PROVEN LAWSUIT RESULTS

Volunteer Coordinator - Laplata, MD

Fibromyalgia, Migraines, Cervical Spine Radiculopathy, Right Shoulder Tendinopathy

“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.”

Registered Nurse - Pataskala, OH

Chronic Lyme Disease, Fibromyalgia, Chronic Fatigue Syndrome

“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.”

Machine Operator - Crystal Falls, MI

Neuropathy, Diabetes, Lower Back Pain

“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.”

Senior Finance Manager - Parsippany, NJ

Anxiety, Depression, Lupus, Heart Conditions, Back Conditions, Fatigue, Migraines, Headaches

“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.

Associate in Operational Finance - Cicero, NY

Alcoholism

“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.”