled from performing substantially any gainful activity in the national economy due to her condition, and granted her Social Security Disability benefits. Our Team also obtained reports from our client’s doctors that illustrate her disability. Ultimately, the insurance company acknowledged a disability following this appeal and granted our client ongoing long-term disability benefits. Our client appreciated the support and hard work from the Fields Disability Team.”
1608, nm
“Our client worked as an electrical assembler in New Mexico prior to becoming disabled in the early 2000’s. She submitted a claim to Cigna, her long-term disability insurer. They paid her for almost two decades, when suddenly and without warning they denied the claim. Cigna stated the woman was able to return to gainful employment.
Not sure what he should do, she found Fields Disability. Her attorney requested a detailed narrative report from the primary care provider. The report and additional medical evidence was submitted with a memorandum of law arguing our client’s case. The insurance company reversed their decision and paid all past-due benefits. The woman was thankful for the hard work of Fields Disability and the favorable decision.”
1711, nm
“A man who worked in as a Quality Control Clerk for US Foods suffered from chronic and debilitating pain in his ankle and neck, as well as Hepatitis C. As a result, he was unable to continue to perform his job. After paying benefits for two years, his long-term disability insurer, Prudential, denied his claim alleging that there was no evidence that his condition prevented him from performing occupations that they had identified.
Not knowing what to do, he reached out to the attorneys at Fields Disability. His attorney at Fields reviewed all of the records the insurance company had and began getting updated records to provide. He also obtained a report from his treating doctor which highlighted that the client could not work with his condition. His attorney then drafted a winning appeal which outlined the deficiencies in Prudential’s review of the claim. On appeal, the insurance company reversed their decision and reinstated the payment of monthly benefits. The client was ecstatic to hear that he was going to have the income he needed to get by while he worked on managing his pain.”
1769, nm
“A mechanical design specialist had congestive heart failure which caused a heart attack, ongoing fatigue, and swelling in his joints. The symptoms were too severe to continue working and he applied for long-term disability benefits through his insurer at work. Despite his symptoms, the insurance company denied his disability claim. He appealed the decision but the insurance company would not reverse the denial.
With one additional opportunity to appeal the decision remaining, he contacted Fields Disability for assistance. Our attorneys contacted all of his doctors for updated medical records. Fields attorneys also reviewed the claim file from the insurance company and found serious oversights. Our attorneys submitted a final appeal but the insurer did not change the decision. Fields attorneys filed a lawsuit in federal court to fight for our client’s benefits. During preparations for trial, our attorneys negotiated a generous lump-sum settlement. Our client was pleased with the settlement check and happy to be done fighting his insurance company.”
1682, nm
“A young woman in New Mexico suffered from a number of issues including Rheumatoid Arthritis, Fibromyalgia, and chronic fatigue. Due to her condition, she was unable to continue working in her job as a Service Center Representative at a local hospital, and was awarded long-term disability benefits by her insurer MetLife. Nearly two years later, her insurer cut off her benefits claiming that she was no longer disabled under her policy. The insurer claimed that after reviewing her medical records that she had the ability to work in her own occupation.
Unsure of how to fight the insurance company and unsure of a future with limited education and work prospects, she reached out to Fields Disability for help. The attorneys at Fields went to work updating the client’s medical records to submit to the insurance company. We then argued that the insurance company had made critical mistakes in their determination of the client’s case. Upon review, the insurance company partially reversed their decision and agreed that the client had been disabled for a closed period of time but denied that she was disabled going forward.
She went right back to her attorneys at Fields Disability. They began compiling all of the necessary records and reports from doctors necessary. They then drafted a winning appeal which lead to the insurer overturning their denial and admitting that she continued to be disabled. The client was overjoyed that she was able to succeed in her claim and felt peace of mind knowing that her livelihood was returned.”
2601, ny
“A bank operations specialist from New York was in a serious car accident. She was rear-ended by a vehicle that did not slow down and her car was violently sandwiched between the car that hit her and the car in front of her. After the accident, she was unable to stay in her chair at work due to severe discomfort and soreness. An MRI revealed that she had damage to her vertebrae and spinal cord at three different levels. Her doctor recommended leaving work. She applied for long-term disability benefits but the insurance company denied her claim, stating that she did not suffer any acute injury.
Shocked by the insurance company’s brazen decision, she called Fields Disability for help. Our team gathered all our client’s medical records and Fields attorneys drafted a strong appeal to the insurance company. The appeal highlighted important records that the insurance company missed, including one doctor who said our client was 75% disabled and recommended she stop work immediately. Based on these records, Fields Attorneys drafted a strong legal argument on appeal that our client’s injury was acute and disabling. The insurer changed its mind and granted benefits and our client received a lump-sum payment for backpay and ongoing monthly income. Our client was pleased with the communication Fields Disability provided throughout the process, and is happy to have her income restored.”
2574, ny
“A fifty-four year old Medical Receptionist was forced to stop working as a result of vertigo, headaches, cervicalgia, radiculopathy-cervical region, spondylosis-cervical region, cervical disc displacement, low back pain, radiculopathy of lumbar region. The team at Fields obtained medical records from her orthopedic doctor for her spinal conditions that demonstrated our client had reduced abilities to lift, bend, drive a motor vehicle, standing and even sitting due to the combination of her impairments. Our attorneys worked with her primary care physician and other specialists to obtain medical records from one year before she had ceased working when she had undergone a craniotomy.
Although this procedure did not result in our client’s disability, the surgery had longstanding effects relative to our client’s cognitive functioning and when combined with her other physical conditions, precluded her from being able to perform her own occupation as a medical receptionist. The team at Fields meticulously combed through the insurance company’s administrative record and identified the holes in their denial decision where they had purposefully cherry picked the medical record to support their decision. Also, it was discovered that even the adverse peer review commissioned by the insurance company was ignored, as the restrictions the peer reviewing doctor had concluded were medically supported, did not make it into our client’s initial denial letter. Shortly after receiving our client’s strong appeal, the insurer reversed their earlier denial and reinstated our client’s long-term disability benefits. With this source of income and her health insurance reinstated, our client is now able to continue treating in order to improve her quality of life.”
2442, ny
“A machine operator quit his job due to extensive nerve pain along his spine. His symptoms resulted in a complete inability to keep up with the heavy physical demands of his job. Aetna paid benefits intermittently for the first six months, stating they needed extra medical records and doctors’ notes. Finally, Aetna denied benefits stating the medical evidence in the file was insufficient to show ongoing disability.
The man hired Fields to appeal Aetna’s denial. Fields gathered medical evidence from our client’s doctors and requested detailed reports refuting the findings of Aetna’s doctors. Those reports were submitted along with legal and factual arguments regarding Aetna’s selective review of the evidence in the denial letter. Aetna quickly reversed its decision and reinstated benefits. With his financial security reestablished, the man was able to focus on treating for his conditions and pursue his social security disability case.”
2431, ny
“A man who worked in as an Operational Finance Associate for a large corporation suffered from severe and debilitating alcoholism. As a result, he was unable to continue to perform his job. His long-term disability insurer, The Hartford, denied his claim alleging that there was no evidence to support that his alcoholism was impairing.
Unaware how to fight the insurance company, he found the attorneys at Fields Disability. His attorney at Fields went right to work. He reviewed all of the records the insurance company had and requested updated records to provide. He also obtained a report from his treating psychiatrist which highlighted that the client could not work with his condition. On appeal, the insurance company reversed their decision and reinstated the payment of monthly benefits. The client was ecstatic to hear that he was going to have the income he needed to get by while he worked on getting healthy once again.”
2423, ny
“Our client, a Compliance Manager from New York, had debilitating vertigo and migraines. Her job as a Compliance Manager required constant computer screen time. She was approved for and received short-term disability benefits, which ran from her date of disability, through the time it was exhausted.
After the expiration of her short-term benefits, she became eligible for long-term disability benefits from her policy’s carrier, Unum. She was initially approved; however, by impersonal letter, Unum terminated our client’s long-term benefits indicating no benefits were payable. Unum felt there were no physical examination or diagnostic test findings that indicate she would lack the capacity to perform her occupation as a Compliance Manager and that Meniere’s Disease generally does not prevent most patients from working.
Upset at her sudden loss of income, she called Fields Disability Law Firm for help Unum’s decision. The attorneys at Fields Disability contacted our client’s doctors to compile reports of all of her symptoms and treatments. The insurer hired their own independent doctor to review the case, and after a more thorough review, Unum overturned their prior decision and paid our client all of her back benefits she was entitled to. She was overjoyed with the resolution of her case and eager to enjoy her back-pay check.”
2406, ny
“A sales and marketing representative from Maspeth, Queens began experiencing anxiety and migraines. The medication prescribed to combat her anxiety gave her severe gastrointestinal distress which only exacerbated her anxiety. Combined with chronic back pain, her conditions made it impossible to work. Her insurer through work approved her for long term disability benefits initially but then stopped payments after seven months. The insurer said she could return to work because she was no longer disabled.
Worried about her lost income, she called Fields Disability for help. We gathered all our client’s medical records and our attorneys examined them closely. It turns out the insurance company mis-analyzed the cumulative effect of our client’s ailments and did not grasp the full impact of our client’s condition. With the evidence strong, our attorneys filed an appeal to the insurance company. The insurer reversed the denial and our client received a lump-sum check for back-pay and ongoing monthly benefits. She is pleased to be done fighting her insurer, and is happy with the representation from Fields Disability.”
2394, ny
“A New York woman worked as a Legal Assistant for several decades before contracting a mysterious virus, and developing Vestibular Dysfunction with associated conditions. She began suffering intense nausea, dizziness and migraines whenever she was subjected to visual or auditory stimulation. Living and working around New York City, this soon became a serious problem and she was forced to stop working, as a result.
She applied for long-term disability benefits through her insurance company, The Standard. However, after 6 months of silence, the insurer sent her a letter denying her claim for benefits. In their denial letter, The Standard claimed her medical documentation did not support functional limitations which would preclude her from performing the material duties of her Own Occupation.
Knowing she needed help to fight the insurance company, she contacted Fields Disability for help. Fields Disability put a team of attorneys on her case, and began gathering the extensive documentation needed to prove her disability. The Fields team worked with her medical providers to produce a detailed narrative report, which contradicted the insurer’s internally generated “expert” Medical Reviews. When considering the appeal, The Standard had no choice but to approve benefits. The New York woman’s benefits were reinstated, and she received an additional check for back-pay of her missed benefits.”
1661, ny
“A bio-chemist from New York began having shortness of breath and heart palpitations. Her doctors diagnosed her with congestive heart failure and put her on a transplant list for a new heart. She stopped working and received long-term disability benefits through her employer. The surgery was successful, but her symptoms continued. After seven years of receiving benefits, her insurance company stopped paying because she didn’t fit their definition of disabled.
Worried about her lost income, she called Fields Disability for help. Our team reviewed all our client’s records and called two physicians for narrative reports to illustrate her condition more clearly to the insurance company. Both doctors said that she could not work in any capacity due to exertion-based shortness of breath. Fields attorneys submitted the new reports with a strong appeal to the insurer, and the decision was overturned. Our client received a lump-sum check for back-pay and ongoing benefits. She is pleased with her restored income, and happy to have Fields Disability working for her.”
1754, ny
“A Network Communications Technician from New York was in a car accident. Because of the accident he had two spinal fusions and microfracture surgery on his hip. He also suffered memory issues and trouble concentrating after the accident. He was forced to stop working and received long-term disability benefits for seven years through his employee benefits plan. The insurance company sent him a letter after seven years of benefits that stated he would no longer receive benefits because he could return to work.
He contacted Fields Disability for help. Our team contacted all our client’s treating physicians and obtained a comprehensive medical history. We contacted physicians for additional medical reports supporting our client’s case. Our attorneys reviewed the medical records and drafted a strong appeal to the insurer. The insurance company changed their mind and our client received a lump-sum payment for back-pay and ongoing monthly benefits. He was relieved to be through fighting the insurer, and was happy to have his income restored.”
1576, ny
“Our client was a Repair Technician from New York suffering from osteoarthritis. When his doctors removed him from work he applied for Long-Term Disability benefits through his employer’s plan with Aetna. At first, Aetna approved the claim and paid his benefits. However, when the definition of disabled changed under the policy, requiring our client to be disabled from Any Occupation, Aetna denied the claim arguing there were other occupations he could perform.
Concerned, our client turned to Fields Disability for help. Our team drafted built an appeal to fight this decision. We reached out to our client’s doctors for specific narratives answering questions aimed at fighting this decision. Additionally, we received an independent vocational assessment pointing out that our client could not, in fact, perform any other occupations in the national economy. After receiving our appeal Aetna reversed its denial, paid our client his back pay and restarted his monthly disability payments.”
1687, ny
“A New York woman had worked as a Registered Nurse for many years. As is common in the practice of nursing, the woman developed severe back pain, with radiation. She also developed Endometriosis, Interspatial Cystipis, Hyper Mobile Joints, anxiety, and depression. Upon her disablement, and after being forced to leave work, the woman applied for long-term disability benefits from her insurance carrier. The insurer denied her claim for benefits, and the woman appealed their decision herself. However, the insurer again denied her claim for benefits, claiming her medical information did not support functional limitations which would prevent her from performing her Own Occupation on a full-time basis.
The New Yorker knew she needed help fighting the insurance company, but she felt like she was running out of options. After researching all of the top disability law firms, she selected Fields Disability. She was immediately put into contact with our team of attorneys. After gathering some initial information from the client, our attorneys determined she was in a position to file a federal lawsuit against the insurer.
Our team of legal professionals petitioned the insurer for necessary information. The insurer returned reams of documents related to the client’s disability case, which our attorneys reviewed before filing the lawsuit. After several months of back and forth with the insurance company’s lawyers, the Fields team was able to secure a settlement in our client’s favor. The insurer agreed to pay a lump-sum amount, and our client soon received a settlement check in the mail.”
1712, ny
“Prudential discontinued the disability benefits of a disabled software engineer. She suffered from neuralgia, depression, and severe anxiety. The insurance company argued that the woman was able to return to her stressful and demanding job, though it cited absolutely no medical evidence in support of its position.
The woman hired Fields Disability to handle her appeal. We gathered updated medical records and reports from the woman’s treating doctors stating she was unable to perform any kind of work. We submitted a brief arguing Prudential’s review was selective and arbitrary due to the lack of medical evidence supporting its decision. Prudential overturned its decision, stating it agreed the woman was completely disabled.”
1580, ny
“A bank teller from New York was experiencing depression and posttraumatic stress disorder. She was increasingly anxious at work and her condition deteriorated to the point where work was impossible. She stopped working and entered in-patient treatment for her depression. She applied for long-term disability benefits based on a physician’s recommendation that she would not be able to work in her condition. The insurer denied the claim she submitted and her subsequent appeal.
Shocked that the insurance company twice disregarded the opinion of her treating physician, she called Fields Disability for help. Our attorneys reviewed our client’s extensive medical record and determined that the insurer had ignored key medical reports throughout the process, and never conducted a medical examination of their own. Fields Disability filed a law suit in federal court to pursue benefits for our client. During the preparations for trial, our attorneys were able to negotiate a generous settlement for our client which included back-pay of benefits and continuing long-term disability benefits. Our client is relieved that she can focus on her own health, and is happy with the settlement she received.”
2732, nc
“A project manager for a consulting firm suffered from a ruptured colon, and later suffered from complications from multiple surgeries, septic shock, and tearing of her intestines. Clearly, she was unable to continue working. New York Life, her long-term disability carrier accepted her claim and paid benefits. The insurer later cut off her benefits claiming that she was capable of resuming work as a project manager.
Unable to work and unsure of what she could do, she reached out to Fields Disability. The Fields attorneys began reviewing the entire file from the insurer. We also obtained all of our client’s medical records. With all of this information, our attorney’s drafted an appeal which highlighted the medical evidence that the client was disabled and also highlighted the faults with the insurer’s review. Upon review, the insurance company reversed their decision and reinstated her monthly benefits. The client was elated to have her benefits reinstated and her income restored.”
2613, nc
“Our client came to the Fields Disability Team seeking help through her appeals process after her insurer discontinued her long-term disability benefits. She suffered from chronic migraines, chronic neck pain, degenerative disc disease, sleep impairment, and fibromyalgia. As a nurse, these symptoms made it impossible to work. The client’s doctors were supportive of her disability and her outright inability to work in her condition. Our attorneys pointed to details in her medical records that supported this conclusion in our first appeal. The client’s insurer somehow could not accept the obvious and noted in its denial letter that the medical evidence did not support disability.
Our client was frustrated and confused, but our team did not give up. Our attorneys gathered multiple reports from our client’s treating physicians to support her second appeal. We also acknowledged that the client had been awarded Social Security Disability benefits, pointing out that her long-term disability insurance carrier seemed to be the only one that did not support her disability. The insurer finally approved our client’s long-term benefits following the second appeal. Our client was so happy with her results and the work the Fields Disability Team performed on her case.”
2604, nc
“An insurance recovery specialist from North Carolina was diagnosed with osteoarthritis and possible Complex Regional Pain Syndrome. She attempted to continue work, but constant sitting and typing exacerbated her symptoms and she was forced to stop working. Her insurer through work refused to even pay short term disability benefits because they said she could return to work.
Shocked by the insurance company’s decision, she called Fields Disability for help. Our team contacted our client’s doctors and obtained updated medical records to ensure we had all the available evidence on our side. Fields attorneys scoured the records and discovered the insurance company discounted important records from our client’s doctors. We drafted a strong appeal, attaching the records to point out the insurance company’s error, and including the legal arguments supporting our position. The insurance company overturned their previous decision and our client received a lump-sum check for back-pay and is now receiving ongoing monthly benefits. She was pleased with the hard-work by the Fields Disability team and is happy to be done fighting her insurance company.”
2599, nc
“A recycling operator became disabled after developing fibromyalgia. He filed a claim for short-term disability benefits with Sun Life. The insurance company paid benefits to the man for a few weeks, agreeing he was unable to perform the duties of his heavy-duty occupation. Without warning, the insurance company decided to deny benefits. It stated the man could return to work and lift up to 100 pounds at his job, which was far from the case.
He decided to hire Fields Disability to help him appeal Sun Life’s decision. Fields attorneys updated our client’s medical records and secured written reports from his treating physicians describing his severe and debilitating symptoms. The appeal was submitted with a substantial legal memorandum arguing Sun Life ignored the medical evidence supporting our client’s disability. Shortly after the appeal was submitted, Sun Life overturned the denial and paid the rest of the short-term disability benefits owed to the man.”
2587, nc
“A Warehouse Associate from North Carolina was suffering from Degenerative Disc Disease, spondylosis, and side effects from medications. He was taken off work by his treating doctors and applied for Long Term Disability benefits through his employer’s plan with Unum. Regrettably, Unum denied our client’s claim arguing his conditions were pre-existing and therefore barred under the policy and also that, even if they were not pre-existing, they were not sufficiently disabling to stop him from performing his own occupation.
After being denied, our client turned to Field’s Disability for help. The Fields attorneys drafted an appeal, building support from our client’s treating doctors, his medical records, and the actual requirements of his job duties. After receiving our appeal, Unum reversed its decision, paid our client his backpay, and started paying his monthly benefits.”
2584, nc
“A 51-year-old administrative assistant suffered from a variety of medical conditions, which led her to the realization that she was no longer capable of performing her job duties. She applied for long-term disability benefits and MetLife accepted her claim and began paying benefits. While the woman was receiving benefits, MetLife performed periodic check-ins. MetLife also submitted the woman’s medical information to a nurse, who concluded that she remained incapable of performing work. However, just one month after receiving that opinion, MetLife sought out a second medical opinion, and the second medical reviewer said the woman had no limitations on her work activities and should be able to return to work.
She reacted immediately, filing an appeal on her own, without the assistance of an attorney. MetLife did not change their position based on her appeal. However, they did give her a second opportunity to appeal the decision. This time, the woman turned to Fields Disability for help. Our attorneys argued that MetLife breached their fiduciary duty to the claimant when the actively sought out an opinion to deny our client’s benefits. About one month after we submitted the appeal, MetLife overturned their decision. Our client received a backpay check dating back to the day MetLife discontinued benefits, and her monthly benefits were reinstated.”
2580, nc
“A woman from Durham, North Carolina worked as a nurse anesthetist. Due to interstitial cystitis and associated urinary urgency, pelvic pain, and a sleep disorder, she was forced to stop working. The Hartford, her long-term disability carrier, accepted her claim and paid benefits for nearly thirteen years. The insurer later denied her benefits claiming that she was no longer disabled under the terms of her policy.
Unsure of what to do, she reached out to Fields Disability. The Fields attorneys immediately obtained all of the client’s medical records and began crafting her case for an appeal. In addition to acquiring medical records, our attorneys showed that the review by the insurance company was defective in numerous ways. Upon review, the insurance company reversed their decision and reinstated her monthly benefits. The client was overjoyed at the reinstatement of her benefits.”
2573, nc
“A Surgical LPN from North Carolina developed several complex medical conditions including hashimotos, antiphospholipid syndrome, hyper IGE syndrome, degenerative disc disease and chronic pain. She was forced to cease working due to her increasing symptoms. She applied for long-term disability benefits form her insurance carrier. The insurer denied her on application, and she retained Fields Disability to represent her for her administrative appeal.
The attorneys at Fields acquired updated medical records from all of her doctors and a supportive report from a vocational expert. The Fields team then drafted an appeal critical of the insurer’s denial decision and submitted it for their review. Upon consideration, the insurer overturned their prior determination, and granted our client back benefits through her Own Occupation period. Our client then continued her partnership with Fields Disability to fight the insurer’s subsequent denial of her benefits during the Any Occupation period of review.”
2548, nc
“Our client worked as a District Manager for several years before she became disabled due to widespread chronic pain and depression. She applied for and received long term disability benefits from Mutual of Omaha. Benefits were paid for three years. She was denied when the definition of disability changed from the Own Occupation standard to the Any Occupation standard.
She found Fields Disability online, and retained us to challenge the wrongful denial. Our attorneys ordered updated medical information from our client’s treating providers. After receiving medical information and analyzing the claim file received from the insurance company, we submitted an appeal strongly supporting our client’s entitlement to past and future benefits. After a short review, the insurer agreed to reinstated her benefits.”
2392, nc
“A manager from North Carolina had been diagnosed with Fibromyalgia and Multiple Sclerosis. Her job at a rental car business required her to work overtime and drive the rental cars. She was forced to stop working because she could only work six hours a day and was prescribed medications that would prohibit her from operating a moving vehicle. She initially received long-term disability benefits from Unum, but after a few months she was sent a letter explaining that benefits would stop because she no longer met their definition of “disabled.” The mother of twins was upset at her sudden loss of income, so she contacted Fields Disability for help.
The attorneys at Fields Disability contacted our client’s doctors to compile reports of all of her symptoms and treatments and also hired their own vocational expert to review the case and issue a report. Fields Disability filed an appeal, and Unum came back and reversed its denial decision, and commenced payment of long-term disability benefits. The attorneys were able to get a lump-sum for all the missed payments our client was rightfully entitled to. She was overjoyed with the resolution of her case and eager to enjoy her check and future disability benefits.”
2391, nc
“A collections representative from North Carolina suffered from Type 1 Diabetes since childhood. After being hospitalized with severe pain and neuropathy, she was unable to return to work. The Hartford paid her long-term disability benefits for fifteen months. Then, without warning, the payments stopped. The collections representative found out she was denied when she called The Hartford to ask what happened to her direct deposit payments.
Angry that the insurance company stopped her benefits with no notice, she called Fields Disability for help with an appeal. Our attorneys immediately contacted The Hartford to request a copy of the claim file, and found that the insurer had ignored a functional capacity test that showed our client’s symptoms were too severe for her to continue work. Our attorneys compiled updated medical records and submitted an appeal to The Hartford. After a brief review, the insurer reversed course and reinstated benefits. Our client was pleased with the professional advocacy she received from Fields Disability, and is happy to have her income restored.”
2390, nc
“A North Carolina man just three years away from retirement had spent nearly his entire career working in manufacturing. His job required him to stand on his feet all day, running machinery and lifting equipment. After decades of wear and tear, his body eventually hurt too much to continue working. His doctors diagnosed him with osteoarthritis of the hand and lower back, and told him he had also developed heart issues. Knowing his conditions were serious, the man applied for and was granted Social Security Disability benefits.
The man also applied for long term disability benefits from Liberty Mutual Insurance. However, Liberty Mutual denied his application for benefits, claiming that he did not meet the definition of “disabled” and was capable of performing the essential duties of his old job. In their denial, Liberty Mutual even admitted to reading the Social Security Administration’s grant of benefits, but still refused to acknowledge his need for Long Term Disability benefits.
The man knew he needed help appealing Liberty Mutual’s denial of his benefits. He contacted Fields Disability, and our team of attorneys immediately began building his case. We worked with his physicians to produce supporting medical documentation, and wrote a very strong appeal of Liberty Mutual’s denial. Considering our arguments, Liberty Mutual had no choice but to reverse their prior decision and approve our client’s appeal. Our client soon had his benefits reinstated, and also received a check for back pay from Liberty Mutual.”
2389, nc
“A 48-year-old woman from North Carolina suffered from several disabilities including bilateral carpel tunnel syndrome, spinal stenosis, and Lyme disease. As a Specimen Processor, she was required to stand for long periods of time and, using her hands and wrists, delicately handle blood samples, bacteria cultures and bodily organs, none of which was possible without quivering hands and extreme pain. The client received short-term disability benefits, but the application for long-term disability was denied.
She then hired Fields Disability to appeal the denial and the attorneys at Fields requested supportive medical reports from her rheumatologist, orthopedist and longtime family physician. The medical report requests were designed to have each doctor answer the right questions relating to the client’s disability, and to explain why she was unable to do her job as a specimen processor. The doctors responded with highly supportive reports clearly showing that the client was disabled and unable to work.
After a brief but careful review, the insurer reversed its denial and awarded long-term disability benefits to our client, who will now receive the much-needed long-term disability payments to help her get better and hopefully return to the workforce.”
1604, nc
“A woman working as a plumbing specialist at Lowes realized that, due to chronic neck and back pain, she could no longer work. She applied for long-term disability benefits and was approved. She received benefits for roughly six months until the insurer cut her off. The insurer claimed that the medical evidence available did not support functional impairment that would prevent her from working.
Frustrated and scared, she found the attorneys at Fields Disability. Her attorney at Fields knew exactly what to do. He requested all of her medical records and also requested reports from her treating doctors supporting her disability. With all this information, her attorney drafted a winning appeal. Upon review, the insurance company reversed their decision and reinstated her monthly benefits. The client was overjoyed at the reinstatement of his benefits and could rest easy knowing that she once again had income to support her family.”
1700, nc
“A restaurant manager became disabled after developing severe diabetic neuropathy in his feet. The numbness and pain kept him from being on his feet for extended periods of time. He was unable to work because his fast-paced job as a restaurant manager required constant standing and walking. He filed a claim for short-term disability benefits with Principal. The insurance company paid benefits to the man for a few weeks, agreeing he was unable to perform the duties of his medium-duty occupation. Without warning, the insurance company denied benefits. It stated the man could return to work.
He decided to hire Fields Disability to help him appeal Principal’s decision. Our attorneys updated the man’s medical records and secured disability paperwork from the man’s treating physicians describing his neuropathic pain and limitations. The appeal was submitted with legal arguments regarding Principals duty to consider all of the evidence and provide a full and fair review. Shortly after the appeal was submitted, Principal overturned the denial and paid all outstanding benefits. The man was also subsequently approved for long-term disability due to the short term appeal.”
1697, nc
“Our client was a car salesman from North Carolina. He suffered from Lupus, Mixed Connective Tissue Disease, Myositis, and Degenerative Disc Disease. Unfortunately, his conditions progressively worsened until his doctors were forced to take him off work. His insurance company, the Principal, paid him long-term disability benefits for two years under the Own Occupation definition of disability. However, six months before the definition of disability changed the Principal started reviewing his case. The insurer hired private investigators to follow our client and his family, sent him to an IME, and had individuals do an in home visit to assess his disability. Based upon this review, the insurer cut off our client’s benefits alleging he would not satisfy the new definition of disability.
He quickly reached out to Fields Disability for help fighting this decision. Our team of attorneys successfully argued that our client’s condition was progressive and in fact worsening over the time Principal had paid benefits. Additionally, our team reviewed the surveillance footage from the Principal’s private investigators and showed that this surveillance actually supported our client’s disability claim. Lastly, our attorneys documented the numerous moments where Principal selectively cited, misstated, and ignored relevant evidence in denying benefits. After reviewing our appeal Principal reversed its decision, paid our client his back pay, and recommenced monthly benefit payments.”
1749, nc
“Our client was 55-years-old woman who worked as a mortgage officer for JP Morgan Chase. One day she began experiencing weakness, vertigo and significant nausea. She initially assumed that the flu-like symptoms would go away, and she would be fine. But the condition worsened, and she scheduled an appointment with the doctor. After several treatments with the doctors and prescription medications, it was clear that the condition was serious. Doctors tested her for an autoimmune disease which was positive. She was terrified as she had several dependents whom she was taking care of.
She applied for and received disability for several years as she attempted to find an antidote for her disease. Unfortunately, the insurer, without any warning, suddenly issued a denial letter stating she was no longer disabled, and the much-needed disability checks stopped coming. She tried to work with her doctors to present enough evidence to show that she continued to be disabled, but the insurer would not reverse its decision.
Out of options, she approached Fields Disability, and spoke to our staff about her claim. OUr attorneys immediately began working with medical providers to obtain the necessary supportive reports, and assembled medical records, and filed a lawsuit. After several weeks of strong arm negotiations, Fields Disability was able to resolve the case for a significant sum of money, enabling this client to pay her bills and, most importantly, meet the needs of her dependent loved ones.”
1734, nc
“After a delivery driver from North Carolina had spinal fusion surgery, he tried to return to work but the pain was too great. He exhausted his short-term disability benefits and applied for long-term benefits through Sedgwick. Despite a report from his doctor that his condition was worsening, Sedgwick denied his claim for long-term disability benefits.
Frustrated and scared that his income was in jeopardy, he contacted Fields Disability for help with an appeal. Fields attorneys compared doctors’ recommendations to our client’s job description. Our client’s doctors were recommending that he should not lift more than ten pounds, but his job description said he was required to lift more than fifty pounds regularly.
Additionally, Sedgwick ignored the doctor who advised that our client’s condition was worsening. Fields Disability attorneys compiled the medical evidence and submitted an appeal to Sedgwick. The insurance company ultimately overturned their decision and our client was enjoying his monthly long-term disability benefits. He was impressed with our attorneys’ professionalism and is working with them to submit an application for Social Security Disability benefits.”
1583, nc
“Our client worked as a mixer driver for a concrete company. Our client became disabled from doing this job due to chronic back and bilateral knee pain. His diabetes, hypertension, and sleep apnea also contributed to his disability. The insurance company initially paid our client long term disability benefits. However, the insurance company abruptly discontinued his benefits based on an Employability Assessment it conducted, which stated that our client was capable of performing gainful employment based on his lack of restrictions and limitations, as well as his education, transferable skills, work history and residual capacity.
The disabled worker, confused and distraught about the insurance company’s actions, came to Fields Disability. Our team was able to spot critical errors made by the insurance company when it discontinued our client’s benefits. In preparing the Employability Assessment, the insurance company had based the analysis of his workability on a misleading report from a doctor. This doctor had released our client to work with no restrictions, but he only based his decision on the resolution of a temporary shoulder injury our client suffered from. The doctor did not consider our client’s disabling conditions, for which he was approved for benefits in the first place. The Fields Disability attorneys prepared a strong appeal exposing the insurance company’s mistakes, leaving the insurance company having no choice but to reverse its decision and reinstate our client’s long term disability benefits.”
3087, nd
“A professional Provisioner from North Dakota suffered chronically from a lower extremity embolism and lymphedema, which caused severe swelling and fluid buildup in her extremities, despite continued surgical intervention. She had been approved for benefits for years before her insurer offered her the option of a lump-sum settlement. She declined this and continued with monthly payments on her claim when just a couple months later her insurer terminated her benefits. She made the right move to reach out to Fields Disability to help her with her claim.
Our team drafted two appeals that documented her disability and the unjust practices of the insurer. They continued to uphold their denial, but our team did not give up on our client. Knowing we had a strong case and our client deserved benefits, our attorneys filed a lawsuit and began settlement negotiations. Our attorneys ended up getting our client a higher settlement than was offered before the insurer terminated her benefits. Our client was thankful that she chose the Fields Disability Team to assist her.”
3090, nd
“A maintenance mechanic was unable to work due to degenerative disc disease. Initially, he was approved for Long Term Disability benefits and was additionally approved for Social Security Disability benefits, and VA Disability benefits. Unfortunately, after several years the insurer unexpectedly terminated his Long Term Disability claim. Left without a major source of his monthly income, still unable to work, and unsure how to proceed, he reached out to Fields Disability for guidance.
We worked with our client to appeal the insurer’s claim termination. Despite providing the insurer with ample evidence of our client’s continuing disabilities, each of our appeals were denied. In response, we filed a lawsuit against the insurer on behalf of our client.
The Fields Disability attorneys worked closely with our client throughout the litigation. When it became clear that a settlement was likely the best possible outcome, our client gave our team authority to send an initial demand to the insurer. Although negotiations were tenuous, the strong advocacy of the Fields Disability team paid off for our client. He was eventually presented with an offer and walked away with a lump sum payout. Our client was grateful to the entire Fields Disability team.”
3094, nd
“A customer relations specialist with circadian rhythm sleep disorder had tried numerous times and various treatments to restore his circadian rhythm, but to no avail, until his condition became too problematic for him to work. He applied for disability benefits through an insurance policy provided by his employer and his claim was accepted. However, the insurance company denied his benefits after 24 months, based on the contention that the client was only disabled due to mental health conditions.
After being denied, he signed up with Fields Disability. We appealed the denial, but the insurer refused to consider the neurological cause of our client’s conditions that was clearly documented in the medical records. The attorneys at Fields Disability prepared to file a lawsuit against the insurer. However, after contacting the insurer and pointing out their numerous errors, our attorneys were able to negotiate an early settlement for our client. “
1737, nd
“A cashier became disabled after undergoing a total knee replacement surgery and developing psoriatic arthritis. His symptoms kept him from sitting and standing for long periods of time. His arthritis severely affected his hands and resulted in an inability to gross and fine manipulate during work tasks. The insurance company initially approved him for benefits. When the definition of disabled changed under his policy, the insurer denied benefits claiming that he was able to perform sedentary jobs.
The man hired Fields Disability to fight the insurer’s wrongful denial. Fields Disability attorneys ordered medical records from the man’s treating providers. Upon reviewing the medical information, our attorneys secured a report from the man’s treating rheumatologist documenting his inability to sustain full-time work and use his hands for more than a few minutes. Our attorneys used that information to secure a favorable decision from the insurer. The man received a substantial backpay check and hired Fields Disability to negotiate a settlement so he never had to deal with them again.”
1750, nd
“A medical lab technician from Minnesota began experiencing leg pain associated with diabetes. Eventually, she began losing sensation in her legs. Sitting or standing for long periods became extremely painful and she was forced to stop working. Her insurer at work approved her for monthly long-term disability benefits. After a decade of receiving benefits, the insurance company stopped payment saying that she no longer fit their definition of disabled.
Shocked that her benefits had suddenly been cut off, she contacted Fields Disability for help. Our attorneys gathered all of the documents from the insurance company and our client’s doctors to compile strong evidence against the insurer. The insurance company based their denial on one doctor’s report which had multiple mistakes and typos. Our attorneys sent a strong appeal to the insurance company but the insurer did not reverse it’s decision and the Fields Disability attorneys filed a lawsuit to fight for our client. During preparations for trial, our attorneys negotiated a generous lump sum settlement. Our client was pleased with the settlement check and happy with the professional advocacy Fields Disability provided.”
1703, nd
“A woman was forced to end her career as a Black Jack dealer after a series of shoulder injuries resulted in frozen shoulder. She received benefits from her long-term disability insurer for more than three years before the insurance company sent her to a doctor to be evaluated. That doctor provided an opinion to the insurance company, which stated that the woman should be able to return to work. Thus, the insurance company stopped paying he benefits. She attempted to appeal the insurance company’s decision on her own, but the insurance company refused to reinstate her benefits.
The woman turned to Fields Disability for help. We had the opportunity to file a second appeal. We used that opportunity to build up the evidence in her file. We included updated medical records and disability opinions from her doctors. Although the insurance company did not overturn their decision based on that appeal, Fields Disability was able to proceed forward with a lawsuit against the insurer because we were confident with the evidence in the file. In the end, the insurance company was willing to pay our client a substantial amount of money to settle the claim, rather than submitting the issues to a judge.”
2736, oh
“A machine operator from Ohio experienced severe discomfort following back surgery. He could not sit or stand for more than a few minutes without serious pain. Work became impossible, so he applied for long term disability benefits with New York Life. New York Life initially approved his claim and paid him monthly benefits for about two years. Suddenly, they sent a letter telling him that he no longer fit their definition of disabled and that payments would stop.
Shocked and worried at his lost income, he called Fields Disability for help. The attorneys at Fields Disability scoured the claim file from New York Life, and found that they made their decision while our client was in between insurance providers and struggling to find good care providers in his network. Our attorneys contacted our client’s physicians to obtain updated medical records and sent a strong appeal to New York Life with the updated medical records attached. New York Life overturned their original decision and our client received a lump-sum payment for back-pay and ongoing monthly benefits. He was relieved that his monthly income was restored and is happy to use the money to continue treatment.”
2728, oh
“A Sales Representative for a cable provider became totally disabled due to chronic back pain, caused by bulging and herniated discs in his lumbar and cervical spines. After 24 months of paying benefits, his insurance company terminated his benefits because the policy’s definition of disability changed from whether one was disabled from performing his Own Occupation to disabled from performing the material duties of Any Occupation, claiming that he could perform sedentary work and specifically alleged he had transferable skills to perform the occupations of Dispatcher and Service Clerk. Confused by this logic, he approached Fields Disability for help with less than 30 days remaining to submit an appeal. Our attorneys immediately reached out to the insurance company to request a 45-day extension to submit his appeal, which was granted.
Based on our experience, we knew that the insurance company had not performed a significant vocational analysis and had failed to appreciate how the client’s chronic pain and limited range of motion impaired him performing even sedentary work on a competitive basis. We sent our client’s file to a vocational expert who conducted a national and regional job outlook study and determined that the positions of Dispatcher and Service Clerk were not appropriate occupations for our client based on his age, education, work history, and experience. The Fields team quickly gathered the necessary evidence and drafted a strong appeal for our client. The insurance company reversed its denial decision, issued the back-pay benefits our client was owed and resumed paying his monthly benefits.”
2725, oh
“A certified phlebotomist for a large health care provider was diagnosed with lumbar intervertebral disc disease with myelopathy, with associated radiating pain. She quit working because she was unable to keep up with her physical demanding and stressful job. New York Life agreed and paid the woman’s claim for several months. Out of nowhere and without explanation, New York Life requested the woman attend an independent medical examination. New York Life denied benefits based on the report, which far overestimated the woman’s physical abilities.
After hiring Fields Disability to assist with an appeal of the denial, our attorneys combed over the claim file and discovered that the independent doctor had failed to base his recommended work restrictions on examination findings. The Fields attorneys arranged for our client to attend a functional capacity evaluation to refute the findings of New York Life’s doctor and secured a substantial amount of medical records. Our attorneys submitted the medical records, functional capacity evaluation, and a number of legal arguments undermining New York Life’s decision on our client’s behalf, and New York Life overturned its decision and reinstated benefits for our client.”
2605, oh
“A nurse consultant who worked for a nursing association spread across the state of Ohio was forced to stop working after contracting a chronic form of gamma herpes viral mononucleosis, or the Epstein-Barr virus. The disease caused her to feel constant and severe fatigue in addition to her preexisting heart arrhythmia disorder. She filed a claim for short-term disability, and was approved to receive the benefits. She then applied for long-term disability benefits from the Lincoln Financial Group, but was denied. Lincoln claimed that the woman’s medical documentation did not support a finding of total disability, and that she should be able to return to her regular occupation.
The nurse from Ohio felt like she had run out of options. Luckily, she heard about Fields Disability, and we were able to take on her case and fight the insurance company. Our attorneys began working with her treating physicians, compiling key documentation that would support her claim for disability. We then crafted an expert appeal, arguing that Lincoln had failed build a proper foundation for denial, and had failed to provide necessary information required under federal law. Confronted with our airtight arguments, Lincoln soon returned a decision to grant our client’s long-term disability benefits.
Surprisingly, several months after overturning their own decision, Lincoln sent our client another letter claiming they were denying her long-term disability benefits again. The Fields team immediately began preparations to fight the insurer. We soon submitted an appeal of their decision, and once again Lincoln Financial reconsidered. Her benefits secured, our client was overjoyed with the result and was able to focus once again on her recovery.”
2467, oh
“Our client from Ohio was injured in a work accident that left him with severe back pain. The pain was so severe that it prevented him from performing his job as a driver, or any other job for that matter. He was initially approved for long-term disability benefits. Later, his long-term insurer reviewed his file and alleged that they had identified occupations which he could perform and was therefore no longer entitled to disability benefits.
Despite the insurance company’s claims, there was no way he would be able to continue working. He reached out to the attorneys at Fields Disability for help. His attorney at Fields obtained additional evidence and drafted a strong appeal which argued the decision by the insurance company was wrong. Upon review, the insurer again claimed that he could work. Once the appeal was denied, the client’s attorney immediately filed a federal lawsuit. After litigation, the case was eventually settled.”
2465, oh
“A registered nurse was forced out of work due to severe shoulder pain. At the time, she received 24 months of long-term disability benefits under the own occupation standard set out in her plan. During this time, she underwent a lengthy period of physical therapy and multiple surgeries to help remedy the pain she was experiencing without any success. Despite this, her insurance company terminated her benefits under the Any Occupation standard.
Anxious about lost income and her inability to work, she reached out to Fields Disability for help. Our team quickly ordered her claim documents and got her set up with an attorney to take her through the appeal process. Our attorneys presented a substantial amount of evidence from the client’s doctors that proved she could not obtain any gainful employment. Our client got approved for Social Security Disability, but was very frustrated when her long-term disability insurance company could not acknowledge her disability after exhausting all appeals. The Fields Attorneys did not give up on the client and filed a lawsuit on her behalf in federal court. Our attorneys negotiated a favorable settlement for the client through hard-fought negotiations. Our client was pleased with the results and was grateful for the diligence of the attorneys and staff and Fields Disability.”
2435, oh
“Our client was a Registered Nurse who loved her job and was a caring and compassionate caregiver. When she developed fibromyalgia and Lyme disease, it exacerbated her depression and anxiety resulting in a complete inability to work. She submitted a claim to her disability insurance carrier, who determined she was not disabled from her job.
Our client’s doctors vehemently disagreed. She found Fields Disability and hired us to file an appeal on her behalf and challenge the wrongful denial. We secured a very supportive report from the client’s treating provider that outlined the difficulties our client would have with her work as an Registered Nurse. Our attorneys assembled the medical information and filed an appeal with the insurance company. After reviewing our client’s case, the insurer approved her claim.”
2396, oh
“An administrator in a medical clinic began experiencing chest pain and, after numerous tests, doctors concluded she had suffered a pulmonary embolism. Her job required sitting at a desk for hours at a time. Her doctors advised that sitting for extended periods put her at risk for additional blood clots. She was forced to stop work. She applied for long-term disability benefits from The Hartford, but was denied because she did not fit the insurance company’s definition of disabled.
Shocked at the decision, and frightened about losing her income, she contacted Fields Disability for help. Fields attorneys discovered that the insurance company misinterpreted the recommendation of our client’s primary doctor, who said our client’s condition was too serious to return to work. Fields attorneys highlighted this error in the appeal to The Hartford, and strengthened the record with updated medical records. Ultimately, The Hartford overturned their decision and granted back-pay and ongoing benefits for our client. She was overjoyed that the fight against the insurance company was behind her, and looks forward to continuing her treatment with the help of her monthly disability award.”
2395, oh
“A quality manager at a manufacturing company became disabled after undergoing a laminectomy to relieve pressure on a nerve in his spine. After the surgery, the man suffered from severe nerve pain that inhibited his ability to sit, stand, and walk for even short periods of time. Initially, Liberty Mutual agreed that the man was completely disabled and paid benefits in accordance with the terms in the policy. After approximately three years the insurance company decided to deny benefits, stating the man could return to work at a number of sedentary occupations. The man was baffled because he spent most of his days completely incapacitated due to pain.
Our client searched for an attorney and chose Fields Disability to fight for his benefits. Our attorneys collected updated medical records and narrative reports from our client’s treating physicians outlining his inability to work. Then, an expert was hired to review our client’s vocational history and write a report discrediting Liberty Mutual’s claims. The appeal was submitted early, and Liberty Mutual reversed its decision shortly thereafter. Our client was able to continue focusing on pain management with his financial security re-established.”
1683, oh
“Our client worked for a number of years as a production supervisor for a major food company. After developing depression and anxiety that affected his ability to work, our client left work and filed a claim for short and long term disability benefits. He received benefits for a few months, and then was denied continuing benefits when he was informed his conditions were not severe enough to support an inability to work. To compound the issue, our client suffered a very serious injury while out on medical leave. The insurer concluded that the injury should not be considered because it occurred after our client was determined to be able to return to work under the policy.
The man found Fields Disability after searching for help online. We collected medical records and secured a supportive report from the treating doctor. We submitted the medical records and report to the insurance company along with a memorandum outlining our client’s legal rights under the statute governing the policy. After a brief review, MetLife reversed its decision to deny benefits and started paying our client’s short-term and long-term disability claims.”
1647, oh
“A 52 year-old customer service representative became disabled when she developed a severe eye spasm caused by a rare underlying neurological condition. She ceased working because tasks on the computer were impossible to perform in a timely matter. Liberty Mutual paid her long-term disability claim for two years. Liberty later denied benefits saying that, although the woman was unable to work her own job, she would be able to return to work at some sedentary occupations.
The woman hired Fields to appeal the decision. Our attorneys reached out to the woman’s treating doctors and got detailed reports outlining the woman’s conditions and inability to work. Liberty overturned their decision resulting in a payment of back benefits. The claim was reinstated and monthly payments began shortly thereafter. The woman was so impressed with the representation we provided that she hired us to monitor her claim against liberty and pursue a lump-sum settlement.”
1610, oh
“A project director from Ohio began feeling pain and numbness following a hip replacement. She was unable to stay in one position and suffered from severe pain. Her doctor diagnosed her with a damaged femoral nerve and recommended she stop working. She received long-term disability benefits for a few months, but then the insurance company stopped payments, saying that she did not submit enough evidence of her inability to work. She sent an appeal with additional medical records to no avail.
Worried about her lost income, she contacted Fields Disability for help with the next step. Our support team obtained medical records from all our client’s doctors. Fields attorneys drafted a strong appeal to the insurance company using the updated medical records and in-depth legal research. In the face of this new evidence, the insurance company changed its mind. Our client received a large lump-sum for backpay as well as ongoing monthly benefits. She is overjoyed to be done fighting her insurance company, and is happy to use her newly awarded benefits to continue treatment.”
1609, oh
“An Ohio HVAC technician had a heart attack. He underwent triple bypass surgery, and experienced chest pain and shortness of breath. His doctors advised that he needed to keep physical exertion as low as possible. He was approved for short term disability benefits at work, but after a couple of months the payments stopped. The insurance company said he was no longer disabled even though his doctor said he could not return to work.
Upset that the insurance company was ignoring his symptoms, he contacted Fields Disability for help. Our attorneys contacted our client’s treating physicians and obtained the claim file from the insurance company. Fields attorneys helped our client apply for long-term disability benefits while appealing the decision for the short-term disability benefits. The long-term application was initially denied, but Fields attorneys supplemented the claim with additional medical records and recommendations.
Ultimately, both the long-term and short-term disability claims were approved. Our client received a generous lump-sum for back-pay and now receives monthly benefits. He was impressed with the diligent advocacy from Fields Disability, and is relieved to have his monthly income restored.”
1688, oh
“Our client was a Senior Process Engineer from Ohio who suffered from chronic low back pain and lumbar post-laminectomy syndrome. He was taken off of work by his doctors and applied for Long Term Disability benefits through his employer’s plan. Originally, the insurer approved his benefits. However, after the definition of disability changed the insurance company discontinued benefits asserting there were various occupations he could perform.
Our team at Fields Disability drafted a strong appeal that exposed numerous errors in the insurer’s review and denial of benefits. The insurance company forced us to bring a lawsuit in federal court on behalf of our client after continuing to deny his benefits. In the end, we were able to recover a lump sum settlement for our client without having to go to court.”
2549, ok
“A health care manager from Oklahoma suffered from lupus and fibromyalgia. Her conditions caused swelling in her joints, regular back spasms, and severe chronic pain. She was forced to stop working, so she applied for long-term disability benefits through her employer-sponsored insurance plan. The insurer denied her application because her symptoms exceeded the severity of her condition.
Shocked by the insurer’s decision, she contacted Fields Disability for help. Our attorneys drafted a strong appeal to the insurance company that highlighted the severity of our new client’s condition and that the insurer’s denial of benefits was arbitrary and capricious. The insurer did not change its mind and out attorneys filed a lawsuit in federal court to fight for our client’s benefits. During preparations for a hearing, Fields Attorneys negotiated a generous settlement for our client. Our client gladly accepted the settlement and was pleased with the hard work by the Fields Disability team.”
2547, ok
“Our client ceased working at a major University as an administrator due to diagnosed disabilities of degenerative joint disease, chronic pain, depression, and anxiety. Due to our client’s disabilities and an inability to work, our client applied for short-term disability benefits. The Insurer approved the short-term benefits and paid benefits until the short-term benefits were exhausted. Our client then transitioned to long-term disability benefits with the insurance company and actually received long-term benefits until the insurer terminated our client’s long-term benefits after two years or 24 months under the Own Occupation definition of disability. The insurance carrier relied on two document reviews and an occupational report to determine that our client no longer was qualified for disability benefits.
Our client was upset with the insurance carrier’s termination of long-term benefits and contacted the attorneys at Fields Disability. Once retained, the attorneys at Fields Disability acquired medical records, functional capacity evaluations, and reports from our client’s treating doctors and submitted an appeal. The insurer in response to the appeal issued a decision and determined to uphold their prior determination to terminate our client’s long-term disability benefits. Neither our client nor the attorneys at Fields Disability agreed with the insurer’s response and filed a second appeal. This appeal, unfortunately, was unsuccessful as well.
Not satisfied with the reasoning the insurance company used to terminate our client’s long-term benefits, the attorneys at Fields Disability filed a lawsuit in federal court to fight for our client’s long-term disability benefits. After only a couple of weeks of filing the lawsuit, the attorneys at Fields Disability were contacted by the attorney for the insurance company because it was clear the attorney felt this case needed to settle quickly. The parties agreed they wanted to have a mediation, and after some persuasive negotiations on the part of the attorneys at Fields Disability during the mediation, the case resolved, and our client received a sizable settlement check.”
2538, ok
“Our client from Oklahoma was receiving long-term disability benefits from an insurance company provided by her employer for less than four months until it decided that the medical information it had was not sufficient proof for the insurance company to determine our client still met the definition of disability as required to receive benefits. Unsure of what to do, our client turned to the attorneys at Fields Disability for assistance in appealing the insurance company’s decision to terminate benefits. The attorney’s at Fields Disability gathered all the most favorable medical records and submitted a comprehensive appeal demanding our client’s long-term disability benefits be reinstated.
Unfortunately, the appeal was denied, and the insurance company upheld its prior decision that benefits were to be terminated because our client did not meet the policy’s definition of disability. Unwilling to stop there, the attorneys at Fields Disability quickly filed a lawsuit against the insurance company in federal court. During preparation for trial, the Fields Disability attorneys were able to negotiate a generous settlement for our client. The resolution of our client’s case was a good one, and she was very pleased with the end results.”
2398, ok
“A conveyor maintenance mechanic from Pennsylvania injured his back at work. His job required clearing conveyor belts of obstructions and debris, as well as repairing the belts as needed. One day he had to lift an unwieldy 100-pound box of wire as part of a repair project. He injured his back and the pain was so severe that he was forced to stop working. He applied for long-term disability benefits through work and was denied.
Worried about his loss of income, he contacted Fields Disability for assistance. Our attorneys immediately contacted the insurance company for a copy of the claim file, and asked our client’s doctors for medical records. The insurance company did not thoroughly review the medical record before making their decision. Our attorneys sent a strong appeal to the insurer, citing specific reports from doctors who said our client could not return to work. The insurance company overturned their denial. Our client is receiving his monthly benefits again and is happy his income has been restored.”
2397, ok
“A respiratory therapist from Oklahoma broke her leg. She healed from the break, but her arthritis eventually caused severe leg and knee pain. After healing from the initial injury, she pursued a conservative course of treatment to manage her symptoms and avoid surgery. Unfortunately, the pain was too much, and she underwent a recommended invasive knee surgery. Recovery from the surgery was nearly nonexistent and her symptoms caused her to miss work. She received long-term disability benefits for almost three years, but then the insurance company suddenly cut off her payments, saying that she could return to work.
Shocked by the insurance company’s decision, she called Fields Disability for help. Our team contacted our new client’s doctors and obtained updated medical records to ensure we had all the available evidence on our side. Fields attorneys scoured the records and discovered the insurance company discounted important records from our client’s doctors. We drafted a strong appeal, attaching the records to point out the insurance company’s error, and including the legal arguments supporting our position. The insurance company overturned their previous decision and our client received a lump-sum check for back-pay and began receiving ongoing monthly benefits. She was pleased with the hard-work by the Fields Disability team and is happy to be done fighting her insurance company.”
1581, ok
“An emergency dispatcher from Oklahoma had knee and back pain so severe she had to stop working. She received short term disability benefits for a few months, but when she applied to make the benefits long-term the insurance company denied her claim. The insurer said that her condition was pre-existing so coverage did not apply. She appealed the decision, but the insurer maintained it’s position.
Worried about her lost income, she called Fields Disability for help. Our attorneys reviewed her file and determined she had a good case for a lawsuit in federal court. Our support team compiled all the documentation from the insurance company to prepare for a hearing. During preparations for arguments in federal court, Fields attorneys negotiated a lump-sum settlement. Our client was overjoyed with the settlement check and was relieved to be through fighting her insurance company.”
1627, ok
“A 52-year-old sales representative from Oklahoma was removed from working after a traumatic event, which resulted in back pain, hypertension, chronic pain syndrome, anxiety and depression. He initially received long-term disability benefits, but after twenty-four months of coverage, he was sent a letter explaining that benefits would stop because he was not disabled from working any occupation.
Fields Disability was ready to appeal the insurer’s decision, not once but twice. The insurance company hired their own independent doctor to review the case after each appeal and denied the appeal both times. Our attorneys filed a lawsuit in federal court to fight for our client. During preparation for trial, Fields Disability attorneys were able to negotiate a generous lump-sum settlement for our client.”
1701, ok
“An Oklahoma Nurse Anesthetist was injured while serving in the military. She managed the pain for years, but eventually required spinal fusion surgery. After surgery, she experienced numbness in her arms and hands. She could not continue working as a nurse. Her insurance company denied her application for long-term disability benefits because of a dispute about when her coverage started.
Worried about her loss of income, she contacted Fields Disability for help. Fields Attorneys collected all of the documentation from the insurer and from our client’s doctors. They found documentation that firmly established the coverage date for our client, as well as medical records that strongly supported continued disability payments.
Our attorneys submitted a strong appeal to the insurance company and attached all the supporting evidence. The insurance company overturned their denial, sent a lump-sum check to our client for back-pay, and approved continued benefits. Our client was overjoyed with the result, and retained Fields Disability to help with any future issues with her benefits.”
1626, ok
“A young man from Oklahoma who worked as a welder began to experience debilitating back pain. There was no way he could continue working as a welder with the pain that he was in. His long-term disability insurer denied the claim. The insurer claimed that his back pain was the result of a pre-existing condition. Their denial was based off of a single medical record.
Angry, he reached out to Fields Disability. His attorney at Fields Disability began reviewing the entire file from the insurance company and creating a plan. He drafted an appeal that included medical records from all of his providers and a report from his orthopedist. The insurer denied the claim on appeal. His attorney immediately filed suit in federal court. After negotiating with the insurance company, his attorney was able to reach a favorable settlement with the insurance company.”
1611, ok
“A business development manager for US Foods had back surgery. After surgery he developed radiating pain and was eventually diagnosed with Radiculopathy. He could not work due to his symptoms. Cigna approved his initial request for long-term disability benefits. Four months later, despite knowing that the manager was scheduled for an upcoming invasive surgery, Cigna terminated benefits. Cigna hired a physical therapist who determined that the manager could still work despite his symptoms.
Exasperated with the decision from Cigna, and worried about the upcoming expenses from surgery, he contacted Fields Disability to assist with his appeal. The attorneys worked with our client’s doctors to obtain all treatment records, and hired a vocational expert to report on how our client’s condition made returning to work impossible. As a result of the strong evidence submitted on appeal, our client received back-pay and had his benefits reinstated. He was happy that Fields Disability handled the appeal process quickly and his awarded benefits could help pay for his ongoing treatment.”
1612, ok
“An oil field worker from Oklahoma injured his back and could not sit or stand for any amount of time without pain, so work became impossible. He was approved for Social Security disability benefits, but was denied for long-term disability payments through his insurer at work because he apparently did not fit their definition of disabled.
Confused about the decision, and worried about his income, he called Fields Disability for help. Our team contacted all our client’s treating doctors for updated medical records. Our attorneys filed a preliminary appeal based on the records but unfortunately the insurance company did not change its mind. Our team then hired a vocational specialist to write a special report for our client, highlighting his inability to work.
After reviewing the report, the insurance company changed their mind and issued ongoing benefits and a lump-sum for back pay. After two years of fighting, our client finally restored his income. He was overjoyed with the result, and happy with the persistent advocacy from Fields Disability.”
2598, or
“A Human Resource Professional from Rockaway Beach, Oregon suffered from sudden bouts of dizziness and vertigo. Her doctors suspected it was Persistent Postural Perceptual Dizziness, a chronic condition of the inner-ear. Her condition made work impossible and maintaining her normal daily routine nearly impossible. She applied for long-term disability through her employer’s insurance plan and received benefits for two years. At the two-year mark, the insurance company stopped paying because they said she could return to work at another job.
She was worried for her lost income, and afraid to change careers after many years so she called Fields Disability for help. Our team obtained the claim file from the insurance company and found that the insurer used faulty vocational reporting to find hypothetical jobs for our client. Fields attorneys obtained updated expert opinions from our client’s doctors and drafted two separate appeals to the insurance company. The insurance company did not reinstate benefits and Fields attorneys filed a lawsuit in federal court against the insurance company. During preparation for a hearing, our attorneys negotiated a generous lump-sum settlement. Our client was happy to accept and is pleased to be through fighting with her insurer.”
2556, or
“A logistics manager for a large international retailer needed to leave work due to mental health symptoms, as well as the gradual onset of fibromyalgia. She applied to her disability insurance carrier, who denied her claim from the outset. After she filed her own administrative appeal, the insurer upheld the denial and notified our client her claim would remain closed.
She found Fields Disability after searching for help online. Our attorneys investigated whether our client had a lawsuit against the insurer. In reviewing the insurer’s file, our attorneys determined there was substantial evidence supporting our client’s claim. After filing a lawsuit, our attorneys successfully negotiated a favorable settlement of our client’s disability claim.”
2545, or
“Our client was a project manager for an international IT company. He developed severe migraines and headaches which hindered his ability to work at a computer and tolerate office lighting. He submitted a claim to MetLife, his disability insurance carrier. His claim was initially paid, until MetLife had a so-called independent doctor review his medical records. The doctor said there was no evidence to support that our client would not be able to work. Quite the contrary, our client had three treating physicians that agreed he could not and should not return to work in any capacity.
Our client found Fields Disability while searching for help online. Our attorneys reviewed the claim file from MetLife and determined severe clinically significant findings were overlooked by the independent doctor. We then secured favorable reports from our client’s treating physicians and submitted the appeal. MetLife quickly reversed its denial of benefits and reinstated our client’s claim.”
2528, or
“Our client was an Art Professor in Portland, Oregon. She had struggled with her mental health for years, and eventually needed to leave work to focus on her recovery. She submitted a claim to Liberty Mutual for Long Term Disability benefits, but her claim was denied. The insurance company had one of its doctors review her claim. The doctor, who was on Liberty’s payroll, stated our client was capable of performing her job as an Art Professor.
Unsure what to do, she hired Fields Disability for help getting the denial overturned. Our attorneys thoroughly reviewed the insurer’s claim file and determined several errors were made. The attorneys then secured medical evidence and letters of support from our client’s therapist and doctor. The appeal strongly supported our client’s claim and entitlement to benefits. After a short review, the insurance company agreed to open the claim and pay our client all outstanding benefits.”
1664, or
“A Warehouse Worker form Oregon suffered a stroke that paralyzed his left arm and right leg, forcing him to use a cane for ambulation. The stroke also caused cognitive deficits and wreaked havoc with the man’s memory. Unable to work in a warehouse environment any longer, the man applied for long-term disability benefits through his insurance carrier. The insurer initially approved his claim on application. However, after only two years they terminated his benefits claiming he did not have enough medical support to prove a sufficient level of functional impairment.
The man sought out help to appeal the insurer’s denial decision. He did online research of the best disability firms and found Fields Disability. He contacted us and immediately received a call from one of our attorneys. After signing on with the firm, our team of disability attorneys began gathering updated medical records from all of his providers, a letter of support from his primary care physician, and acquiring the results of a functional capacity evaluation he underwent.
Our attorneys crafted a lengthy appeal dissecting and countering the insurer’s denial letter arguments, and submitted the entire stack of documentation to the insurer. The insurer was unable to refute the evidence and arguments presented in our appeal, and soon reversed their prior denial. The man soon got a check for his back benefits, and the insurer reinstated his benefits forward. He could have not been happier with the outcome.”
1649, or
“A military veteran originally ceased working as a Scheduling Specialist due to chronic low back pain, lumbar spine disc disease, and lumbar radiculopathy status post lumbar spinal surgery. Since the first reporting his disabilities, and his inability to work, to his employer and carrier, Liberty Mutual, this veteran endured a complicated and extensive medical history.
He exhausted his short-term disability benefits, and applied for long-term disability benefits, which was approved by Liberty Mutual; however, after receiving long-term disability benefits for a brief period of time, his claim was preemptively terminated by Liberty Mutual.
Liberty Mutual terminated his long-term disability benefits by an impersonal letter alleging he did not meet the definition of “Disability” because they believed he was capable of performing the Material and Substantial Duties of a Scheduling Specialist. Upset with this termination, and sudden loss of income, this veteran contacted Fields Disability for help.
The attorneys at Fields Disability contacted all of his doctors, had favorable reports written on his behalf, and submitted an appeal to Liberty Mutual. After a brief period of time, Liberty Mutual had no other decision but to reverse its prior termination decision, and reinstated benefits immediately. Our client was extremely excited, and was happy with the quick turnaround from the staff at Fields Disability.”
1713, or
“A Nurse’s assistant from Oregon had a minor twinge in both knees. Then, within two weeks, the pain flared up to a severe level. The nurse’s job required her to help lift and move patients, and be on her feet all day. Her condition forced her to stop working. Her insurance company granted long-term disability benefits and paid her for about four months. Then suddenly they sent her a letter stating that she could return to work so the benefits were denied. She appealed to the insurance company to no avail.
Worried about her lost income, she called Fields Disability for help. The attorneys at Fields began collecting medical records from multiple doctors and physical therapists to prepare for a final appeal. With the evidence strengthened, Fields attorneys sent a strong appeal to the insurer explaining that our client could no longer work as a Nurse’s Assistant. The insurance company agreed and our client received a lump-sum check for back pay, and monthly benefits through the end of the policy period.”
1582, or
“A home appliance inspector and installer from California could no longer work without having a flare up from his Degenerative Disc Disease and other surgery-related back pain. His insurer approved long-term disability benefits and paid him monthly benefits for five years. Then the insurer suddenly canceled benefits, saying that they surveilled him and saw a few minutes of activity that showed he could work.
Worried about his lost income he called Fields Disability for help. Our team gathered almost 4000 pages of medical records and asked doctors for updated reports to support our client. The Fields attorneys examined the evidence and sent a strong appeal to the insurer. Unfortunately, the insurance company did not change their decision, so our attorneys filed a lawsuit in federal court. During a conference with the judge, we presented a comprehensive summary of more than seven years of medical records and negotiated a generous lump-sum settlement to close the claim.”
1663, or
“A registered nurse from Oregon was 10 years away from retirement. She had worked at the same hospital for 40 years, but had a very complicated medical history due to her clostridium difficile intestinal infections. One day she awoke to extreme pain and discovered blood in her stool. She went to the nearest emergency room and learned she had developed an autoimmune disease called Sjogren’s in addition to Lupus, adrenal insufficiency, thyroid issues, and celiac disease.
The nurse applied for and was granted short-term disability benefits, but just a month later the insurance company cut off their payments. In their denial letter, the insurer claimed the woman did not fit the definition of disability, claiming to have based their decision on an independent physician’s peer review of her medical records. She was stunned, and tried applying for long-term disability benefits without the assistance of an attorney, but was again denied on the same grounds.
The woman knew she needed help and retained Fields Disability to help fight the insurance company. The Fields team wrote a multi pronged appeal of the insurer’s decisions concerning both her short and long-term disability benefits. Our attorneys argued that the insurance company made multiple errors in their evaluation of our client’s ongoing conditions, and incorrectly limited their consideration to only one physician’s peer review.
However, the insurer decided to reject the appeals, claiming that the woman was still capable of full time employment as a nurse. The Fields Disability team filed a lawsuit in federal court. Faced with litigation, the insurance company quickly moved to settle the case and our attorneys were able to secure a large settlement for our client.”
2551, pa
“A Press Operator at a printing company became disabled after suffering a series of blackouts. He was unable to stand or walk for any significant periods of time due to the danger of falling over. Initially, MetLife agreed that he was unable to perform his duties at the printing press. However, MetLife denied benefits during the Any Occupation period in the policy, stating the man could return to work at a number of sedentary jobs, depsite the doctor vehemently telling the insurance company that his patient was unable to work due to the danger of blacking out in the work space – even at a sedentary-type job.
The Fields attorneys collected updated medical records and a narrative report from our client’s treating physicians outlining his inability to work. The medical support was submitted with a brief arguing that our client’s blackouts would completely rule out any potential job base due to liability issues. MetLife agreed and reinstated the disability benefits and our client was able to continue treating for his blackout episodes with his financial security re-established.”
2533, pa
“Our Client was a marketing manager based in Pennsylvania. She contracted Lyme disease and developed associated fibromyalgia and chronic fatigue syndrome. She was unable to perform her skilled and stressful work which included travel, entertaining clients, and regularly working more than 40-hours per week. Her long-term disability insurer initially paid her claim but later denied her benefits stating that she was able to return to her work as a marketing manager.
Our client filed her own appeal which showed that the was unable to even perform a desk job on a sustained basis. The insurer denied her appeal. Fields Disability assisted our client with a federal lawsuit. During settlement negotiations, the insurer claimed our client’s benefits were limited to just 24 months total due to policy limitations. Our attorneys successfully negotiated a settlement well in excess of the 24 month limitation and assisted our client in closing her case on favorable terms.”
2489, pa
“A woman from Pennsylvania who worked as a bank teller suffered from severe and chronic pain as a result of Chronic Regional Pain Syndrome. This left her unable to perform any work as she would be completely incapacitated by her pain and the side effects from the heavy narcotics used to manage her pain. Liberty Mutual, her long-term disability insurer, denied her claim, asserting that a reviewing doctor concluded that she had the ability to perform the duties of her job.
Clearly unable to work and not sure of how to fight the insurance company, she reached out to Fields Disability. Her attorney at Fields went right to work reviewing the entire file from the insurance company and the report from the insurance company’s doctor. After completing his review, her attorney developed a winning strategy for her appeal. He updated medical records and obtained statements from multiple doctors the client had treated with. With the updated records and reports, he then drafted an appeal which highlighted her condition and how it prevented her from working. The insurance company reversed their decision and reinstated the client’s monthly benefits. The client was so thankful to get her benefits back.”
2481, pa
“Our client was a nurse from Pennsylvania. She suffered from hip dysplasia, failed back surgery, hypothyroid and hypertension. She began receiving long-term disability benefits through her employer’s long-term disability carrier after her doctors removed her from work. After receiving benefits for many years and fighting several denials of benefits, the insurer denied benefits for a final time, asserting that she could return to full-time gainful work despite her chronic and permanent conditions. After the insurer denied her appeal, she turned to Field’s Disability for help and we brought a lawsuit on our client’s behalf. After bringing the lawsuit our team was able to negotiate a settlement for our client so that she never had to fight the insurer again.”
1730, pa
“A nurse became disabled after developing severe nerve pain resulting from multilevel disc herniation and a failed cervical fusion. It affected her ability to help her patients and she left work permanently because she could no longer provide the requisite level of care. The insurance company sporadically paid benefits, occasionally cutting the woman off pending updated medical records. However, the insurer sent the woman a letter informing her she could perform a full array of sedentary work. The woman was alarmed, because all of her doctors agreed that she was completely disabled and unable to return to any work. She had no idea where the notion that she could return to work came from.
Fields Disability filed an appeal on the woman’s behalf. We closely examined the information the insurer used to deny the woman’s claim. We determined that it failed to properly examine the medical records from the woman’s orthopedic doctor. We secured a medical source statement from the orthopedic doctor and a narrative report from a consulting physician. After submitting the reports with the appeal, the insurer quickly overturned its decision to deny benefits and reinstated the woman’s claim. The woman was thrilled with the decision and was thankful for Field’s help.”
1650, pa
“A shift supervisor at a retail store became disabled when her chronic migraines worsened and rendered her almost completely incapacitated. Liberty Mutual paid her claim for just over a three months before denying benefits. Liberty abruptly sent the woman a denial letter stating there was insufficient medical evidence to show the woman was disabled. The woman was surprised because she had continued treating with her doctors who all agreed she could not work.
The woman hired Fields Disability to appeal the decision. Our attorneys updated her medical records and requested letters from her doctors describing the woman’s severe migraines. Those documents were submitted with factual and legal arguments about Liberty’s failure to give appropriate weight to the woman’s medical records. Liberty reinstated benefits and paid the woman everything she was owed under the terms of the policy. The woman was so pleased with the work done on the appeal that she hired Fields Disability to continue monitoring her claim and ensure Liberty Mutual treated her fairly.”
1771, pa
“Our client was a paralegal from Pennsylvania suffering from the after effects of a failed cervical fusion surgery, and chronic pain. She received long-term disability benefits for several years before her insurance company hired a private investigator to follow and videotape her. The surveillance footage showed she went on a few errands on one day out of three. Unfortunately, the insurer denied the claim arguing this proved she could work.
Our client appealed these decisions on her own but was unable to get the insurer to reverse their decision. Next, she turned to Fields Disability for help. Our team filed a lawsuit on our client’s behalf and were able to negotiate a settlement resolving the matter so our client never has to deal with the insurer again.”
1613, pa
“A man from Pennsylvania who worked as a mechanic suffered from severe back pain and sciatica. The pain prevented him from performing his job as a fleet mechanic for US Foods. Cigna, his long-term disability insurer, denied his claim for long-term disability benefits, asserting that the medical information did not show that he was physically limited.
Clearly unable to work in his condition, he found Fields Disability. His attorney at Fields began reviewing the entire file from the insurance company and the report from the insurance company’s doctor. After completing his review, his attorney knew exactly what needed to be done. He updated medical records and obtained statements from our client’s orthopedist. With the updated records and reports, our attorneys then drafted a winning appeal. The insurance company reversed their decision and reinstated the client’s monthly benefits. The client was so thankful to get his benefits back and relieved that he would no longer have to worry about supporting himself and his family.”
1714, pa
“An equipment operator from Pennsylvania suffered from arthritis, lower back pain, coronary artery disease and atrial fibrillation. His symptoms were severe and he was forced to stop working. He received long-term disability benefits through Prudential for two years until Prudential suddenly stopped paying his benefits, insisting that he was able to work again.
Shocked and confused by the sudden loss of benefits, he contacted Fields Disability for help with an appeal. Fields Disability attorneys contacted Prudential for all of their records, and contacted our client’s doctors for additional records. Our client had a very short timeline to get his appeal in. Our attorneys were able to meet every deadline even though Prudential refused to extend a single date. The appeal was submitted on-time, and Prudential granted our client ongoing long-term disability benefits and a lump-sum check for back-pay. He was overjoyed at the result, and was happy to have this crucial source of income back.”
3032, ri
“A senior maintenance supervisor became disabled from work because his herniated discs, memory issues, back pain, atrial fibrillation, and fibromyalgia became so debilitating that he could no longer perform his job. He applied for Long Term Disability benefits and remained on claim for two years before being denied. Knowing he needed help to fight the denial, he retained Fields Disability to represent him.
The Fields Disability team requested our client’s updated medical records, and we obtained a letter of support from his recent treating providers. We appealed the decision, and the insurer upheld the denial, but the Fields Disability attorneys were able to negotiate directly with the insurance company and secured a lump sum settlement for our client without having to go through a long and costly lawsuit.”
1731, ri
“A quality control worker for a pharmaceutical company was diagnosed with depression, anxiety, and COPD. Her symptoms forced her to stop working. She was initially approved for long term disability benefits through her insurer at work, but after two years of benefits, the insurance company stopped payment.
Worried about her lost income, she contacted Fields Disability for assistance. Our attorneys gathered medical records from all of our client’s doctors and reviewed the insurance claim file. There was ample evidence that our client was still disabled and unable to work. Our attorneys filed an appeal to the insurer, but the insurance company did not change their mind. Fields attorneys filed a lawsuit in federal court to fight for our client. During preparations for trial, our attorneys negotiated a generous settlement. Our client was happy with the settlement check, and pleased that the fight with her insurance company was over.”
3210, sc
“A Mortgage Loan Processor from South Carolina was forced to stop working due to chronic pain, fibromyalgia, migraines, and right hip bursitis. After more than three years of receiving Long Term Disability, her insurance company made the decision to discontinue her benefits. After an unsuccessful attempt to get her benefits reinstated, she turned to Fields Disability for help.
Our Disability Attorneys put together a strong appeal including her most up-to-date medical records, but the insurance company continued to uphold their denial. In response our team filed a lawsuit against them for the non-payment of benefits. After a few months of litigation, Fields Disability was able to reach a settlement with them which will provide financial security to our client for years to come.”
2561, sc
“A Fulfillment Associate from Lyman, South Carolina began experiencing severe back pain. She received a spinal cord stimulator from her doctor to treat the pain. Eventually, she could no longer lift or push the merchandise that her job required, and she was forced to stop working. She was paid monthly benefits for a few months, but then the insurer abruptly stopped the payments because they said she could return to work.
Upset and worried about her lost income, she contacted Fields Disability for assistance. Fields attorneys scoured the insurer’s denial documents and discovered they ignored recommendations from one of our client’s doctors. Our team obtained updated medical records and opinions from our client’s doctors. With the updated evidence our attorneys submitted a strong appeal to the insurance company. They overturned their original decision and reinstated benefits for our client who received a lump-sum payment for back-pay and ongoing monthly benefits. Our client was pleased with the help Fields Disability provided, and happy to be done fighting her insurance company.”
2530, sc
“A South Carolina man had a great paying job for a large construction company as a power line maintenance foreman. Unfortunately, he fell off of a catwalk suffering serious injuries to his foot, neck, head, and shoulders. He successfully filed a workers’ compensation claim and received benefits for two years.
At the time of his injury, he was incorrectly told by his employer’s human resources manager that he could not receive both workers’ compensation and long term disability benefits. Relying on the human resources manager’s statement, he did not seek Long Term Disability benefits until his Workers’ Compensation benefits ran out two years after his injury. When he did apply to the insurance company for disability benefits, he was denied. The insurer stated that his long term disability policy required him to apply for benefits within a year and a quarter of his date of injury. He told the insurer about his human resources manager’s statement, but they still claimed he did not have a reasonable excuse for his delayed filing.
He turned to Fields Disability and our attorneys appealed the insurance company’s decision, arguing that they breached their fiduciary duty and made an improper claim denial. However, the insurer again denied our client’s claim, relying solely on the word of his employer’s human resources manager. Knowing that the basis for the decision was bogus, the attorneys at Fields Disability moved to file a lawsuit. Faced with our mounting litigation, the insurer soon agreed to a settlement. Our client was relieved to receive his check, and was soon able to focus on his recovery.”
2529, sc
“A 58-year-old man who worked for the railroad as a surveyor, developed a heart condition which resulted severe weakness and fatigue, and unfortunately, placed him at extreme risk of myocardial infarction or sudden cardiac death. The job of a surveyor is highly risky because the job requires consistent standing and walking, and perhaps more significantly, lifting, carrying, pushing and pulling objects in excess of 60 lbs. He also has to constantly walk and stand, and frequently climb, which places extreme stress on his heart. Shockingly, despite his condition and his physically demanding job description, the disability carrier refused to grant disability payments and told him he had no choice but to continue working, despite the extreme risk to his health.
Having never worked with attorneys before, he reluctantly hired Fields Disability, who comforted him and guided him through the process of filing an appeal of his long-term disability denial. The Fields attorneys worked with medical providers, collected and assembled all medical records and supportive reports, and filed an appeal. The disability carrier reversed its denial and awarded long-term disability payments. This client was grateful as he is now in recovery, and hoping to return to work; but, importantly, has the necessary finances to meet his needs.”
2493, sc
“An aircraft mechanic ceased working due to low back pain because he was unable to keep up with the physical demands of his job. His claim was paid for the entire Own Occupation period of the policy, but when the definition changed to Any Occupation, the insurance company denied continuing benefits. The insurance company said the mechanic would be able to perform a number of desk jobs, despite only holding mechanical jobs for the past 30 years.
He hired Fields Disability to appeal the determination. Fields attorneys hired a vocational expert to discuss our client’s work history and his non-competitiveness for desk work. The insurance company denied the appeal, but totally failed to respond to the vocational expert’s report. The Fields attorneys were able to successfully negotiate a large settlement leveraging the insurance company’s error.”
2491, sc
“A manager from South Carolina suffered from Multiple Sclerosis. His condition was debilitating and progressive. He had good days and bad days, but often would suffer from numbness in his extremities, memory deficits, and motor dysfunction. He received Social Security Disability benefits due to his condition. Despite his symptoms and Social Security status, the insurer denied his long-term disability benefits. The insurer said that there was insufficient objective evidence of his disability.
Worried about his worsening condition and lost income, he called Fields Disability for help. Our team gathered all our new client’s medical records and set up neurological tests to bolster the objective evidence supporting the claim. We also gathered and sent our client’s entire Social Security file to show the insurance company that their decision conflicted with a federal agency. After a lengthy reconsideration, the insurance company reversed their decision and our client received a lump-sum payment for back pay and began receiving his monthly benefits again. He was pleased with the persistent approach of the Fields Disability team and is glad to be through fighting with his insurance company.”
2421, sc
“Our client was an assistant manager at a large outlet store. She handled everything from payroll, scheduling, to unloading shipments in the warehouse. When she developed fibromyalgia, it exacerbated her depression and anxiety resulting in a complete inability to work. She submitted a claim to her disability insurance carrier, who determined she was not disabled from her job. Our client’s doctors vehemently disagreed.
She found Fields Disability and hired us to file an appeal on her behalf and challenge the wrongful denial. We secured a report from the client’s treating provider that outlined the difficulties our client would have with her work as an assistant manager. Our attorneys assembled the medical information and filed an appeal with the insurance company. After reviewing our client’s case, the insurer approved her claim.”
1684, sc
“A man from South Carolina was successfully working as an electrical engineer and making a great living. Unfortunately, he was diagnosed with vestibular disease which caused serious symptoms which included chronic dizziness, balance problems, and migraines. Due to his symptoms, he was unable to perform any work, spending many days in bed. His long-term disability insurer, MetLife, denied his claim stating that the medical evidence did not support that he was disabled from his occupation.
No longer able to work and not knowing what he was supposed to do, he found the attorneys at Fields Disability. Our attorneys reviewed all of the records from the insurance company and requested updated medical records and a report from the client’s treating neurologist. With updated records and a full understanding of the insurance company’s arguments, our attorneys drafted a winning appeal which forced the insurance company to reinstate benefits. The client was overjoyed to know that he was going to be receiving all of the backpay he was due and would be receiving a check monthly to provide for himself and his family.”
1772, sc
“A broadband technician suffered tears bilaterally in his shoulders. He filed a disability claim and was paid benefits for several years until the insurance company denied the man’s benefits stating that there was no evidence to show he was unable to work. The man was confused because he had just undergone a major surgery on one of his shoulders. He submitted his own appeal which was quickly denied.
He hired Fields Disability to negotiate a settlement with the insurance company. After preparing for a lawsuit and spotting a number of mistakes in the insurance company’s review, we reached out to the company’s senior legal counsel to pursue pre-litigation settlement. The insurance company quickly agreed to pay our client a substantial sum of money.”
1651, sc
“A 59 year-old warehouse stocker became disabled after suffering a stroke. Her job required her to climb ladders, perform heavy lifting, and spend almost the entire shift on her feet. Liberty paid her claim for just over a year before denying benefits. Liberty based its denial on recent treatment notes where the woman’s treating doctor failed to note any sort of neurological deficits, despite problems with imbalance and prolonged walking.
The woman hired Fields Disability to appeal the decision. Our attorneys reached out to the medical staff at the woman’s primary care clinic and requested a narrative report documenting the severe ongoing neurological issues. This report was submitted with updated medical records and vocational information documenting the heavy duties required at the warehouse stocking job. The appeal was so strong that Liberty reinstated benefits just a week after receiving the documentation. The woman was able to continue treating for her condition with the financial burden of the denial behind her.”
1741, sc
“A Warehouse Specialist from South Carolina suffered from severe and unrelenting Gout. His treating providers took him off of work and he applied for Long Term Disability benefits through his employer’s plan, but Sun Life Financial denied his application asserting his claim was both barred as pre-existing and that, even if that were not the case, his condition was not severe enough to qualify for his disability benefits.
He reached out to Fields Disability for help fighting this incorrect decision. Our team was able to establish through medical records, narrative reports, and procedural filings that our client’s claim was not barred as pre-existing. Additionally, we established that our client more than satisfied the relevant policy’s definition of disabled. After reviewing our appeal, Sun Life Financial reversed its decision and paid our client his entire benefit.”
1573, sc
“A woman who worked as a housekeeper became entirely unable to work due to chronic back pain and degeneration of her lumbar discs. Aetna paid the woman her long-term disability benefits for 24 months because she could not perform her job as a housekeeper. After 24 months, Aetna ceased her benefits, stating that in order to continue to receive benefits, she needed to be disabled from any occupation. She came to Fields Disability distraught, knowing that she could not work at all anymore due to her pain, but that Aetna was stopping her benefits.
Our attorneys could see that Aetna had failed to properly evaluate our client’s claim. Aetna relied excessively on certain evidence, while ignoring evidence that was supportive of her disability. We drafted an appeal that exposed Aetna’s mistakes. We also reached out to her doctors to obtain reports supporting her disability, which were vital to her case. These reports allowed us to prove that our client was unable to work in any occupation. In the end, we were successful in reversing Aetna’s denial of benefits and our client was awarded ongoing benefits.”
3038, sd
“A Social Worker was rendered disabled by her chronic Urticaria/Angina and various Autoimmune conditions. After being denied for Short Term Disability benefits, she reached out to Fields Disability for assistance. Our team appealed the denial and helped her apply for Long Term Disability and Social Security Disability benefits. Although our client was subsequently approved for Social Security Disability benefits and even her student loans were discharged due to her disability, the insurer denied her claims for both Long and Short Term disability benefits.
The Fields Disability attorneys filed a lawsuit against the insurer. During litigation, our client emphasized resolving the matter quickly via settlement. Our attorneys sent an initial demand to the insurer, and negotiations commenced. Fortunately, the strong advocacy of our attorneys resulted in a great offer from the insurer, which our client gladly accepted. She walked away with a lump sum payout, happy and grateful for the entire Fields Disability team.”
3039, sd
“A Client Program Manager with Degenerative Disc Disease, Fibromyalgia, and Vertigo had her Long Term Disability benefits terminated by her insurer. The attorneys at Fields Disability represented her during the appeal process eventually getting their decision overturned. Our client continued her partnership with Fields Disability while she remained on claim, and we took care of all communications and requests made by the insurer.
Years later, the insurer indicated they were interested in buying out her claim. Our team made an offer to the insurer and, after briefly negotiating, were able to work out a deal awarding our client nearly the entire remaining value left in her claim. She received a lump sum check in the following weeks and was able to close out her claim permanently.”
3045, sd
“A Machining Engineer suffered injuries to his ankle and back causing degeneration and complex regional pain syndrome. Unable to continue working, he applied for Long Term Disability benefits. He was initially approved, but after two years he was denied when the definition of Totally Disabled transitioned from Own Occupation to Any Occupation. He appealed the decision himself, but the insurer maintained their denial.
Knowing he needed help, he retained Fields Disability to fight for his benefits. Our team filed a lawsuit against the insurer in federal court and litigated the case for several months. Eventually, negotiations began, and soon our attorneys were able to work out a lump sum settlement for our client’s remaining Long Term Disability claim. “
3048, sd
“A municipal maintenance worker suffering from carpal tunnel syndrome and fibromyalgia was paid Long Term Disability benefits for several years before her insurer denied her claim. Despite her conditions, she continued to work part-time throughout her entire claim, and her insurer tried to use this against her. That was when she reached out to Fields Disability.
In an appeal, our attorneys explained that her pain made it impossible for her to work full-time in any capacity and provided updated medical records and reports to support this. Unfortunately, her insurer upheld their denial. The Fields Disability attorneys filed a lawsuit on this claim and quickly began negotiations, leading to a deal that got our client the majority of what she was owed. Our client was so thankful for how hard the entire Fields Disability team worked to get her the fastest and best results on her case.”
3062, sd
“A Customer Care Advocate from South Dakota developed small fiber neuropathy, chronic migraines, and multi-level disc herniations. Unable to continue working, she applied for Long Term Disability benefits from her insurance carrier. She was approved and remained on claim for about half a year. The insurer then terminated her claim writing that the medical records no longer supported disablement from her own occupation. Knowing she needed help, she retained Fields Disability to help fight for her benefits.
The Fields Disability team gathered her updated medical records and secured several letters of support from her treating providers. We also wrote a lengthy appeal of the insurer’s denial letter. The insurer considered the appeal, but decided to perform numerous peer reviews to support their denial decision. While our team was able to get several responses from our client’s providers, the insurer maintained their denial in contradiction to the medical opinions. Our attorneys then filed suit against the insurer in federal court. After several months of litigation, we were able to work out a settlement deal which provided our client a lump sum settlement of her disability claim.”
3065, sd
“A medical coder from South Dakota was forced out of work due to chronic pain, spinal fusions, and muscle spasms. She had tried numerous methods of pain management over the years, but nothing helped get her pain fully under control. She applied for Long Term Disability benefits with Unum, but her claim was denied at the application stage. She turned to Fields Law Disability for help appealing the denial.
Our team gathered her medical records and a statement from her primary care provider in support of her disability. Unum reversed their decision and approved our client for ongoing Long Term Disability benefits. She also received a lump sum payment for the back benefits owed to her.”
2611, tn
“A sixty-three-year-old Nurse Case Manager ceased working due to depression, anxiety and non-epileptic seizures. After receiving benefits for 24 months, the insurance company terminated her benefits alleging that all of our client’s conditions were mental health related and subject to a twenty-fourth month limitation. Distraught at how the insurance company completely ignored her seizure disorder that greatly impacted her daily life as just a manifestation of her underlying mental health condition,she reached out to the Attorneys at Fields to assist with her appeal.
The team at Fields obtained all of our client’s medical records, the Social Security Administration’s file for her disability claim, and requested narrative reports from her most supportive doctors including her primary care physician and neurologist. The attorneys at Fields meticulously combed through the insurance company’s administrative record, the long-term disability policy, and our client’s medical records to identify all of the instances where our client’s seizure disorder was documented as an organic brain disorder, not subject to the 24-month mental health limitation. Based on how her claim was handled by the insurance company, our client was convinced that the insurance company would uphold their denial. Nonetheless, the attorneys at Fields put together a strong appeal reinforced with updated medical records and our client’s doctors’ supportive narratives. The insurance company reversed its decision and reinstated our client’s benefits. Our client was overjoyed that the attorneys at Fields were able to understand her conditions and forced the insurance company to acknowledge them as well.”
2592, tn
“A Customer Service Manager from Savannah, Tennessee began having cognitive issues. He had trouble remembering things, he would lose his balance, and his speech began to slur. He was no longer able to work in his managerial role. He received long term disability benefits from his insurer at work for about six months, but then the insurance company stopped paying because they said he could return to work.
He was worried about his lost income and still unable to return to work, so he called Fields Disability for help. Our team obtained the claim file from the insurance company and Fields Attorneys found that the insurance company was egregiously misinterpreting our client’s job responsibilities. Our attorneys drafted a strong appeal to the insurer pointing out the errors in how they handled our client’s claim. The insurance company changed their mind and our client received a lump-sum for back-pay and ongoing monthly benefits. Our client was pleased to be through fighting with his insurer, and happy to have his income restored.”
2567, tn
“Our client suffers from Parkinson’s Disease accompanied with chronic pain, fatigue, and balance issues. He was taken out of work by his doctors and applied for and received short-term disability benefits. After exhausting these benefits, he applied for long-term benefits and was initially approved. In the meantime, he was also approved for Social Security Disability Benefits by the Social Security Administration. However, a few months later, his long-term insurer discontinued his long-term disability benefits, stating that his Parkinson’s was now stable and he could perform the work in his own occupation. Our client was lost and sought out the Fields Disability Team for guidance through this confusing process.
Our team quickly gathered all the information needed to submit an appeal for our client. Our attorneys drafted an appeal that pointed to the flaws in the insurer’s argument for terminating benefits. We explained that even the federal government deemed our client disabled from performing any type of gainful employment. Our attorneys also had our client’s doctors draft reports in support of disability. We pointed to specific instances in the medical records that also align with disability in any occupation. After this appeal and the help of the Fields Disability Team, the insurer understood our client was disabled and reinstated ongoing benefits.”
2541, tn
“Our client worked for many years as a Restaurant Manager for a national franchise. He developed severe depressive and anxiety symptoms resulting in an inability to work in his skilled and fast-paced job. Our client submitted a claim for long-term disability benefits with his insurer. He was initially paid benefits for a year and a half, until the insurer claimed he had recovered enough to return to work.
Our client’s benefits were denied based off of a report from the insurer’s doctor. He hired Fields Disability to sue the insurer in federal court. After several rounds of negotiations, we were able to reach an agreement with the insurance company to settle our client’s case on favorable terms.”
2535, tn
“Our client became disabled and filed a claim for long-term disability benefits, which was approved by Liberty Mutual. Benefits started and continued until Liberty Mutual sent a letter that stated our client’s long-term disability benefits were terminated because Liberty Mutual believed that the medical information it had was not sufficient proof to determine he meets the definition of disability, as required to receive continued benefits.
Our client was very upset with the sudden loss of income and contacted the attorneys at Fields Disability to help him appeal this adverse decision. Once retained, the attorneys at Fields Disability acquired medical records, functional capacity evaluations, and reports from our client’s treating doctors and submitted an appeal. In response to the appeal, Liberty Mutual made a decision reverse its prior decision and approved benefits, but only for a limited period of time.
Not fully content with this decision, the attorneys at Fields Disability filed another appeal requesting all the long-term disability benefits be paid and that they continue to be paid to the present day as our client was still unable to work. In response to the second appeal, Liberty Mutual made a decision reversing its prior decision and approved all of our client’s long-term disability benefits.”
2532, tn
“A plumber ceased working due to the development of fibromyalgia and chronic fatigue. His symptoms resulted in an inability to keep up with the strenuous physical demands of the job. The insurance company gave him trouble right from the onset. After denying his application, they sent him to a functional capacity evaluation. Even though the functional capacity evaluation clearly showed the man was unable to perform heavy lifting, the insurer denied his benefits. They told him that his inability to do the required lifting was due to taking time off from work.
Our attorneys filed a lawsuit in federal court on his behalf. After reviewing the insurance company’s records, Fields attorneys found several critical errors in the decision to deny benefits. We were able to leverage the errors into a favorable settlement, and our client was able to use the money to continue treating for his disability in hopes to improve his condition.”
2496, tn
“A 60-year-old individual who worked for a large tire manufacturer as a Staffing Coordinator was forced to cease work due to spinal stenosis of her lumbar and cervical spine, fibromyalgia, and hypothyroidism. She applied for long-term disability benefits, and Cigna paid her benefits for almost one year. One day, out of the blue, the woman received a letter from Cigna stating that medical personnel from Cigna reviewed her claim and stated that she could go back to work. These medical personnel gave these opinions without ever even meeting the woman.
She turned to Fields Disability for help. Our attorneys crafted an appeal in which we argued that Cigna misconstrued the nature of the woman’s job and the physical requirements associated with it. Furthermore, we argued that Cigna was wrong to rely on doctors who had never met or examined the woman. After Fields Disability submitted the appeal, Cigna reviewed the evidence and admitted they made a mistake by discontinuing her benefits. The issued a check for the past due benefits that they owed to our client, who was very happy she entrusted Fields Disability to handle her appeal.”
2399, tn
“A 49-year-old woman who worked in IT for most of her career became disabled and unable to perform her job due to a variety of medical conditions including lupus, fibromyalgia, GERD, anxiety, depression chronic pain, migraine headaches, irritable bowel syndrome, and carpal tunnel syndrome.
When she ceased work, she assumed she would have no problem applying and being approved for disability benefits through MetLife because, as she understood it, MetLife was supposed to pay disability benefits in the event she became unable to work. What the woman did not realize is the MetLife had the power to decide whether or not they thought she was capable of working. In her case, MetLife completely ignored woman’s doctors, who stated she was not capable of working.
The woman did not know what to do next. She knew she could not work, but did not know how to prove it to MetLife. She turned to Fields Disability for help. Our attorneys worked with our client’s doctors to explain the woman’s functional limitations to MetLife.
1744, tn
“A clinical manager applied for long-term disability benefits through her insurer after suffering fatigue, dizziness, headaches, and decreased short term memory, but was denied for benefits. The insurance company first denied her benefits when they determined that she was not eligible for benefits because the documentation did not support the conclusion that she was unable to perform the material and substantial duties of her own occupation as a clinical manager throughout her 180-day elimination period. She appealed this denial on her own, without the assistance of legal counsel, and the insurer again denied her claim for long-term disability benefits.
Upset with the insurer’s decision to deny long-term disability benefits, she called Fields Disability for help. The attorneys at Fields Disability filed a lawsuit in federal court to fight for our client. During preparation for trial, Fields Disability attorneys were able to negotiate a generous lump-sum settlement for our client, who was overjoyed with the resolution of her case.”
1715, tn
“A 62 year old manager at a retail store became disabled after developing degenerative disc disease in the lumbar region in her spine. Her capacity for lifting, staying on her feet, and even doing routine paperwork was significantly impaired. She applied for disability benefits through Prudential, and received benefits for about two years. However, Prudential decided the woman’s conditions were not severe enough to rule out working at a sitting or sedentary-type job. The woman was shocked because she couldn’t even sit for a half hour without severe back pain.
The woman hired Fields Disability to file an appeal on her behalf. We collected medical records and narrative reports to show a complete and holistic view of the claimant’s conditions, restrictions, and limitations. After a brief review, Prudential reversed its decision to deny benefits and started paying the woman’s claim. She was very pleased with the final result and vowed that Fields Disability would be the first call if Prudential ever tried to take her benefits away again.”
1773, tn
“A registered nurse became unable to work after her she fell and suffered a shoulder injury. Additionally, her diabetes worsened and resulted in neuropathic pain. These conditions resulted in chronic pain and an inability to safely care for her patients. Unable to work, she made a claim for long-term disability benefits which her long-term disability insurer denied.
The woman searched for a lawyer to help in her dispute with the insurance company. She reached out to Fields Disability and our attorneys evaluated her case for federal court and filed a complaint against the insurance company. In the end, we negotiated a settlement with the insurance company that allowed the woman to recoup a large portion of the benefits she was due.”
1762, tn
“A 38 year old female worked as a Health Care Coordinator, a job she thoroughly enjoyed as it permitted her to interact with and help people who are in need. Her job was demanding as it required her to constantly be on her feet, interfacing with people with mental health issues. While she wasn’t a trained psychiatrist, her job required her to provide a preliminary diagnosis so that the patient could be directed to the proper doctor for treatment. Analysis and positivity were at the heart of her job as she worked with people that sometimes were in a state of deep depression.
Unfortunately, she began experiencing tremendous dizziness and fatigue which, over time, evolved into full-blown fainting spells. Understandably, this made doing her job nearly impossible and she saw a doctor for help. She was diagnosed with seizure disorder and fibromyalgia and was advised that she should be extraordinarily cautious in performing the duties of her job. She continued with her job for several months, but eventually it became impossible to maintain the stamina the job required and she determined to file for disability.
The disability carrier made payments for a brief period, but then suddenly and without any warning, issued a denial. Fearful that she would be unable to take care of herself and her children, she hired the Fields Disability. Our attorneys collected supportive records and reports from her medical doctors and filed an appeal, which the disability carrier reviewed and reversed its denial. This client was overjoyed that she would now have money to take care of herself as she strives to figure out, with her doctors, how she can get better and return to work.”
1718, tn
“A hospital technician for a large healthcare provider suffered from chronic cervical spine and neck pain that radiated down her arms into her fingers, causing tingling and numbness. The insurance company discontinued her benefits alleging that she no longer met the definition of disability under her policy and was not entitled to benefits. The insurance company based its decision to discontinue benefits on a report from an Independent Medical Examination. The technician came to Fields Disability to challenge the insurance company’s decision.
Our team gathered evidence to show that our client continued to meet the definition of disability and her condition had not improved since she was originally awarded benefits. The Independent Medical Examination report that the insurance company relied on misstated, ignored, and selectively cited the substantial medical evidence in the file that supported our client’s disability. We argued that the insurance company had actually breached its fiduciary duty to our client in denying her benefits. Our team eventually filed a lawsuit in federal court on behalf of our client. We successfully settled the case for an amount that put our client at ease, knowing that she would have financial security despite her disabling condition.”
3282, tx
“A law office manager in Texas was no longer able to work because her chronic back pain was getting so severe that she couldn’t remain seated or sleep properly. She applied for disability benefits under her policy. She was approved for Long Term Disability benefits, and received monthly benefits. After two years, Prudential abruptly ended her benefits stating she no longer met the new policy definition of totally disabled.
Worried about her lost income, she contacted Fields Disability for assistance. The team contacted our client’s treating physicians, and obtained updated medical reports. The Fields attorneys scoured the denial documents noting that Prudential ignored recommendations from one of her treating physicians. After researching the medical record and the file, we submitted a strong appeal. Prudential reversed their denial, and our client received all past due benefits.”
3276, tx
“A Chemical Dependency Case Manager was unable to work, but had moved to Texas because the warm weather helped her COPD and joint pain. While she was working on establishing relationships with her new treating providers in Texas, The Hartford terminated her disability benefits.
Fields Disability assisted by appealing the determination on her behalf. Our attorneys ordered updated medical records and requested support from our client’s new doctors. The updated information was submitted to The Hartford, and, after a brief review, her benefits were successfully reinstated.”
3274, tx
“A Pharmacy Technician from Texas was removed from all work activities due to a work-related injury to the right knee. She applied for Long Term Disability benefits under her employer’s policy. Her claim was initially approved, but then Prudential denied her ongoing benefits stating that the medical records did not support continued total disability. She produced the additional medical information requested by Prudential, but was told that the information submitted still did not support her claimed restrictions and limitations.
Upset that she was unable to get Prudential to change their decision on her claim, she decided to contact the attorneys at Fields Disability. Our disability team requested all of our client’s medical records, functional and vocational analysis reports. After organizing and reviewing the supporting information, the Fields Disability attorneys drafted an appeal stating the faults in Prudential’s analysis of our client’s claim. After reviewing the information received on appeal, Prudential reversed the denial. Our client was paid back benefits for all of the months that were outstanding, and she continued to receive benefits.”
3270, tx
“A Senior Service Technician at a power plant in Texas had to stop working due to chronic pain and failed back syndrome. After two years of benefits, Prudential terminated his Long Term Disability, stating that at this point nothing would prevent him being able to work a sedentary job. Upon receiving this news, he decided he needed the assistance of the attorneys at Fields Disability to submit an appeal.
Our disability team acquired medical records, functional capacity evaluations, and a vocational abilities report. When all the supporting documentation was gathered, the Fields Disability attorneys submitted an appeal. On review, Prudential reversed the decision to deny our client’s Long Term Disability benefits. Our client received a check for all past due Long Term Disability benefits, and he continued to receive his disability benefits in the years following the decision.”
2589, tx
“Our client came to Fields Disability after her long-term disability benefits were terminated. The client has an active connective tissue disease that is manifested by joint pain, fatigue, and urticarial vasculitis. As a registered nurse, she could not perform the material duties of her occupation due to her disease. Her condition has limited her ability to function on a daily basis, and affects some activities of daily living.
Upon reaching out to the Fields Disability team, our attorneys gathered all the evidence from the medical records and claim file to support our client’s case. We obtained the support of her doctors and filed an appeal to the insurance company, pointing out that there was no logical or objective interpretation of the medical evidence that could allow somebody to conclude that our client could perform the duties of her occupation. The insurance company reinstated disability benefits for our client, who was very happy with the outcome.”
2588, tx
“A sixty-two year old Medical Secretary was forced to stop working as a result of multiple fractures sustained in a pedestrian/motor vehicle accident. She suffered multiple fractures including radius, scapula, tibial plateau, clavicle, ribs, tibia, as well as a cerebral hemorrhage. Two years after the accident, some of her tibial fractures remained unhealed. Nonetheless, the insurance company terminated her benefits after twenty four months alleging she could return to her previous occupation as a Medical Secretary.
She reached out to the team at Fields Disability to assist with her appeal of the insurance company’s decision to terminate benefits. Our attorneys worked with her primary care physician and pain management doctor to obtain supportive narrative reports addressing the physical restrictions and limitations that would not allow her to perform any occupation with the required persistence and pace needed for full-time employment. In addition, the team at Fields obtained updated medical records and put together a strong appeal that demanded the insurance company provide a full and fair review of her claim.
In particular, Fields Attorneys combed through the insurance company’s administrative record and found the initial medical record review performed by one of the insurance company’s own medical staff that stated our client would not be able to return to work and that a buyout of her claim should be considered. When the insurance company received the appeal the team at Fields had prepared for our client, along with supporting medical records and narrative reports, they had no choice but to reverse its previous denial and reinstate our client’s long term disability benefits.”
2585, tx
“An ultrasound technician ceased working due to severe anxiety, depression, and PTSD. She applied for short term disability benefits which she was approved for and was still receiving when her doctor advised she would have to undergo a knee replacement. The insurance company notified her that her long term disability benefits would not be approved for her mental health conditions but would be approved for her knee surgery with an important caveat. Her long term disability benefits would not begin until she satisfied her 180 day elimination period at which time she would have already recovered from her knee surgery.
Realizing she needed help, she reached out to the Fields Disability team to help get her long term disability benefits approved for the disabling mental health condition that was the reason she ceased working in the first place. Fields Disability attorneys reached out to her treating providers for both mental and physical conditions. Our team worked with our client’s therapist to obtain a detailed narrative outlining all of the significant events in our client’s life that contributed to her disabling mental health conditions.
Our attorneys prepared a lengthy appeal supported by numerous medical records and strong narrative reports from her treating providers and submitted to the Insurer. Not only did we make sure our client’s benefits would commence at the end of the elimination period but we also got the insurance company to overturn their mental health denial and award our client an additional four months of benefits she had been denied. Our client was incredibly thankful that our attorneys got the insurance company to acknowledge she was disabled due to both her mental and physical conditions.”
2562, tx
“A 40 year old Assembly Production Team Member was involved in a head-on collision and went to the emergency room and discharged same day and attempted to return to work the following Monday. Unfortunately, he was unable to complete a full day of work due to postural restrictions secondary to pain and reduced range of motion. He followed up with a chiropractor who diagnosed him with lumbar and cervical disc bulges and wrote work restrictions of 4 hour days and less than occasional bending, lifting, squatting, pushing, pulling and no lifting greater than 25 pounds.
As part of his job, our client was required to crawl in and out of automobile frames installing seats, trim, etc. The insurance company denied his long-term disability application arguing that he did not remain disabled through the entirety of the policy’s 90 day elimination period because although claimant had MRI evidence of bulged discs. The insurance company had one of their own doctors allege that there was no objective evidence of our client’s radicular pain. Unable to return to his employer with his work restrictions and unable to provide for his family, our client reached out to Fields Disability. The attorneys at Fields Disability gathered all of our client’s updated medical records and also reached out to the attorney representing our client for his motor vehicle accident to coordinate getting a narrative report from the spinal specialist he was referred to for a surgery consultation.
The Fields Team drafted a strong appeal highlighting all of the errors, oversights and omissions contained in the insurer’s medical review and denial letter. After receiving the appeal supported by updated medical records, including surgical recommendations from the specialist he was sent to, the insurance company was forced to overturn its initial denial and approve our client’s benefits.”
2479, tx
“A construction rigger from Texas was finally in remission after a fight with Leukemia. The treatments left him with severe inflammation and pain in his upper back and neck. Additionally, he experienced pain from a knee replacement. The symptoms were too much and he was forced to stop work. He applied for long-term disability benefits but the insurance company denied him, saying that he could return to work. His job required heavy lifting and mobility that he no longer had.
He contacted Fields Disability to help restore his income. Fields attorneys contacted our client’s doctors for updated medical records, and reviewed the claim file from the insurance company. Our attorneys submitted a strong appeal to the insurer, but the decision was unchanged. Fields attorneys then filed a lawsuit in federal court to fight for our client’s benefits. During preparation for trial, our attorneys negotiated a generous lump-sum settlement. Our client was overjoyed to be through fighting his insurance company, and pleased with the professional representation Fields Disability provided.”
2472, tx
“Our client was an electrician from Texas suffering from clubfoot deformity, failed surgical reconstruction, degenerative joint disease, arthritis and complex regional pain syndrome. Originally, his claim for long term disability benefits was approved through his employer’s plan. However, after the definition of disability changed under the policy, requiring our client to be disabled from Any Occupation the insurer discontinued his benefits.
With his conditions worsening and no other training to perform other work our client contacted Fields Disability for help fighting this decision. Our team put together an appeal outlining that our client’s chronic and severe conditions were in fact worsening over time. We gathered support in the form of narrative reports from our client’s treating doctors and vocational evidence in terms of his transferable skills, all pointing to the fact that our client continued to be disabled under the policy. Regrettably, the insurance company denied this appeal and Fields Disability filed a lawsuit on our client’s behalf. Our team was then able to negotiate a settlement of the claim without requiring our client to go to court.”
2419, tx
“A nurse became disabled after developing severe depression and anxiety stemming from a personal tragedy. She was unable to even get out of bed to go to work in the mornings. She knew that she was unable to care for herself, let alone sick patients. Aetna initially paid benefits to the woman solely on the basis of mental health, though the woman also suffered from severe rheumatoid arthritis. After the 24-month mental health limitation period in the policy had passed, Aetna denied benefits stating the woman’s physical conditions were insufficient to prevent her from working a sedentary job. The woman felt hopeless and originally decided not to pursue the case, however, at the advice of her social security attorney, she decided to hire a lawyer to file the appeal on her behalf.
Just two weeks before the deadline for filing, the woman hired Fields Disability to file an appeal on her behalf. We immediately rush-requested the woman’s medical records and requested narrative reports from the woman’s treating physicians. Included with the records and reports, we submitted a lengthy memorandum containing legal and factual arguments supporting the woman’s entitlement to benefits. Aetna reversed its decision to deny benefits and reinstated the woman’s claim. The woman’s financial security was restored and she was able to enjoy her back-payment check.”
2413, tx
“Our client was a Water Transfer Operator for many years prior to leaving work permanently due to disability. He had severe bilateral arthritis in his knees and excruciating low back pain with nerve involvement. Thinking he was covered, he submitted a claim to Unum, his long term disability insurance carrier. Unum agreed our client was unable to handle the machinery and heavy lifting that his job required. However, two years into the claim the insurer denied benefits.
The definition of disability in his policy had changed to consider whether our client could do any jobs in the national economy. Unum stated our client could do a number of clerical and office jobs, even though he had zero experience in those roles. Our client hired Fields to contest the denial. Our attorneys requested reports and letters from our client’s physicians. Using the favorable evidence from our client’s doctors, our attorneys wrote detailed arguments citing statutory and legal authority. After reviewing the appeal, Unum reinstated benefits.”
1654, tx
“Our client had worked as a Reservation Agent for a number of years, but developed severe low back pain and radiculopathy. He was forced to leave work. He applied for and received long-term disability benefits for his employer sponsored policy. After he was paid disability benefits for two years, his long-term disability insurer denied ongoing benefits, stating he could return to work full-time at a number of different jobs.
The man hired Fields Disability and our attorneys reviewed our client’s file and decided to pursue settlement with the insurer through a federal lawsuit. Our attorneys leveraged several mistakes in the administration of the claim into a substantial settlement, reflecting almost the entire value of future benefits under the policy. Our client was ecstatic to receive the benefits he was rightfully owed under the policy.”
1780, tx
“A nurse became disabled after developing degenerative disc disease in at the lumbar and cervical regions in her spine. Her capacity for lifting patients, staying on her feet, and even doing routine paperwork was significantly impaired. Unum, however, decided the woman’s conditions were not severe enough to rule out working as a nurse. She knew returning to work as a nurse was unsafe for both her patients and herself.
The woman hired Fields Disability to file an appeal on her behalf. Our attorneys assembled the medical records to present a complete and holistic view of the claimant’s conditions, restrictions, and limitations. Additionally, we submitted two narrative reports including and independent medical review and a strong report from the woman’s treating provider. After a brief review, Unum reversed its decision to deny benefits and started paying the woman’s claim. She was thrilled to receive a substantial backpay check, as she had been without income for roughly a year.”
1755, tx
“A sales executive from Texas suffered from severe depression and anxiety. His condition prevented him from performing his job. His insurer, The Hartford, initially approved his claim for long-term disability benefits. Roughly six months later, The Hartford denied the claim. They asserted that the available information in his file did not show that he was unable to perform his occupation.
Clearly unable to work and unable to fight the insurance company, he reached out to Fields Disability. His attorney at Fields Disability began by reviewing insurance company’s file. After completing his review, his attorney developed a plan to fight the denial. He updated medical records and had the client undergo a neuropsychological evaluation. With the updated records and results of the neuropsychological evaluation, he then drafted a winning appeal. The insurance company reversed their decision and reinstated the client’s monthly benefits and paid all the past-due benefits. The client was so thankful to get his benefits back and relieved that he would no longer have to worry about finding income to support his family.”
1742, tx
“A foreman from Texas started having back pain and neuropathy in his legs and feet. He was diagnosed with diabetes and his doctor also recommended back surgery. His symptoms became too severe and he was forced to stop working. He applied for disability benefits through Sun Life Financial but was denied based on an independent nurse’s opinion of his medical records.
Frustrated and angry with the decision, he contact Fields Disability to assist with the appeal. The attorneys at Fields Disability reviewed the denial documents from Sun Life and determined that the nurse’s assessment of our client’s medical records missed many key items. A doctor had referred our client to a cardiologist and back specialist just a few weeks prior to their denial letter.
Our attorneys mounted a strong appeal against Sun Life and kept our client informed at every turn. Ultimately the insurance company overturned the decision, granting our client ongoing benefits and a lump-sum settlement for back-pay. Our client was overjoyed with the decision, and relieved to have a steady source of income once more.”
1719, tx
“A Texas customer service representative began feeling short of breath. His doctor diagnosed him with congestive heart failure, and recommended limiting his activity. He stopped working due to his disability. The insurance company initially approved him for long-term disability benefits, but after nearly two years, they sent a letter saying that he no longer fit their definition of “disabled.”
Frustrated at the decision from his insurer, he contacted Fields Disability to determine his next steps. The attorneys at Fields Disability contacted our client’s doctors and compiled a strong summary of treatment and symptoms. The appeal was unsuccessful but our attorneys filed a lawsuit in federal court to fight for our client’s benefits. During preparation for trial, Fields Disability attorneys were able to negotiate a generous lump-sum settlement for our client’s remaining benefits.”
2607, ut
“A painter from Utah had developed sever spinal degeneration over his long career. Just a decade from retirement, his chronic pain and immobility reached a point where he was unable to continue working. He applied for long-term disability benefits but was denied by the insurer. The insurance company claimed that his medical records did not support a severity of symptoms that would preclude him from returning to work as a painter.
Knowing he needed help, he retained Fields Disability to appeal the denial. The Fields team began gathering updated medical records from all of his providers. The Fields attorneys wrote to his physicians and were able to get one to write a supportive narrative and another to complete a functional capacity assessment. Fields submitted the appeal with five exhibits totaling over two hundred pages. Upon consideration of the appeal, the insurance company quickly overturned their prior denial, issued a check for back payments and reinstated our client’s ongoing future benefits.”
2462, ut
“The head chef at a regional hospital in Utah developed extensive arthritis in his spine, hands and shoulders. He also suffered from several mental health conditions, including chronic alcoholism. His conditions eventually became disabling and applied for long term disability benefits from his policy’s carrier. He was initially approved for long-term benefits, which ran for a full year. However, the insurer then sent him a letter stating they were terminating his long-term benefits, claiming he was capable of returning to work in alternate occupations.
Not knowing where to turn, the man retained Fields Disability. Our team of attorneys ordered updated medical records from his providers and wrote to his doctors to ask for their support. The Fields team put together an appeal of the insurer’s denial decision and submitted it along with exhibits. The insurer spent several weeks considering the appeal before returning a decision on the case. They issued a letter stating they were overturning their prior denial decision, paid all the back benefits to date and reinstated all benefits going forward.”
2437, ut
“An Academic Adviser from Draper, Utah began experiencing intense bouts of anxiety and PTSD after she was sexually assaulted. She became so fatigued and anxious from her constant mental health struggles that she could no longer concentrate at work. She applied for long-term disability benefits through her insurance company at work and was approved, but after a few months the insurer stopped paying and said she could return to work.
Worried about her lost income and still experiencing serve symptoms of her trauma, she called Fields Disability for help. Our team obtained the full claim file from the insurance company and our attorneys scoured the record for places where the insurance company made legal or factual errors. Our attorneys drafted a strong appeal to the insurer based on updated medical records, expert testimony, and strong legal research. The insurance company changed their mind and overturned the decision and our client received a lump-sum check for back pay and ongoing monthly benefits. She was pleased with the diligent advocacy from Fields Disability and is happy to be done fighting her insurance company.”
2429, ut
“Our client was a 43-year old individual who worked as an Account Manager before going out of work due to our client’s Chronic Pain, Degenerative Disc Disease, Spinal Stenosis, Fibromyalgia, Anxiety, and Major Depressive Disorder. The employer provided a long-term disability policy, which our client elected to receive coverage under. When our client became eligible for long-term disability benefits from the policy’s carrier, Reliance Standard Life Insurance Company, our client applied for coverage and benefits and was initially approved for benefits and received monthly benefits for almost one year.
However, Reliance Standard terminated our client’s long-term disability benefits, indicating no benefits were payable because Reliance Standard concluded our client did not meet the definition of Totally Disabled. Reliance Standard based the decision to terminate benefits on our client’s Facebook page and found posts regarding a 4-day vacation with a rental car and translated this to mean that our client could return to work.
Upset with the arbitrary decision from Reliance Standard to terminate benefits, she contacted Fields Disability for legal representation and to submit an appeal of this adverse decision. The attorneys at Fields Disability were able to pull together comprehensive medical records, reports, and a timeline for this alleged vacation, and submitted an appeal for our client. In relative short order, Reliance Standard issued a new decision and overturned its prior denial of long-term disability benefits due to the appeal Fields Disability submitted. Reliance Standard proceed to issue a backpay check for the months that it failed to pay our client previously.”
2415, ut
“A Retail Manager from Saint George, Utah began having severe PTSD which resulted in severe anxiety, depression, and recurring panic attacks. She was forced to stop work. She applied for short-term disability benefits through her insurance company at work and was approved for a few months, but then the insurance company suddenly stopped paying because they said she could return to work.
Angry at the insurer, and worried for her lost income, she called Fields Disability for help. Our team obtained the claim file from the insurance company and found that the insurer overlooked key medical records. Fields attorneys drafted a strong appeal to the insurance company laying out the factual and legal arguments that our client was disabled from work. The insurance company changed its mind and our client received a lump-sum check for back-pay and received ongoing monthly benefits. She is thrilled with the help she received from Fields Disability and is happy to be done fighting with her insurance company.”
1615, ut
“A diesel mechanic at an oil company became disabled after developing fibromyalgia. Initially, Cigna paid benefits to the man and agreed he was completely disabled. After two years, the insurance company decided to deny benefits, stating the man could return to work at a number of sedentary occupations. The man was shocked because Cigna had treated him fairly in the past.
The decided to hire Fields Disability to help him appeal Cigna’s decision. Our attorneys updated our client’s medical records and secured written reports from our client’s treating physicians describing his severe and debilitating symptoms. The appeal was submitted with a substantial legal memorandum arguing Cigna ignored the medical evidence supporting our client’s disability. Cigna reinstated benefits shortly thereafter and sent the man a large back pay check. He was so pleased with the way the appeal was handled that he subsequently hired Fields Disability to monitor and manage his disability claim with Cigna.”
1716, ut
“A 46-year-old mother of five worked hard to take care of her children and pay the bills. As a very friendly and cheerful person, she worked as a Customer Care Representative, a job she very much enjoyed as it allowed her to interact with people.
Unfortunately, one day she began to experience significant fatigue, joint pain, and awful headaches that simply would not go away. Her condition worsened, and she finally saw doctor who diagnosed her as having encephalopathy, chronic fatigue, and seizure focal disorder, which, unfortunately led her to major depression. All this occurring as she was working and raising several kids under the age of 10.
Eventually work became too difficult and she applied for disability benefits which, astonishingly, were denied. She attempted, on her own, to file an appeal of the denial but the insurance company maintained its original position and would not reverse the denial.
Left with no options, she contacted Fields Disability. The attorneys at Fields Disability reached out to medical providers and obtained records and reports documenting the injuries, it’s horrific effects, and the disabling restrictions imposed by the doctors. In reliance on this vast amount of medical support an appeal was filed and, within a very short period, the disability carrier reversed its position granting the disability benefits she so desperately needed.”
1656, ut
“Our client was an Insurance Manager from Utah. He suffered from Dyspnea with exertion, Fibromyalgia, and Mitochondrial disorder. He was taken off work by his doctors as they attempted to clarify his diagnoses and treat his many disabling symptoms. Life Map Insurance initially paid his short-term disability benefits but when the doctors could not find a definitive cause for his symptoms the insurer discontinued benefits.
Fields Disability built a multifaceted plan to win his appeal. Our attorneys secured narrative reports from multiple treating physicians documenting the severity of our client’s symptoms and their impact on his day to day life. We successfully argued that Life Map had ignored relevant evidence already provided and that its hired medical record reviewer selectively cited and misstated the opinions of our client’s treating doctors. After reviewing our appeal Life Map reversed its decision, paid our client’s back benefits, and commenced payment of long-term disability benefits.”
2616, vt
“Our client suffered from unpredictable chronic migraines that require her to go into a dark room three to four times a week. In addition to physically taking her out of an environment in which she can perform any job duties, these migraines also affect her mental capacity and ability. She was approved for long-term disability benefits for 14 years until her insurance provider terminated these benefits. After this termination, the client reached out to the Fields Disability Team to help her with the next steps in the process.
The Fields Disability attorneys quickly drafted an appeal that pointed to the long history of our client’s condition. We pointed out every doctor that had agreed that our client was totally disabled from working in any occupation, along with getting reports from several of them to prove our client could not work under any circumstances. Not only did the Fields attorneys use medical evidence to prove our client’s case, but also letters from real people who had seen the client go into one of her migraine episodes. Ultimately, her insurer had no choice but to approve benefits following this appeal and the hard work put in by the Fields Disability team.”
2405, vt
“Our client worked as a machine operator prior to developing severe pain along his spine and hips. He eventually required a hip replacement surgery and left work indefinitely. He submitted a claim to his Long Term Disability insurance company, Prudential. Prudential approved his claim and paid him for just a few short months until it denied his benefits without warning. Prudential now stated the man was able to return to his job lifting up to 50 pounds and standing most of the day. Our client was shocked because he had not improved much since his major surgery.
He hired Fields Disability to fight Prudential. The Fields attorneys referred our client to a Functional Capacity Evaluation with a local physical therapist. The testing showed unequivocally that our client was unable to perform the heavy lifting his job required. The testing was submitted to the insurance company, along with arguments about the lack of improvement in our client’s condition. After a brief review, Prudential reinstated disability benefits for our client.”
3228, va
“A Consultant from Virginia was diagnosed with a variety of heart conditions after an intense bout of dizzy spells that made work impossible. He applied for Long Term Disability benefits, but after several months, MetLife stopped paying benefits stating that the records did not support an inability to perform his own occupation.
He called Fields Disability for help. Our team obtained the claim file from the insurer and found that they had made several errors when the medical evidence was reviewed. The team gathered updated documentation supporting the claimed level of impairment. Our attorneys drafted a strong appeal to MetLife based on the errors that were identified and the updated medical records. MetLife reversed the decision on appeal, and our client received a lump-sum payment for the back benefit period, and ongoing monthly benefits.”
3224, va
“A Safety Manager from Virginia suffered from degenerative joint disease in his knee, a compression fracture to the thoracic spine requiring fusion surgery, spondylolysis, and arthritis. His conditions progressed until he was unable to work. He applied for benefits under his disability policy and received two years of Long Term Disability benefits. One month before the definition of disability changed, Liberty Mutual determined his medical records did not support total disability under the any occupation definition of disability and closed his claim.
He reached out to Fields Disability, and our attorneys developed a plan to gather the information necessary to win his appeal. Our disability team requested updated narratives from several of his treating physicians. The Fields attorneys detailed how Liberty Mutual had failed to properly credit our client’s favorable Social Security Disability award, and we also asserted that many of the occupations identified by a vocational consultant relied upon by Liberty Mutual to discontinue benefits were actually outside of our client’s limitations and restrictions. On appeal, Liberty Mutual reversed the denial decision. Our client received a check for his missed benefits, and he started receiving monthly benefit payments again.”
3218, va
“A Director of Engineering at a major hospital in Virginia suffered from Lupus, depression and anxiety, and found himself unable to keep up with his extremely complicated job. His treating doctor recommended that he work no more than 40 hours per week, as he would routinely work 60 hour weeks to fulfill all of his duties. He took time off from work and applied for Long Term Disability benefits in order to recuperate. The Hartford denied his claim for benefits stating he could perform his job duties in a 40 hours work week.
Not knowing what he was supposed to do, he hired Fields Disability. Our attorneys hired a vocational consultant to argue the man could not perform his duties in a 40 hour work week. After reviewing updated medical records and the report from the vocational consultant, The Hartford paid our client his benefits. He was so impressed with the result of the appeal that he hired Fields Disability to represent him on an ongoing basis.”
2726, va
“A Software Engineer began to experience worsening migraines. He had dealt with migraines before, but these were bad enough to make work impossible. He could no longer drive and had intense bouts of vertigo. His condition forced him to stop working. Subsequent tests revealed several herniated discs in his back. His doctors were in regular contact with each other to coordinate his treatment, and he submitted an application to New York Life for long term disability benefits, based on his medical records. New York Life denied the claim despite the medical evidence.
Frustrated and worried about supporting his family without income, the engineer contacted Fields Disability to assist with an appeal to New York Life. Our attorneys collected records from five physicians who had treated our client and created a timeline of treatment that New York Life could not ignore. We obtained new vocational reports showing that our client could not go back to work due to his symptoms. With the new reports, our attorneys made a strong case to New York Life that their initial decision was wrong. Our client won his appeal and was awarded back-pay and ongoing benefits. He was relieved to have the process with New York Life complete and was happy with the result.”
2722, va
“An Administrative Assistant in Virginia was diagnosed with colorectal cancer. After chemotherapy and several surgeries, she went into remission but, as a result of surgery, suffered from incontinence. The embarrassment of the incontinence led to panic attacks, severe anxiety, and depression. She was forced to stop working and was approved for long term disability benefits through New York Life. Suddenly, New York Life stopped paying out benefits.
Frustrated and scared that her insurance company could stop paying out her benefits, she called Fields Disability. Our attorneys reviewed over 2300 pages of documents from the insurance company, and found that New York Life had based their decision on a couple of social media posts by our client. She took some pictures with family members at social events and this was used against her. Our attorneys compiled summaries of our client’s symptoms from her doctors and sent them to New York Life for an appeal. The medical evidence outweighed the frivolous social media investigation and continuing benefits were awarded for our client. Our client was overjoyed to have her benefits reinstated, and was happy with the professional work that Fields Disability did for her.”
2618, va
“A Pentagon Contractor was rear-ended in a car accident and hit his head. He tried to return to work but was told by co-workers and clients that his cognition seemed diminished. He visited a doctor who confirmed that he was experiencing ongoing symptoms of a concussion. His employer-provided insurer paid him long term disability benefits for about three years while he received treatment for his serious cognitive issues. Suddenly though, the insurer stopped paying benefits because he no longer fit their definition of disabled.
Worried about his lost income, he called Fields Disability for help. Our team immediately gathered all our client’s medical records, and Fields attorneys ordered an expert report from a vocational consultant which supported that our client could not return to work. Our attorneys wrote a strong appeal to the insurer that combed the medical evidence with applicable law. Our team stayed in close contact with the insurer, giving our client updates while they reviewed the appeal. Eventually, the insurer overturned their decision, and our client received a lump-sum payment for back pay and ongoing monthly benefits. He is pleased with Fields Law’s ardent advocacy on his behalf and is thrilled to be through fighting his insurance company.”
2565, va
“Our client applied for and received short-term disability benefits from an insurance company provided by his employer. However, when our client was supposed to transition to long-term benefits, the insurance company denied his benefits. The insurer claimed that our client was capable of performing the essential duties of his own occupation and based its determination on the opinion of a doctor that had never met our client.
Our client was very upset that the insurance company had ignored the opinions of his own doctors and cut-off his only source of income. He retained Fields Disability and our attorneys moved quickly. We reached out to our client’s doctors, collected updated medical records, and drafted a winning appeal. The insurance company could not ignore the evidence submitted by the team at Fields and approved our client’s long-term disability benefits, sending him a large backpay check.”
2475, va
“An operations specialist from Virginia was diagnosed with severe depression. He was unable to concentrate at work, and was forced to stop working due to his symptoms. He received long-term disability benefits for eleven months, and then his insurer sent him a letter saying that he was no longer disabled and that he should return to work.
Confused about the sudden change despite no change in symptoms, he contacted Fields Disability for help. Our attorneys contacted our client’s doctors for updates on treatment and symptoms and submitted an appeal. The insurance company denied our client’s appeal, but Fields Disability attorneys filed a lawsuit in federal court. During preparations for trial, Fields attorneys were able to negotiate a generous lump-sum settlement for our client. He was relieved that the fight against the insurance company was over and he was able to continue treatment with the help of the settlement check.”
2466, va
“A 51-year-old female, who worked as a communications coordinator, slipped and fell on some ice as she was walking through the parking lot after work. The ligaments and meniscus in her knee were torn and she sustained a fracture to her hip. Walking was out of the question. With help from coworkers, she made it home; but her injury was so severe that she ended up needing surgery, taking her out of work for several months. After surgery, she underwent physical therapy, but without success and eventually her doctor determined that her injury was permanent due to an inability to sit or perform any sedentary job for the foreseeable future.
She applied for short-term disability which was surprisingly denied but, perhaps more shocking, was that her denial letter reached her mailbox while she still was in the hospital convalescing from surgery. After a week in the hospital, she returned home to find the denial letter in her mailbox and was distraught and terrified, uncertain how she would meet the needs of herself and her family when she couldn’t even sit for more than 5 minutes at a time.
On her own, she attempted to persuade the long-term disability carrier to change its position, but it would not. Out of options, she hired Fields Disability to pursue her claim. Fields Disability immediately reached out to her doctor, obtained his medical records and an expert report supporting her disability, and filed suit. After some hard negotiations with the disability carrier, Fields Disability secured a settlement which included more than enough money for our client to meet her needs while she recovered from her injuries.”
2414, va
“A Virginia woman had worked as a Critical and Intensive Care Nurse for 20 years before suffering from an inoperable stroke. She further developed complications with memory impairment, loss of peripheral vision, and chronic disorientation. Suddenly unable to continue working, the woman applied for long-term disability benefits from her insurer, The Standard. However, the insurance company denied her benefits on application. In their denial letter, The Standard claimed the woman had been prescribed medications to treat diabetes, hypertension, and hyperlipidemia, which, The Standard asserted, were risk factors for cardiovascular events, including strokes. On this basis, the insurer claimed the woman had a pre-existing condition, and denied her benefits.
Not knowing what to do next, but knowing she needed help appealing the insurer’s decision, the woman sought out attorneys practicing in disability law. She came straight to Fields Disability. Our team of attorneys immediately jumped onto her case, demanding evidence from the insurance company, ordering updated medical records, and coordinating with her providers to acquire expert reports. Our attorneys drafted a strong appeal challenging the insurance company on both the pre-existing denial, and their peer review reports. Faced with Fields Disability’s well-reasoned arguments, The Standard returned a decision within a month, overturning her prior denial and reinstating benefits. The woman soon had a check for back benefits in hand, and was secure knowing the experts at Fields Disability had helped get the benefits she deserved.”
2402, va
“Our client was a 47-year old woman who worked as a Service Account Manager before going out of work due to Failed Back Syndrome, Degenerative Disc Disease, Enthesopathy, Irritable Bowel Syndrome, Lumbar Radiculitis, Migraines, PTSD, Major Depression, Major Anxiety, and Morbid Obesity. The employer provided a long-term disability policy, which our client had elected to receive coverage under. When she became eligible for long-term disability benefits from the policy’s carrier, our client applied for coverage and benefits. She was initially approved for benefits and received monthly benefits for a little over two years.
However, The Standard terminated our client’s long-term disability benefits, indicating no benefits were payable because the insurer concluded our client did not meet the definition of “Disabled”. The Standard felt our client could work any sedentary occupation based on her education and previous employment. The Standard based the decision to terminate benefits based on a “Physician Consultant’s” review of the medical records on file, which did not include even half of our client’s records.
Upset with the arbitrary decision from The Standard to terminate benefits, she contacted Fields Disability Law Firm to submit an appeal. The attorneys at Fields Disability were able to pull together all of our client’s medical records, generate physician reports, obtain a vocational report, and submit a comprehensive appeal for our client. In less than 30 days, The Standard issued a new decision and overturned its prior denial of long-term disability benefits due to the appeal the attorneys had submitted. The Standard reinstated benefits and issued a backpay check for the months that it failed to pay our client.”
2401, va
“A crane operator from Virginia began experiencing numbness in his hands and feet. His job required climbing 140-250 foot ladders to do crane maintenance. Eventually his condition became too severe and he was forced to stop work. Cigna initially approved his claim for long term disability benefits. He received benefits for about two years until suddenly Cigna said he no longer fit their definition of “disabled.”
Worried about his lost income, the crane operator contacted Fields Disability for assistance with an appeal. The attorneys at Fields Disability contacted all three of his treating physicians to obtain detailed reports of our client’s condition. They reviewed the claim file from Cigna and found that the insurer did not consider all of our client’s symptoms. Our attorneys sent a strong appeal to Cigna that was ultimately approved. Our client received a lump-sum payment for back-pay and was awarded continuing long-term disability benefits. He was overjoyed with the decision, and relieved that he no longer had to fight the insurance company.”
1717, va
“A nurse who was experiencing fatigue, balance issues, and cognitive decline was diagnosed with multiple sclerosis. She could no longer perform her normal work duties so she applied for long-term disability benefits through her employer’s insurance company. The insurance company approved her benefits, but after paying for two years, the benefits suddenly stopped.
Worried about her lost income and declining health, she contacted Fields Disability for help. The attorneys at Fields Disability obtained medical records from all of our client’s doctors and obtained the claim file from the insurance company. In the two weeks before the denial was sent, our client had twenty injections due to worsening symptoms. With strong evidence compiled, our attorneys sent an appeal to the insurer.
The insurance company changed their minds and granted benefits. Our client received a lump-sum check for back pay and is receiving monthly benefits again. She is relieved to be through fighting the insurance company, and is pleased with the professional advocacy Fields Disability provided.”
1783, va
“Our client was an Electrical Technician from Virginia who suffered from Glioblastoma. He developed symptoms overtime and after it was diagnosed he was removed from work by his treating doctors. Our client then applied for long-term disability benefits through his employer’s plan with Voya administered by ReliaStar. Regrettably, the insurer denied our client’s claim for benefits asserting that treatment our client received prior to applying for benefits barred his claim as pre-existing.
Our client reached out to Fields Disability for help fighting this denial. Our attorneys examined all of our client’s medical records and all of the documentation utilized by the insurer in denying benefits. Next, our team drafted an appeal outlining that the pre-existing condition limitation did not apply to this case based upon the objective evidence contained within the file and the opinions of the treating doctors.
Unfortunately, prior to submitting this claim, our client passed away from his debilitating Glioblastoma. Our attorneys submitted the appeal and argued that claimant’s family was entitled to the Survivor Benefit available under the relevant Policy in addition to our client’s back pay for wrongly denying this claim. After receiving and reviewing our appeal, the insurer paid our client’s family his back pay and the Survivor Benefit.”
1616, va
“An Administrative Manager was forced to leave work when she suffered a traumatic brain injury with post-concussion syndrome. Her symptoms resulted in ophthalmological issues, migraines, depression, and anxiety. She applied to Cigna for long-term disability benefits, which were denied from the outset.
The woman hired Fields Disability to file an appeal with the insurance company. Cigna failed to handle the appeal fairly and denied the woman’s benefits relying on a doctor report that stated the woman could perform her job as an administrative manager if she limited her computer use to 30 minutes at a time with 15-30 minute breaks. Our attorneys hired a vocational consultant to state there was no chance the woman could perform her job if she was limited to such short periods of computer use. On the second appeal, Cigna acknowledged the tremendous error and approved the woman’s benefits. She was grateful to her attorneys for continuing to fight on her behalf, even after the first appeal denial.”
1635, va
“Our client worked chief executive officer of a business in Virginia. She suffered from Sjogren’s Syndrome, Leucopenia and Chronic Fatigue Syndrome. After her doctors removed her from work she applied for Long Term Disability benefits through her employer’s plan. Unfortunately, the insurance company denied her claim for benefits. Our client appealed this decision on her own but was unable to reverse the insurer’s decision.
Having exhausted her appeals, she reached out to Fields Disability for help filing a lawsuit. Our team filed a lawsuit on our client’s behalf and entered into settlement negotiations with the insurer’s attorney. Our attorneys were able to negotiate a settlement permitting our client to move on from this matter, without having to go to court over her claim.”
1585, va
“A 51-year-old Project Manager developed severe fatigue and extreme weight loss. Unfortunately, doctors were not able to pinpoint the cause of his problems, which left the man very frustrated. His frustration intensified when his conditions rendered him unable to perform his job duties. He applied for long-term disability benefits, but the insurer denied his claim. The insurance company led the man to believe that he could appeal their decision to deny his benefits on his own, so he did. However, the insurance company denied his appeal and his only remaining option was to proceed with a lawsuit against the insurance company.
At that stage, he turned to Fields Disability for help. Unfortunately, we had to explain to him that the case would be much harder for us to pursue because he had completed his appeal on his own. We proceeded with the uphill battle. Luckily, after filing the lawsuit, we were able to reach a settlement with the insurance carrier.”
2617, wa
“A 48-year old individual worked as a Conductor until she was no longer able to work due to conditions relating to her knees and back. The employer provided a long-term disability policy and she applied for coverage and benefits. Lincoln Financial Group initially approved the disability benefits, but later terminated long-term disability benefits, indicating no benefits were payable because our client did not meet the Policy’s definition of Totally Disabled. She appealed this decision without the assistance of legal counsel, and Lincoln Financial Group upheld its prior decision to terminate and deny continued long-term disability benefits.
Frustrated by the insurer’s response, Fields Disability attorneys were retained to file her second appeal, and the attorneys started by getting all the most favorable records and documents our client had and submitted a comprehensive appeal. After only a couple of weeks, Lincoln Financial Group reversed their decision to deny benefits, and retroactively paid our client back all the previously unpaid monthly benefits as a lump sum.”
2576, wa
“Our client came to the Fields Disability Team after being denied long-term disability benefits due to serious mental health issues. The client’s occupation as a Maintenance Manager required that he have good communication and organizational skills, which were impossible in his current state of mind. He suffered from persistent agitation, anxiousness, and decreased concentration, which required bi-weekly therapy visits and (unsuccessful) medications to manage.
After being removed from work and applying for long-term disability benefits, our client’s insurance company asserted that, based on the medical review there was no basis to support psychiatric impairments that functionally impaired the client from his occupation. Scared and worried about his current situation, he reached out to Fields Disability for help through this confusing process.
Our Team assured the client that we would do everything we could to get him the benefits he deserved. Our attorneys gathered the medical evidence and submitted an appeal that picked apart the reasoning behind the insurance company’s denial. Our attorneys noted several instances in the medical records that demonstrated our client was indeed disabled from his own occupation. Following the appeal, the insurance company approved benefits for part of our client’s disability period. The Fields team, however, continues to fight for our client to get him everything he deserves.”
2546, wa
“A billing customer service representative for a medical laboratory in the state of Washington thoroughly enjoyed her work, but was forced to resign due the progression of her Multiple Sclerosis, spastic paraparesis, ataxic gait, lumbar radiculopathy, and cervical degenerative disc disease. She was initially granted short-term disability benefits. She later applied for long-term disability benefits from MetLife, who approved her application and began sending her payments. However, just a short time later, she received a denial letter from the insurer claiming that she was capable of performing gainful occupations for which she was reasonably qualified.
The woman wanted to appeal MetLife’s decision, but didn’t want to do it alone. She made the right decision when she retained Fields Disability. Our team began putting together a water tight case for our client. We reached out to the medical providers and agencies she had been working with up to that point. We put together an administrative appeal arguing that MetLife had breached federal law by selectively and improperly neglecting certain facts and opinions in her medical record. Further, that a full and complete review of the medical evidence, in addition to the opinions of multiple medical providers, supported our client’s classification as disabled.
After considering our appeal, MetLife soon responded with a letter granting our client the long-term disability benefits she greatly needed. Our client started receiving benefits checks soon afterwards, including back pay for the period that MetLife had incorrectly denied her benefits.”
2484, wa
“A 61-year-old woman who formerly worked as an Account Executive for a large broadcasting company where her job duties included selling commercial airtime to businesses. She ceased work due to a severe and debilitating case of Crohn’s disease, which required her, on several occasions, to be taken by ambulance and Life Flighted to the hospital. In fact, her condition resulted in removal of 4 feet of her small intestine and multiple ruptures in what remained of her intestine. Given her condition and its debilitating symptoms, she could not continue in the fast-paced environment of an Account Executive and had to leave her job.
She applied for disability, but the disability carrier denied her claim alleging Crohn’s could not cause the kind of disability she claimed. Her doctors were upset and provided reports stating she was entirely disabled, but the disability carrier would not budge. She hired Fields Disability to help her with her claim. Fields attorneys filed a lawsuit and, after a few brief months of litigation, settled the case on very favorable terms.”
2480, wa
“Our client was a cosmetics sales associate for a nationwide department store chain. She developed a number of musculoskeletal complaints that made it difficult for her to work in any capacity. Her long-term disability carrier approved benefits for the own occupation period. However, when the definition of disability changed, the insurance company denied benefits, stating the woman could work at a number of desk jobs, despite the fact the woman had been in cosmetic sales for over 20 years.
The woman hired Fields Disability to contest the denial in court. After reviewing the file from the insurance company, her attorney planned a strategy to fight the decision in court. After the suit was filed, the attorney went to work negotiating a settlement based on several critical errors in the insurer’s review of the claim. The insurer agreed to pay a substantial settlement to our client.”
2476, wa
“Our client was an engineer from Washington who suffered from Multiple Myeloma. He was suddenly hospitalized due to side effects from his cancer and was unable to perform any work duties. Unfortunately, his long-term disability claim with his insurance company was denied because the insurer asserted his insurance did not become effective as scheduled when our client left work early.
Fields Disability filed a lawsuit on our client’s behalf arguing the insurance company abused its discretion in denying benefits and failed to properly interpret the terms and definitions of the plan. After filing this lawsuit our team was able to negotiate a settlement on client’s behalf, without the need for our client to go to court.”
2428, wa
“Our client was a 48 year old hotel manager who became disabled after developing a rare neuromuscular disorder and an associated form of cancer. Her capacity for performing her fast-paced, highly skilled job were severely impaired. She applied for disability benefits through The Hartford, and received benefits for about two years. However, The Hartford decided the woman’s conditions were not severe enough to rule out working at a sitting or sedentary-type job. The woman was shocked because she often had trouble even keeping her balance while sitting for short periods of time.
The woman hired Fields Disability to file an appeal on her behalf. We collected medical records and narrative reports to show a complete and holistic view of the claimant’s conditions, restrictions, and limitations. The Fields attorneys referred the woman to a functional capacity evaluation to show that she was unable to perform any type of work. The medical documentation was submitted with a legal memorandum arguing our client’s case under federal case law and regulations. After a brief review, The Hartford reversed its decision to deny benefits and started paying our client’s claim.”
1652, wa
“Our client had worked as a Senior Account Manager before becoming disabled due to his heart conditions. Liberty Mutual denied his claim for short-term and long-term disability benefits by sending him letters in the mail. Liberty Mutual claimed that he did not meet their Definition of Disability. Specifically, Liberty Mutual claimed he was capable of working as a Senior Account Manager because they believed there was a lack of objective evidence of impairments that would translate to restrictions or limitations for Liberty Mutual to consider him Disabled.
This client turned to Fields Disability to help him fight Liberty Mutual, and appeal Liberty Mutual’s decisions to deny short and long-term disability benefits. The attorneys at Fields Disability complied all of his medical records, received doctor reports, and submitted a comprehensive appeal. Liberty Mutual decided to overturn their previous decision and retroactively paid this client all the benefits he should have received for his short and long-term disability benefits. He was excited to get almost a year of benefits back as a lump-sum.”
1617, wa
“A Warehouse Manager was forced to leave work when he developed a left femoral nerve injury. His symptoms resulted in extreme pain with standing, walking, and even sitting. He applied to Cigna for long-term disability benefits, which were paid for twenty-four months. When the Definition of Disabled in his policy changed, Cigna denied the man’s benefits, stating he could perform work at the sedentary level utilizing his managerial experience.
The man quickly hired Fields Disability to appeal Cigna’s wrongful decision. Our attorneys reviewed all of the records Cigna accumulated during our client’s claim. We found that Cigna’s review heavily relied on the opinion of an internal doctor that did not even examine our client. Our attorneys referred our client to a functional capacity evaluation to objectively measure his ability to work. The Evaluation showed that our client simply could not perform any work on a full-time basis and Cigna quickly reversed its decision and paid the disability benefits.”
1696, wa
“A Marketing Project Analyst from Washington was in a serious car accident which caused severe low back pain and leg numbness. Her condition exacerbated depression symptoms as well. She couldn’t stay seated for more than a few minutes without sharp pain, so she was forced to stop work. She applied for long-term disability benefits to replace part of her income, but the insurance company denied her application because they said she could still work.
She was concerned about her lost income, so she called Fields Disability for help. Our team contacted all our client’s doctors for updated medical records and for reports that specifically spoke to our client’s ability to work. Our attorneys kept our client updated at all steps and drafted a strong appeal to the insurance company based on the updated medical records. The insurance company did not reverse it’s decision and our attorneys filed a lawsuit in federal court. While prepping for a hearing, our attorneys agreed with the insurance company to mediate the claim, and ultimately Fields Disability attorneys negotiated a generous lump-sum settlement. Our client was happy to be done fighting her insurance company, and was pleased with the diligent advocacy from Fields Disability.”
1665, wa
“A man from Washington had worked as a development technician for a number of years. After suffering a work injury, he was no longer able to work due to chronic hip and back pain as well as diabetic complications. After he was paid disability benefits for two years, his long-term disability insurer denied ongoing benefits, stating he could return to work full-time.
The man hired Fields Disability to file a lawsuit against the insurance company. Our attorneys thoroughly reviewed the file and found a number of mistakes in the administration of the claim. After the lawsuit was filed, our attorneys reached out to the insurance company’s representative to negotiate a settlement. Just a few months after the lawsuit was initiated, our client received a very favorable settlement in the form of a lump-sum payment. He was thrilled to have his financial security restored.”
1764, wa
“A corrections officer from Washington began having back pain following an injury at work. She moved to a light-duty position so she could continue working during recovery. Unfortunately, a few weeks later she was in a car accident that caused compression in her lower spine and greatly exacerbated her symptoms. She was forced to stop working, and was approved for long-term disability benefits from her employer. After receiving benefits for two years, the insurance company said she no longer fit their definition of disabled.
She called Fields Disability for help. Our team obtained all our client’s medical records. Fields Attorneys drafted a strong appeal to the insurance company, highlighting medical evidence that had been overlooked. The insurance company didn’t change their mind, but Fields Attorneys were undeterred and filed a federal lawsuit to fight for our client. As litigation moved forward, our attorneys negotiated a generous settlement. Our client was pleased with the settlement check, and relieved to be through fighting the insurance company.”
2483, wv
“A Radio Station Scheduler from East Bank, West Virginia began having severe hip pain after she had a right hip replacement a few months prior. She attempted to continue work, but ultimately the pain became too much and she had to stop working. Her insurance company through work approved long-term disability benefits for a few months, but then the insurer stopped paying because they said she could return to work.
Worried about her lost income and still suffering from serious pain, she called Fields Disability for help. Our team gathered all our client’s medical records and reached out to doctors for additional expert opinions. When the evidence was strong, our attorneys submitted an appeal to the insurance company pointing out each of the legal and factual errors in their decision. Unfortunately the insurer didn’t budge, and our attorneys filed a lawsuit in federal court to fight for our client’s benefits. During preparation for a hearing, Fields attorneys negotiated a generous lump-sum settlement that our client accepted. Our client was pleased with the diligent advocacy from Fields Disability and happy to be done fighting her insurance company.”
2463, wv
“A woman from West Virginia had worked as a Program Coordinator for a crime center. Unfortunately, she developed a progressive and complex case of Small Cell Fiber Peripheral Neuropathy in all four of her extremities. Eventually she was forced to leave work due to her symptoms which included perpetual Brain Fog, Double Vision, Insomnia, Severe Mobility Issues and Chronic Pain. She applied for long-term disability benefits and was approved. She remained on benefits for five months until the insurer cut them off with a denial letter.
The insurer based their decision on a letter they had sent to one of her physicians, asking if she could return to work. He had said she could. The woman signed up with Fields Disability to pursue her case against the insurance company. Our attorneys quickly determined that the doctor in question was not her primary treating doctor, but a specialist who didn’t have an accurate picture of the full spectrum of her conditions. Furthermore, our lawyers discovered that the insurer then had sent a wholly different letter to her primary physician attempting to get him to agree with the first doctor’s opinion.
Our attorneys quickly wrote to her doctors to straighten things out and confirm their opinions that our client was unable to work. Our team also gathered all of the recent medical records to support the appeal our attorneys were drafting. Fields Disability soon submitted a lengthy appeal to the insurer, supported by numerous exhibits. The insurer considered the appeal and soon overturned their prior denial decision. They then paid out back benefits and reinstated future benefits going forward.”
2410, wv
“A Nurse Practitioner from Man, West Virginia suffered from a whole host of conditions: She had a history of Lyme’s disease which caused recurring migraines and memory problems. She also suffered from degenerative disc disease, numbness in her limbs, and Bell’s Palsy. She took 24 medications to attempt to fight her symptoms, but the side-effects and her symptoms made work impossible. She received long-term disability benefits for four years with no issues. Then the insurance company suddenly stopped paying because they said she could return to work.
The woman was appalled. Her medication list took up more than an entire page and she was in no condition to return to work of any kind. She called Fields Disability for help. Our team obtained the full claim file from the insurance company and our attorneys scoured the record for places where the insurance company made legal or factual errors. Our attorneys drafted a strong appeal to the insurer based on updated medical records, expert testimony, and strong legal research. Somehow, the insurer denied the first appeal. Our attorneys obtained even more evidence for a second appeal. The insurance company finally relented and granted our client benefits. She received a lump-sum for back-pay and ongoing monthly benefits. She was overjoyed to have the strong advocacy of Fields Disability on her side. She has since hired our firm to monitor her ongoing claim so we can jump into action if the insurance company makes another error.”
1655, wv
“A man from West Virginia had worked as a welder for his entire adult life. As a result, he had developed permanent vision damage. He also developed a rare condition that caused him widespread and chronic pain called Chronic Inflammatory Demyelinating Polyneuropathy (CHIPS). Wracked by pain and essentially blind, he knew that his days of welding were over. He applied for long-term disability benefits from his policy’s carrier, but was denied. He tried appealing the decision on his own, but the insurer upheld their prior decision.
The man wanted to sue the insurance company, but would not do it without some expert help. He hired Fields Disability and our team of attorneys filed a lawsuit in federal court within a month, and the insurer was forced to respond. Our attorneys provided arguments at the insurer, who immediately moved to begin settlement discussions and the Fields Disability team secured a favorable settlement for our client.”
1685, wv
“A manager of a Kroger’s grocery store in West Virginia suffered from a number of different conditions. After attempting to continue working despite his condition, he soon realized he simply couldn’t work. After applying for short-term disability benefits, MetLife denied his claim for benefits. Their denial claimed that the medical information available did not provide clinical findings that would preclude him from working.
Not sure what he should do, he reached out to Fields Disability. After completing his review of the client’s file from the insurance company, his attorney developed a plan to fight the denial. He updated medical records and obtained a report from the client’s treating doctor and drafted a winning appeal. The insurance company reversed their decision and reinstated the client’s benefits and paid all the past-due benefits. The client was extremely relieved and grateful to have his sole source of income back.”
1633, wv
“In 2005, an accountant from West Virginia seriously injured her shoulder in an accident at home. She had multiple surgeries, but ultimately regained only limited use of her right arm. She stopped working because she was in constant pain and had limited use of her dominant hand. Guardian Insurance approved her application for long-term disability benefits, and she received benefits from Guardian for almost ten years until she received a letter saying that she was no longer disabled and that Guardian would stop paying her benefits.
Shocked that Guardian would stop benefits after almost ten years, she contacted Fields Disability to assist with an appeal. Our attorneys diligently searched through our client’s medical records and found the insurance company ignored several comments from doctors. Fields Disability attorneys called our client’s doctors to write full reports so Guardian could not ignore them in the appeal. Ultimately, our client was awarded continuing long-term benefits and a lump-sum payment for back pay. She was pleased with the professional staff at Fields Disability and relieved to have financial peace of mind once again.”
1720, wv
“A Line Worker for a telecommunications company in West Virginia was diagnosed with a host of medical conditions, including tachycardia, hypertension, and neuropathy which resulted in an inability to perform work in any competitive setting. Although the insurance company properly paid benefits for nearly 24 months, it denied benefits and claimed the man could perform the extremely heavy duties of his job as a line-worker despite his cardiovascular conditions and neuropathy. The insurer also gave no weight to the fact that the Social Security Administration found claimant completely and totally disabled.
The man hired Fields Disability to file his case in federal court. Our attorneys argued that even if the man wasn’t totally disabled, the most insignificant physical limitation from his conditions would rule out his ability to work as a line worker. After several months of negotiations where we were able to increase the insurer’s top offer a number of times, we successfully negotiated a settlement with the insurance company that allowed the man to supplement his Social Security Disability income and care for his two young children.”
2559, wi
“An Energy Site Supervisor from Green Bay, Wisconsin suffered from severe radiating back pain and neuropathy in his extremities. His conditions made work impossible. He applied for long-term disability through his employer’s insurance plan and received benefits for about two years. At that time, the insurance company stopped paying because they said he could return to work at a different job.
Worried for his lost income and unable to suddenly change careers, he contacted Fields Disability for help. Our team obtained the claim file from the insurance company and found that the insurer overlooked key medical records. Fields attorneys obtained updated expert opinions from our client’s doctors as well as vocational experts and drafted a strong appeal to the insurance company. The insurance company changed their mind based on the strength of our arguments and our client received a lump-sum payment for back pay as well as ongoing monthly benefits. He is happy to be through fighting his insurance company, and pleased that he hired Fields Disability for help.”
2542, wi
“A sales and customer support professional from Wisconsin underwent surgery for severe carpal tunnel syndrome. She suffered from arthritis and osteoporosis for years and hoped that surgery would help relieve symptoms in her arms. Unfortunately, surgery did not fix her symptoms and her intense pain forced her to miss work. She was initially approved for long term disability coverage, but after receiving benefits for several months she was denied. She submitted an appeal, but the insurer did not change its mind.
Worried about her income, and running out of options, she contacted Fields Disability for help. Our team obtained all the records from the insurer and Fields Attorneys determined she had a good case for a lawsuit. We filed a lawsuit in federal court to fight for our client’s rights. During preparation for a hearing, Fields Attorneys negotiated a generous lump sum settlement. Our client was happy to be done fighting the insurance company and continue treatment with her settlement money.”
2539, wi
“Our client was the victim of a terrible crime when her ex-husband attempted to run her over with the family car. Thankfully, she survived but she had her right leg amputated below the knee and suffered from severe PTSD as a result. She applied for long-term disability benefits and the claim was initially accepted. She received benefits for nearly two years, at which point the insurer denied the claim. In their denial, they asserted that they believed she would be able to perform sedentary occupations once the definition of disability changed in her policy.
She reached out to Fields Disability to help her fight the insurance company. Her attorney put together a strong appeal in which he provided updated medical information which included a neuropsychological evaluation which concluded our client suffered from significant PTSD. On appeal, the insurer again denied the claim, ignoring the relevant medical information. Her attorney filed a lawsuit in federal court once the denial was issued. With summary judgment looming, the parties were able to reach a settlement which put a significant amount of money into our client’s pocket. This settlement also eliminated any of the risk of going forward and letting a judge decide her fate. This result was a welcome relief for the client and allowed her security moving forward so that she could work on getting better and one day potentially returning to work.”
2531, wi
“Our client applied for long-term disability benefits with an insurance company provided by an employer. Our client’s long-term disability benefits were originally approved by the insurance company. The insurance company notified our client by an impersonal letter that it was terminating long-term disability benefits because our client’s chronic pain and avascular necrosis conditions did not have clinical findings that would support restrictions and limitations and did not believe our client was disabled according to the long-term disability policy’s definition of disabled.
After receiving the termination letter, our client reached out to the attorney’s at Fields Disability for assistance in appealing the insurance company’s decision. Once retained, the attorneys at Fields Disability collected all of our client’s medical records, obtained functional capacity evaluations from our client’s treating doctors, and also got our client’s doctors to draft reports verifying our client’s disability claim. The insurance company, in response to the appeal, issued a decision to uphold their prior determination to deny our client’s long-term disability benefits.
Unsatisfied with this outcome, and with the insurance company’s rational in their decision, the attorneys at Fields Disability filed a lawsuit in federal court to fight for our client’s long-term disability benefits. Only a couple of weeks went by after the attorneys at Fields Disability filed the lawsuit when the attorney representing the insurance company asked about settling the case immediately. After some convincing negotiations on the part of the attorneys at Fields Disability, the case resolved, and our client received a nice settlement check.”
2492, wi
“Our client worked as a Machine Slitter operating heavy machinery in Wisconsin for over twenty years. Over the years, he developed degenerative disc disease throughout his lumbar spine, chronic lumbar back pain, and anterolisthesis. He tried to work through his growing pain but finally his doctors took him off work and he applied for short-term disability benefits through Liberty Mutual. At first, Liberty Mutual paid his short-term benefits but as the switch to long-term benefits approached, Liberty Mutual denied the short-term disability claim and preemptively denied his long-term disability claim.
Our client quickly reached out to Fields Disability for help. Our team reviewed all the documentation used to deny our client’s benefits and quickly found that Liberty Mutual had adopted a medical record review by a physician who had never examined client. This review failed to consider our client’s job duties, and the opinions of his doctors before finding him not disabled. Our attorneys built an appeal with letters from the treating doctors responding to the medical record review, and federal guidelines detailing our client’s job duties. Moreover, we successfully argued that the medical record review improperly ignored relevant evidence already provided to Liberty Mutual. After reviewing our appeal Liberty Mutual reversed its decision, paid our client’s remaining short-term disability benefit, paid the back pay owed on long-term disability, and commenced monthly long-term disability benefit payments.”
2485, wi
“Our client was a Personal Banker and became disabled after he developed severe fibromyalgia and depression. He was unable to work on a consistent basis due to flare-ups. His doctor recommended that he leave work indefinitely. He submitted a claim to his long-term disability insurer. The insurer paid his claim for the entire Own Occupation period of the policy, but when the definition changed to Any Occupation, the insurer denied continuing benefits. The insurance company said the man was able to return to work at a number of jobs. Unsure what to do, he found Fields Disability in an internet search. We advised our new client of his rights and determined we would sue the insurance company in federal court. Using doctor support contained in the file, we were able to negotiate a substantial settlement for our client.”
1618, wi
“A Mechanical Designer from Wisconsin was exposed to some toxic fumes at work. Over the next several weeks he began experiencing severe bouts of dizziness and loss of balance. His doctors said there may have been cyanide in the fumes. The symptoms forced him to stop working. He applied for long-term disability benefits with Cigna and provided medical records from his treating physicians. Much to his dismay, Cigna denied the claim, saying that he did not fit their definition of disabled.
Upset at his loss of income, he contacted Fields Disability for help. Fields attorneys started by gathering additional medical records from our client’s doctors, and obtaining the claim file from Cigna. Fields Disability attorneys sent a strong appeal to Cigna, arguing that they made a mistake in denying benefits for our client. Cigna acknowledged their error and granted a lump-sum payment for back-pay. Our client is now back to work and pleased that he can pay for his medical expenses.”
1619, wi
“Our client was an Operations Supervisor from Wisconsin. He was diagnosed with multi-level degenerative disc space narrowing of his lumbar spine, Lyme’s disease, and Type II diabetes. Due to his conditions, he was unable to continue performing his job and taken off of work by his doctors. He was initially awarded short-term disability benefits by his insurer Cigna. However, after paying short-term benefits for only two months he received a letter in the mail from Cigna claiming his medical conditions were not severe enough to prevent him from performing his work duties.
Out of work on doctors’ orders and now being told he would not receive any further disability payments, he immediately reached out to Fields Disability to assist challenging this decision. Our attorneys worked with his doctors to secure narrative reports and medical records supporting his inability to work. Our team also assisted him in navigating the procedural maze of applying for Social Security Disability benefits.
Next, after reviewing all of the Cigna’s documentation, our attorneys identified several times where critical medical and vocational evidence was ignored, misstated, or selectively cited. We drafted our appeal challenging the denial of short-term disability benefits and successfully convinced Cigna to reverse its denial. Our client then received a favorable disability ruling from the Social Security Administration and our team is now pursuing his long-term disability benefits. Our client was extremely relieved receiving not only his significant back pay owed to him but also in knowing that he would now enjoy on-going monthly benefits.”
1662, wi
“A Payroll Supervisor became disabled after developing severe nerve pain all throughout her body. It affected her ability to concentrate and perform her duties throughout the day. After initially paying some disability benefits, Lincoln sent the woman a denial letter, stating she could perform desk work and other sedentary duties. Lincoln argued that the woman did not have any severe neurological symptoms that would preclude such duties. The woman was shocked, because her condition had actually been worsening over the past several months.
Fields Disability filed an appeal on tour client’s behalf. We closely examined the information that Lincoln had when it denied benefits and secured detailed reports from two of our client’s treating providers challenging that information. Lincoln reviewed the information in the appeal and determined the woman was eligible for benefits.”
1666, wi
“Our client became totally disabled from his work due to his inflammatory rheumatoid arthritis, restless leg syndrome, low back pain, and cervical radiculopathy. He worked for many years as a Director of Employee Services for his employer. This job required him to travel to worksites in his region weekly for inspections. His physical limitations due to his conditions, especially with respect to standing, made it impossible for him to continue this work.
However, his insurance company denied the worker’s claim for long-term disability benefits, alleging that the worker’s occupation was sedentary in nature. The insurance company also claimed that a statement from the claimant’s physician did not contain physical restrictions severe enough to preclude him from performing the duties of his job.
The disabled employee made the decision to hire Fields Disability to help him fight the insurance company’s wrongful denial of benefits. The Fields Disability team showed that the insurance company failed to properly evaluate our client’s claim, and that by doing so, the insurance company breached its fiduciary duty to our client.
First, they had wholly misstated the physician’s statement, ignoring important limitations and restrictions imposed on our client by his doctor. In addition, they misclassified the disabled worker’s occupation as a sedentary position, when in fact, the position was not sedentary in nature at all. Our attorneys provided evidence that his client’s job was actually performed at a light duty, or even medium duty exertional level. Our team filed a lawsuit in federal court on behalf of our client and were able to settle the case for a lump sum without having to go to court.”
3197, wy
“A service technician from Wyoming was forced out of work due to chronic, severe pain that limited her ability to use her upper extremities. She applied for Long Term Disability benefits under her policy with Prudential. Her application for benefits was approved, and she was paid benefits. After two years, Prudential terminated her benefits, stating that she was not totally disabled from alternative sedentary occupations. She turned to Fields Disability for help appealing the termination of benefits.
The Fields Disability team gathered updated medical records, and arranged for a functional capacity evaluation which showed that due to her conditions she was not even able to work in a sedentary occupation. The managing attorney filed an appeal with the additional documentation supporting disability. On review, Prudential reversed the denial. She received a lump-sum payment for all of the back benefits owed to her, and ongoing Long Term Disability benefits.”
2403, wy
“Our client had worked as an aircraft mechanic with a major aircraft company for over 31 years. He began to develop low back pain that led to the development of major depressive disorder. He left work and applied for benefits from his long-term disability insurer, Cigna. Cigna denied his claim from the outset, stating that his medical treatment failed to demonstrate his conditions were severe enough to preclude working at his physically demanding and highly skilled job.
He hired Fields Disability to file an appeal against Cigna. On appeal, our attorneys submitted medical records from all of the client’s treating providers, a narrative report from his orthopedic specialist, and a functional capacity evaluation that showed he was unable to perform his heavy-duty job on a physical basis. After review of the appeal, Cigna agreed our client was disabled and reinstated his disability benefits.”
1574, wy
“A man suffered a crush injury to his left foot and leg while working as a maintenance mechanic. He received benefits from his employer’s workers’ compensation insurer, but he was also eligible for long-term disability benefits through Aetna. Aetna paid him benefits for approximately two and a half years.
During the time he was receiving benefits, the man was diagnosed with CRPS/RSD of the left ankle. Instead of recognizing the seriousness and the progressive nature of the man’s ankle injury, Aetna discontinued his benefits out of the blue, indicating he should be able to return to work as a Pump Service Supervisor or a Pager, two jobs that the man had never previously performed.
The man turned to Fields Disability for help appealing Aetna’s decision. Our team went through Aetna’s file, citing errors in the report of the Independent Medical Examiner, the examiner whose report Aetna relied on in discontinuing our client’s benefits.
We crafted a strong appeal. A few weeks after submitting the appeal to Aetna, Aetna reversed their prior denial of benefits and paid our client his backpay and his monthly benefits.”
No matter where you live or where your insurance company is located we can help.
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LEVEL THE PLAYING FIELD
You
Having the Fields Disability Team on Your Side Gives You an Advantage.
All too often people attempt to go up against their disability insurance company on their own, failing to realize that the insurance company has a large number of people working behind the scenes looking for ways to deny legitimate disability claims. Insurance companies employ:
Claims personnel
Vocational consultants
Doctors
Nurses
Investigators / Surveillance
Lawyers
FREE NO-OBLIGATION ADVICE
FREE NO-OBLIGATION ADVICE
You pay nothing unless we win your case.
Steve Fields
Founder, Fields Disability
If you are disabled and unable to work, you may be facing the stress of dealing with your long-term disability insurance company which is often at odds with your best interest.
Hiring a lawyer might seem too costly, and you may be hesitant to contact a lawyer for help. At Fields Disability we have our Win-Win Guarantee® which can help put your mind at ease.
It’s a simple promise that means there are no upfront costs for having an attorney—we only get paid if you get paid. We believe everyone deserves the right to have an attorney on their side without the worry of legal bills while we are fighting for your benefits.
With our Win-Win Guarantee® you don’t have to wait to have a lawyer on your side – protecting your rights. We’ll deal with the insurance company on your behalf, gather the facts and evidence, and if needed, hire experts to build a strong case giving you the best chance to win your appeal.
You get the benefit of being able to choose the best attorney for your case with no risk. It’s a win-win solution for you.
The insurance companies have attorneys working for them around the clock trying to deny your benefits. You need to have an attorney fighting for you.
OUR STRENGTH ON YOUR CASE®
Claims Personnel
Investigators / Surveillance
Vocational Consultants
Doctors / Nurses
