PROVEN LAWSUIT RESULTS

Sales Representative - Omaha, NE

Migraines

“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.”

Car Salesman - Durham, NC

Lupus, Mixed Connective Tissue Disease, Myositis, Degenerative Disc Disease

“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.”

Benefits Analyst - Manville, NJ

Severe Spondylosis, Radiculopathy into Extremities

“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.”

Nurse Anesthetist - Muskogee, OK

Spinal Fusion, Neck Pain, Back Pain

“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.”

Salesman - Chicago, IL

Chronic Regional Pain Syndrome, Massive Full Thickness Bilateral Rotator Cuff Tears

“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.”