“A Minnesotan 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. ”