PROVEN LAWSUIT RESULTS

Account Manager - West Valley City, UT

Chronic Pain, Degenerative Disc Disease, Spinal Stenosis, Fibromyalgia, Anxiety, Major Depressive Disorder

“Our client was a 43-year old individual who worked as an Account Manager before going out of work due to our client’s Chronic Pain, Degenerative Disc Disease, Spinal Stenosis, Fibromyalgia, Anxiety, and Major Depressive Disorder. The employer provided a long-term disability policy, which our client elected to receive coverage under. When our client became eligible for long-term disability benefits from the policy’s carrier, Reliance Standard Life Insurance Company, our client applied for coverage and benefits and was initially approved for benefits and received monthly benefits for almost one year.

However, Reliance Standard terminated our client’s long-term disability benefits, indicating no benefits were payable because Reliance Standard concluded our client did not meet the definition of Totally Disabled. Reliance Standard based the decision to terminate benefits on our client’s Facebook page and found posts regarding a 4-day vacation with a rental car and translated this to mean that our client could return to work.

Upset with the arbitrary decision from Reliance Standard to terminate benefits, she contacted Fields Disability for legal representation and to submit an appeal of this adverse decision. The attorneys at Fields Disability were able to pull together comprehensive medical records, reports, and a timeline for this alleged vacation, and submitted an appeal for our client. In relative short order, Reliance Standard issued a new decision and overturned its prior denial of long-term disability benefits due to the appeal Fields Disability submitted. Reliance Standard proceed to issue a backpay check for the months that it failed to pay our client previously.”

Hotel Manager - Renton, WA

Myasthenia Gravis, Thyoma

“Our client was a 48 year old hotel manager who became disabled after developing a rare neuromuscular disorder and an associated form of cancer. Her capacity for performing her fast-paced, highly skilled job were severely impaired. She applied for disability benefits through The Hartford, and received benefits for about two years. However, The Hartford decided the woman’s conditions were not severe enough to rule out working at a sitting or sedentary-type job. The woman was shocked because she often had trouble even keeping her balance while sitting for short periods of time.

The woman hired Fields Disability to file an appeal on her behalf. We collected medical records and narrative reports to show a complete and holistic view of the claimant’s conditions, restrictions, and limitations. The Fields attorneys referred the woman to a functional capacity evaluation to show that she was unable to perform any type of work. The medical documentation was submitted with a legal memorandum arguing our client’s case under federal case law and regulations. After a brief review, The Hartford reversed its decision to deny benefits and started paying our client’s claim.”

Dialysis Technician - Hannibal, MO

Back Pain, Complications from Fusion Surgery

“A dialysis technician from Missouri experienced escalating back pain after fusion surgery. She was on her feet all day for work, and her symptoms made work impossible. For a while she received disability benefits from her employer provided insurance plan, but the payments suddenly stopped because the insurer said her condition was pre-existing and not covered by the policy.

Worried about her lost income, she called Fields Disability for assistance. Our support team reached out to the insurance company for a complete copy of the claim file. While receipt of the claim file was pending, our attorneys began drafting an appeal of the decision based on medical evidence. The first appeal was unsuccessful, but our team diligently pushed for the entire claim file and Fields attorneys discovered that the insurance company was misinterpreting their own policy provisions. We filed a second appeal to fight for our client’s benefits and the insurer relented. Our client received a lump sum payment for back-pay and ongoing monthly benefits. She is very happy with the diligent representation from Fields Disability.”

Customer Service Representative - Resaca, GA

Migraine Headaches, Fibromyalgia, PTSD, Depression, Anxiety

“Our client worked as a Customer Service Representative for years until she developed fibromyalgia that was exacerbated by her various mental health issues. She left work and submitted a claim to her disability carrier, who denied benefits after a cursory review.

The insurer claimed our client was capable of performing her fast-paced job and mentally taxing job. She searched for help online and founds Fields Disability to represent her. Our attorneys strengthened our client’s case by securing medical reports from her doctors outlining specific restrictions the woman had that were fundamentally incompatible with her work. The medical information resulted in a favorable appeal and our client was happy to receive all outstanding benefits.”

Driver - Southfield, MI

Glaucoma, Neck Pain

“A driver for a courier service became disabled when he developed glaucoma and neck pain. As a result, he was unable to work. Unum, the insurance company, denied the claim for the outset, stating that his conditions fell under a pre-existing condition provision in his policy.

Not sure what he should do, he reached out to Fields Disability. His attorney researched the effective date of the policy to determine if the pre-existing condition clause was valid. Additionally, he closely analyzed the medical records and determined that, even if the pre-existing clause was valid, the man’s neck pain did not meet the definition of pre-existing. On appeal, the insurance company reversed their decision and paid all past-due benefits. The man was very happy that he had a livable monthly income again.”