PROVEN LAWSUIT RESULTS

Counter Manager - Hamilton, NJ

Trochanteric Bursitis, Lumbar Spine Compression Fracture, Spinal Stenosis, Lumbar Radiculopathy

“Our client applied for short-term disability benefits with an insurance company provided by her employer. Our client’s short-term disability benefits were approved by the insurance company and it paid our client benefits for six months until she exhausted these benefits. Our client then applied for long-term disability benefits with an insurance company provided by her employer. Our client’s long-term disability benefits were also approved by the insurance company and it paid our client benefits until it terminated her long-term disability benefits just two weeks after approving her claim. The insurance company notified our client that it was denying long-term disability benefits based on the determination that our client can work her regular occupation as a counter manager.

Disappointed with the sudden loss of income, our client contacted the attorneys at Fields Disability to help appeal the adverse decision. The attorneys at Fields Disability acquired medical records, functional capacity evaluations, and reports from our client’s treating doctors and submitted an appeal. The insurer, in response to the appeal, issued a decision and overturned their prior determination to terminate our client’s long-term disability benefits. Our client was paid back all the benefits she was entitled to, and was very pleased with the successful outcome.”

Management Trainee at Rental Car Business - Charlotte, NC

Fibromyalgia, Multiple Sclerosis, Depression, Hypertension, Migraines, Myelitis-Idiopathic Transverse

“A manager from North Carolina had been diagnosed with Fibromyalgia and Multiple Sclerosis. Her job at a rental car business required her to work overtime and drive the rental cars. She was forced to stop working because she could only work six hours a day and was prescribed medications that would prohibit her from operating a moving vehicle. She initially received long-term disability benefits from Unum, but after a few months she was sent a letter explaining that benefits would stop because she no longer met their definition of “disabled.” The mother of twins was upset at her sudden loss of income, so she contacted Fields Disability for help.

The attorneys at Fields Disability contacted our client’s doctors to compile reports of all of her symptoms and treatments and also hired their own vocational expert to review the case and issue a report. Fields Disability filed an appeal, and Unum came back and reversed its denial decision, and commenced payment of long-term disability benefits. The attorneys were able to get a lump-sum for all the missed payments our client was rightfully entitled to. She was overjoyed with the resolution of her case and eager to enjoy her check and future disability benefits.”

Collections Representative - Raeford, NC

Diabetes, Scoliosis

“A collections representative from North Carolina suffered from Type 1 Diabetes since childhood. After being hospitalized with severe pain and neuropathy, she was unable to return to work. The Hartford paid her long-term disability benefits for fifteen months. Then, without warning, the payments stopped. The collections representative found out she was denied when she called The Hartford to ask what happened to her direct deposit payments.

Angry that the insurance company stopped her benefits with no notice, she called Fields Disability for help with an appeal. Our attorneys immediately contacted The Hartford to request a copy of the claim file, and found that the insurer had ignored a functional capacity test that showed our client’s symptoms were too severe for her to continue work. Our attorneys compiled updated medical records and submitted an appeal to The Hartford. After a brief review, the insurer reversed course and reinstated benefits. Our client was pleased with the professional advocacy she received from Fields Disability, and is happy to have her income restored.”

Manufacturing Operator - Raleigh, NC

Osteoarthritis of Right Hand and Lower Back, Heart Disease

“A North Carolina man just three years away from retirement had spent nearly his entire career working in manufacturing. His job required him to stand on his feet all day, running machinery and lifting equipment. After decades of wear and tear, his body eventually hurt too much to continue working. His doctors diagnosed him with osteoarthritis of the hand and lower back, and told him he had also developed heart issues. Knowing his conditions were serious, the man applied for and was granted Social Security Disability benefits.

The man also applied for long term disability benefits from Liberty Mutual Insurance. However, Liberty Mutual denied his application for benefits, claiming that he did not meet the definition of “disabled” and was capable of performing the essential duties of his old job. In their denial, Liberty Mutual even admitted to reading the Social Security Administration’s grant of benefits, but still refused to acknowledge his need for Long Term Disability benefits.

The man knew he needed help appealing Liberty Mutual’s denial of his benefits. He contacted Fields Disability, and our team of attorneys immediately began building his case. We worked with his physicians to produce supporting medical documentation, and wrote a very strong appeal of Liberty Mutual’s denial. Considering our arguments, Liberty Mutual had no choice but to reverse their prior decision and approve our client’s appeal. Our client soon had his benefits reinstated, and also received a check for back pay from Liberty Mutual.”

Specimen Processer - Sharpsburg, NC

Bilateral Carpel Tunnel Syndrome, Spinal Stenosis, Lyme Disease

“A 48-year-old woman from North Carolina suffered from several disabilities including bilateral carpel tunnel syndrome, spinal stenosis, and Lyme disease. As a Specimen Processor, she was required to stand for long periods of time and, using her hands and wrists, delicately handle blood samples, bacteria cultures and bodily organs, none of which was possible without quivering hands and extreme pain. The client received short-term disability benefits, but the application for long-term disability was denied.

She then hired Fields Disability to appeal the denial and the attorneys at Fields requested supportive medical reports from her rheumatologist, orthopedist and longtime family physician. The medical report requests were designed to have each doctor answer the right questions relating to the client’s disability, and to explain why she was unable to do her job as a specimen processor. The doctors responded with highly supportive reports clearly showing that the client was disabled and unable to work.

After a brief but careful review, the insurer reversed its denial and awarded long-term disability benefits to our client, who will now receive the much-needed long-term disability payments to help her get better and hopefully return to the workforce.”