PROVEN LAWSUIT RESULTS

Plumbing Engineer - Palmer, AK

Cervical Stenosis, Back Pain, Carpal Tunnel

“A Plumbing Engineer from Palmer, Alaska began experiencing severe back pain. He had surgery which involved hardware being installed in his neck. The surgery caused numbness in his arms which required further surgeries and resulted in carpal tunnel syndrome as well. Incredibly, his long-term insurance company denied his benefits after only a few months because he could return to his work in which he was required to frequently exert up to 50 pounds of force.

Shocked by the insurance company’s decision and worried about his lost income, he called Fields Disability for help. Our team obtained the full claim file from the insurance company and our attorneys scoured the record for places where the insurance company made legal or factual errors. Our attorneys drafted a strong appeal to the insurer based on updated medical records, expert testimony, and strong legal research. The insurance company changed their mind and overturned the decision. Our client received a lump-sum check for back pay and ongoing monthly benefits. He was pleased with the diligent advocacy from Fields Disability and is happy to be done fighting his insurance company.”

Sales and Marketing Representative - Maspeth, NY

Anxiety, IBS, Neuropathy, Migraines, Degenerative Disc Disorder

“A sales and marketing representative from Maspeth, Queens began experiencing anxiety and migraines. The medication prescribed to combat her anxiety gave her severe gastrointestinal distress which only exacerbated her anxiety. Combined with chronic back pain, her conditions made it impossible to work. Her insurer through work approved her for long term disability benefits initially but then stopped payments after seven months. The insurer said she could return to work because she was no longer disabled.

Worried about her lost income, she called Fields Disability for help. We gathered all our client’s medical records and our attorneys examined them closely. It turns out the insurance company mis-analyzed the cumulative effect of our client’s ailments and did not grasp the full impact of our client’s condition. With the evidence strong, our attorneys filed an appeal to the insurance company. The insurer reversed the denial and our client received a lump-sum check for back-pay and ongoing monthly benefits. She is pleased to be done fighting her insurer, and is happy with the representation from Fields Disability.”

Machine Operator - Springfield, VT

Left Hip Replacement Surgery, Low Back Pain, Neck Pain, Shoulder Pain, Bilateral Foot Pain

“Our client worked as a machine operator prior to developing severe pain along his spine and hips. He eventually required a hip replacement surgery and left work indefinitely. He submitted a claim to his Long Term Disability insurance company, Prudential. Prudential approved his claim and paid him for just a few short months until it denied his benefits without warning. Prudential now stated the man was able to return to his job lifting up to 50 pounds and standing most of the day. Our client was shocked because he had not improved much since his major surgery.

He hired Fields Disability to fight Prudential. The Fields attorneys referred our client to a Functional Capacity Evaluation with a local physical therapist. The testing showed unequivocally that our client was unable to perform the heavy lifting his job required. The testing was submitted to the insurance company, along with arguments about the lack of improvement in our client’s condition. After a brief review, Prudential reinstated disability benefits for our client.”

Aircraft Mechanic - Afton, WY

Back Pain, Depression

“Our client had worked as an aircraft mechanic with a major aircraft company for over 31 years. He began to develop low back pain that led to the development of major depressive disorder. He left work and applied for benefits from his long-term disability insurer, Cigna. Cigna denied his claim from the outset, stating that his medical treatment failed to demonstrate his conditions were severe enough to preclude working at his physically demanding and highly skilled job.

He hired Fields Disability to file an appeal against Cigna. On appeal, our attorneys submitted medical records from all of the client’s treating providers, a narrative report from his orthopedic specialist, and a functional capacity evaluation that showed he was unable to perform his heavy-duty job on a physical basis. After review of the appeal, Cigna agreed our client was disabled and reinstated his disability benefits.”

Service Account Manager - Goodview, VA

Failed Back Syndrome, Degenerative Disc Disease, Enthesopathy, Irritable Bowel Syndrome, Lumbar Radiculitis, Migraines, PTSD, Major Depression, Major Anxiety, Morbid Obesity

“Our client was a 47-year old woman who worked as a Service Account Manager before going out of work due to Failed Back Syndrome, Degenerative Disc Disease, Enthesopathy, Irritable Bowel Syndrome, Lumbar Radiculitis, Migraines, PTSD, Major Depression, Major Anxiety, and Morbid Obesity. The employer provided a long-term disability policy, which our client had elected to receive coverage under. When she became eligible for long-term disability benefits from the policy’s carrier, our client applied for coverage and benefits. She was initially approved for benefits and received monthly benefits for a little over two years.

However, The Standard terminated our client’s long-term disability benefits, indicating no benefits were payable because the insurer concluded our client did not meet the definition of “Disabled”. The Standard felt our client could work any sedentary occupation based on her education and previous employment. The Standard based the decision to terminate benefits based on a “Physician Consultant’s” review of the medical records on file, which did not include even half of our client’s records.

Upset with the arbitrary decision from The Standard to terminate benefits, she contacted Fields Disability Law Firm to submit an appeal. The attorneys at Fields Disability were able to pull together all of our client’s medical records, generate physician reports, obtain a vocational report, and submit a comprehensive appeal for our client. In less than 30 days, The Standard issued a new decision and overturned its prior denial of long-term disability benefits due to the appeal the attorneys had submitted. The Standard reinstated benefits and issued a backpay check for the months that it failed to pay our client.”