PROVEN LAWSUIT RESULTS

Sales Representative - Henderson, NV

Pulmonary Embolism, Chonic Fatigue, Chronic Pain

“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.”

Hotel Manager - Denver, CO

Dysautonomia

“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.”

Sales Representative - Bartlesville, OK

Back Pain, Hypertension, Chronic Pain Syndrome, Anxiety, Depression

“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.”

Shift Supervisor - Johnstown, PA

Chronic Migraines

“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.”

Eligibility Specialist - Portage, IN

Rheumatoid Arthritis

“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.”