“A woman who worked as an Internship/Externship Coordinator for a technical college in Delaware suffered from severe persistent asthma. Cigna, her short-term disability insurer, initially accepted her claim. One month later, they denied the claim. Their denial claimed that the medical information available did not provide clinical findings that would preclude her from working.
Not sure what she should do, she reached out to Fields Disability. After completing his review of the client’s file from the insurance company, her attorney developed a plan to fight the denial. He updated medical records and obtained a report from the client’s treating pulmonologist which stated that her asthma was rated at an AMA Class 4D, which is significant.
Armed with this report, her attorney then drafted a winning appeal. The insurance company reversed their decision and reinstated the client’s benefits and paid all the past-due benefits. The client was extremely relieved and grateful to have her sole source of income back.”