Trusted by clients nationwide

3627, mn

“A teacher in Minnesota suffering from major depressive disorder, PTSD, generalized anxiety disorder, bipolar disorder, and ADHD could not work for an extended period. She applied for Long Term Disability benefits under her Madison National policy, but they denied the claim on initial application stating that the documentation did not support total disability.

She turned to Fields Disability for assistance. The Fields Disability team gathered supporting documentation, including medical evidence and opinion letters from her medical providers, and submitted an administrative appeal challenging the denial. After reviewing all the additional information, Madison National reversed the initial decision. While the appeal was pending, her conditions improved, and she returned to work. Madison National paid her disability benefits for a closed period for the time that she had been disabled and unable to work.”

3508, mn

“A floor supervisor for a food services company in Minnesota developed severe joint issues over the course of his career. Unable to continue working, he applied for Long Term Disability benefits from Sedgwick. However, the insurer denied his claim, asserting that his medical records did not support restrictions to prevent him from returning to work.

He retained Fields Disability to appeal the decision. The Fields team gathered his updated medical records and crafted an appeal. Upon consideration, Sedgwick overturned their denial, issued payment for back benefits, and began making monthly payments.”

3493, mn

“A cashier from Minnesota injured his back while at work and was subsequently only able to work part time. As part of his disability process, he applied for Short Term Disability benefits from Sedgwick. Upon review, the insurer denied his claim for failure to provide adequate information to support his disablement.

He retained Fields Disability to help him comply with his policy. The Fields attorneys compiled his records and wrote an appeal of the insurer’s decision. Upon review, Sedgwick found they had everything required to process his disability application and overturned their prior denial, granting him Short Term Disability benefits.”

3475, mn

“An Underwriter from Minnesota suffered from chronic hip degeneration her entire life and underwent a dozen surgeries prior to the age of 20. She was able to work sedentary jobs, but eventually, her condition became too severe and she was forced to stop full time work. She found a part-time job, was approved for partial benefits, and received benefits for four years. After her case was transferred to a different claims manager, Principal discontinued her benefits and said she could return to full-time work.

Worried about her lost income and still suffering from chronic pain, she contacted Fields Disability for help. Our attorneys drafted a strong appeal refuting Principal’s arguments and highlighting our client’s most recent medical treatment. Principal reversed its denial decision. Our client received a lump-sum payment for back pay and her monthly benefits once more.”

3360, mn

“A County Recording Clerk in Minnesota ceased working at the recommendation of her doctors due to a progression of her rheumatoid arthritis, trigger finger, chronic fatigue, and osteoarthritis in her knees, hips, and low back. She applied for disability benefits, but Madison National denied her Short Term Disability benefits and her application for Long Term Disability benefits. Unsure where to turn next, she reached out to the Fields Disability to appeal her Short Term and Long Term claim decisions.

The Fields Disability team gathered additional medical records, and a narrative report from our client’s treating doctors. The Fields attorneys submitted an appeal, but Madison National reviewed and upheld its original decision because our client returned to work after surgery and physical therapy, and Madison National used the return to work to assert that she was never disabled from performing her own occupation.

With a second appeal available, our team obtained additional updated medical evidence and additional supportive narrative reports stating that our client’s ability to return to work was due to her physical therapy and time off work to recover from her surgery. After review, Madison National overturned its denial and approved all of her Short Term Disability benefits and two months of Long Term Disability benefits.”

3356, mn

“A Police Officer in Minnesota was in an officer involved shooting and developed severe PTSD. That condition, alongside an ongoing degenerative disc disorder, ultimately forced him out of work. He applied for Long Term Disability benefits, but Madison National denied his claim for benefits, stating that his conditions didn’t prevent him from doing his job.

Knowing he needed help, he retained Fields Disability to fight for his benefits. Our team requested additional updated documentation, and supporting reports from his treating providers. The managing attorney wrote an appeal critical of the reasoning for their denial with additional supporting documentation. After months of reviewing the appeal, the insurer overturned the denial. Our client was paid for all past due benefits, and was reapproved for ongoing benefits.”

3353, mn

“A Mental Health Practitioner worked at her local school district in Minnesota for many years until she developed a neurological disorder that caused dizziness, severe fatigue, inability to concentrate, and difficulty with speech that forced her out of work. She filed for disability benefits under her insurance policy, but Madison National denied her claim and stated that the documents did not support the inability to work in her occupation.

Unsure of what to do next, she turned to Fields Disability for help. Our team requested medical records from all her treating providers including a supportive statement from her primary care physician, confirming her new diagnosis of functional neurological disorder, the objective findings, and the provider’s opinion on her ability to work. Fields attorneys filed all of the additional information on appeal. After reviewing all the evidence and a physical examination, her benefits were approved, and she received payment for the past due benefits.”

3350, mn

“An Administrative Manager for a large railroad company in Minnesota developed lower back and neck conditions that made it very difficult for her to perform her normal work duties. These conditions, combined with bilateral hand pain from carpal tunnel syndrome, made it impossible for her to perform the computer work demanded of her on a full-time work schedule. After working with these conditions, she left work at the at the advice of her doctors. She filed a claim for disability benefits with The Hartford and was approved. A few months later, her insurer terminated her claim, offering litle explanation. Confused by the decision, she searched for help online and found Fields Disability.

Our team wrote requests for reports to our client’s treating providers. To assess our client’s functional abilities, the Fields Disability attorneys referred her to a Functional Capacity Evaluation (FCE). The FCE revealed that our client might be able to perform some modified form of desk work. Our attorneys submitted the report to a vocational expert for review and comment, and, after review, the vocational expert concluded that no gainful work in the economy existed with our client’s restrictions and limitations. The Fields Disability attorneys submitted the additional information on appeal. The Hartford paid our client all past due benefits, and reinstated benefits.”

3346, mn

“A Pediatric Physical Therapist from Minnesota suffered from severe and sudden migraines. Her condition caused her to have extreme sensitivity to light and sound, and made concentrating at work impossible. She applied for Long Term Disability through her employer’s insurance policy. After paying benefits for about four months, Prudential denied her benefits stating her records did not support restrictions and limitations preventing her from returning to work.

Worried about her lost income and unable to return to work, she contacted Fields Disability for help. Our disabilty team obtained the claim file from the insurance company, and additional medical documentation with expert reports. When our attorneys reviewed the file, it was obvious that the insurer overlooked key medical records. Fields Disability attorneys submitted the updated documentation, and a strongly supported appeal letter. After reviewing the updated information, the insurance company paid our client back benefits and ongoing monthly benefits.”

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.”