“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.”