PROVEN LAWSUIT RESULTS

Bank Teller - Schenectady, NY

Depression, Post Traumatic Stress Disorder

“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.”

Teacher - Eastman, GA

Back Pain, Leg Pain, Foot Pain, Complications from Back Surgeries, Arthritis in Knees

“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.”

Senior Process Engineer - Lorain, OH

Chronic Low Back Pain, Lumbar Post-Laminectomy Syndrome

“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.”

Property Manager - Lexington, KY

Lumbar Radiculitis, Lumbar Disc Disease, Chronic Pain

“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.”

Service Center Representative - Albuquerque, NM

Rheumatoid Arthritis, Fibromyalgia, Chronic Fatigue

“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.”