PROVEN LAWSUIT RESULTS

Underwriter - Cottage Grove, MN

Chronic Degenerative Hip Disease

“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.”

Die Grinder - Rochdale, MA

Back Pain, Failed Back Surgery, Rotator Cuff Tear

“An Industrial Die Grinder from Massachusetts tore his rotator cuff at work. He applied for Long Term Disability benefits, but there was a 365-day waiting period before benefits would be paid. After the waiting period expired, Guardian denied benefits, saying that the application was received two days after his disability had begun so he was not covered by the policy.

Upset at the insurer and his lost income, he called Fields Disability for help. Our attorneys drafted a strong two-part appeal. The first part was entirely procedural: Guardian was reading its own policy wrong with regards to coverage. The second part was based on the strength of the medical record: our client was clearly disabled. Guardian reversed its denial decision. Our client received a lump-sum payment for back pay and ongoing monthly benefits.”

Medical Service Associate - Baltimore, MD

Sarcoidosis, Depression, Anxiety

“A Medical Service Associate from Maryland developed Sarcoidosis and significant depression and anxiety resulting from the cancer treatment. She left work during her chemotherapy and received long-term disability benefits, but when the chemo stopped, Sedgwick stopped paying her benefits.

Worried about her lost income and struggling to explain her ongoing issues to Sedgwick, she contacted Fields Disability for help with her appeal. Our attorneys drafted an appeal based on our client’s most recent medical treatment. Sedgwick reversed its denial decision, and our client received a lump-sum payment for back pay and ongoing monthly benefits.”

Mechanic - North Vernon, IN

Systemic Degenerative Bone Disease, Sciatic Nerve Damage, Anxiety, Depression, Insomnia, IBS

“A mechanic from Indiana developed systemic degenerative bone disease and was forced out of work. After leaving work, she began suffering from extensive mental health issues. She applied for and was granted Long Term Disability benefits. She remained on claim for two years before Unum canceled her benefits when her policy changed the definition of “Totally Disabled.”

Knowing she needed help appealing Unum’s decision, she retained Fields Disability to fight for her case. The Fields team began requesting updated medical records from her providers and crafting an appeal of the insurer’s arguments in their denial letter. The Fields attorneys submitted their appeal and within a few weeks, Unum had overturned their prior denial and were issuing a check for back benefits.”

County Recording Clerk - Maplewood, MN

Rheumatoid Arthritis, Trigger Finger, Chronic Low Back Pain, Chronic Right Wrist Pain and Swelling, Osteoarthritis Bilaterally in the Knees, Chronic Left Hip Pain, Chronic Fatigue

“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.”