PROVEN LAWSUIT RESULTS

Registered Nurse - Lawrenceburg, KY

Breast Cancer

“A registered nurse from Kentucky originally ceased working due to her diagnosis of stage IV metastatic breast cancer and all the consequential disabilities related to this life-threatening diagnosis. After 24 months of coverage, the insurance carrier terminated benefits as it claimed this registered nurse did not meet their definition of “disabled” and claimed she could perform a list of occupations.

Upset at her sudden loss of income, she called Fields Disability for help appealing Prudential’s decision. The attorneys at Fields Disability contacted our client’s doctors to compile reports of all of her symptoms and treatments. After only one appeal, Prudential agreed with the Fields Disability attorneys, and reversed their prior determination and administered benefit payments immediately.”

Licensed Practical Nurse - Arkansas City, AR

Stroke Complications

“A 54-year-old woman who formerly worked as a Licensed Practical Nurse needed to stop working following complications from a stroke. Mutual of Omaha denied her claim for long-term disability benefits because it opined that she had a pre-existing condition—hypertension, which the insurer claimed had a direct correlation to the stroke she had.

According to the group policy governing her long-term disability benefits, a preexisting condition was any Injury or sickness for which she received medical treatment for, or had medicines prescribed to her in the 12 months prior to the day she was disabled.

The attorneys at Fields Disability appealed this denial of benefits claiming hypertension is not a pre-existing condition for a stroke. Mutual of Omaha agreed and reversed its prior decision to deny benefits.”

Customer Service Representative - Louisville, KY

Seizures, Blackouts, Diabetes

“A woman who worked as a customer service representative for Delta Dental Plan suffered from a seizure disorder which resulted in her experiencing total blackouts. These blackouts could occur at any time. Due to this, she was no longer able to perform her job. Her long-term disability insurer initially accepted and paid the claim. They later denied the claim stating that she could perform other jobs.

She reached out to the attorneys at Fields Disability for help. Her attorney obtained all of her medical records and contacted her treating doctors to provide the necessary support. On appeal, the insurer again denied the claim after which her attorney filed a lawsuit in federal court. He was then able to negotiate a settlement with the insurer that maximized the value to the client while at the same time mitigating the significant risk of moving forward with litigation.”

Tax Director - Orange, CT

Type 1 Diabetes, Charcot Foot Deformity, Neuropathy, Neurological Deficits from Stroke

“A tax director for a national accounting firm became disabled when his type 1 diabetes resulted in complications to his lower extremities, including a diabetic foot ulcer. The man could not walk for more than a few minutes a day. If he over-exerted himself, he could develop further complications requiring amputation of his foot. He applied for disability benefits and retired to focus on stabilizing his medical conditions.

The man was paid for approximately two years before Cigna denied his benefits, stating he was able to perform his own sedentary occupation as an accountant. As a tax director, he was shocked. Far from sitting in an office working on tax returns, his job required him to meet with clients at their businesses and attend local business events.

Out of options, he hired Fields Disability to pursue his claim. The Fields attorneys assembled a number of medical narrative reports outlining our client’s symptoms in his upper and lower extremities. Additionally, the attorneys had a vocational professional review our client’s job duties and write a report arguing Cigna failed to consider the material duties of our client’s occupation when it myopically labeled him as an accountant. Just a few weeks after the appeal was submitted, Cigna reinstated the claim and paid our client all of the outstanding back pay.”

Department Store Manager - Whiteville, TN

Lumbar Degenerative Disc Disease

“A 62 year old manager at a retail store became disabled after developing degenerative disc disease in the lumbar region in her spine. Her capacity for lifting, staying on her feet, and even doing routine paperwork was significantly impaired. She applied for disability benefits through Prudential, and received benefits for about two years. However, Prudential 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 couldn’t even sit for a half hour without severe back pain.

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. After a brief review, Prudential reversed its decision to deny benefits and started paying the woman’s claim. She was very pleased with the final result and vowed that Fields Disability would be the first call if Prudential ever tried to take her benefits away again.”