PROVEN LAWSUIT RESULTS

Diesel Mechanic - Fruitland, UT

Fibromyalgia

“A diesel mechanic at an oil company became disabled after developing fibromyalgia. Initially, Cigna paid benefits to the man and agreed he was completely disabled. After two years, the insurance company decided to deny benefits, stating the man could return to work at a number of sedentary occupations. The man was shocked because Cigna had treated him fairly in the past.

The decided to hire Fields Disability to help him appeal Cigna’s decision. Our attorneys updated our client’s medical records and secured written reports from our client’s treating physicians describing his severe and debilitating symptoms. The appeal was submitted with a substantial legal memorandum arguing Cigna ignored the medical evidence supporting our client’s disability. Cigna reinstated benefits shortly thereafter and sent the man a large back pay check. He was so pleased with the way the appeal was handled that he subsequently hired Fields Disability to monitor and manage his disability claim with Cigna.”

HVAC Technician - Brook Park, OH

Heart Attack, Triple Bypass Surgery, Chest Pain, Shortness of Breath

“An Ohio HVAC technician had a heart attack. He underwent triple bypass surgery, and experienced chest pain and shortness of breath. His doctors advised that he needed to keep physical exertion as low as possible. He was approved for short term disability benefits at work, but after a couple of months the payments stopped. The insurance company said he was no longer disabled even though his doctor said he could not return to work.

Upset that the insurance company was ignoring his symptoms, he contacted Fields Disability for help. Our attorneys contacted our client’s treating physicians and obtained the claim file from the insurance company. Fields attorneys helped our client apply for long-term disability benefits while appealing the decision for the short-term disability benefits. The long-term application was initially denied, but Fields attorneys supplemented the claim with additional medical records and recommendations.

Ultimately, both the long-term and short-term disability claims were approved. Our client received a generous lump-sum for back-pay and now receives monthly benefits. He was impressed with the diligent advocacy from Fields Disability, and is relieved to have his monthly income restored.”

Electrical Technician - Spotsylvania, VA

Glioblastoma

“Our client was an Electrical Technician from Virginia who suffered from Glioblastoma. He developed symptoms overtime and after it was diagnosed he was removed from work by his treating doctors. Our client then applied for long-term disability benefits through his employer’s plan with Voya administered by ReliaStar. Regrettably, the insurer denied our client’s claim for benefits asserting that treatment our client received prior to applying for benefits barred his claim as pre-existing.

Our client reached out to Fields Disability for help fighting this denial. Our attorneys examined all of our client’s medical records and all of the documentation utilized by the insurer in denying benefits. Next, our team drafted an appeal outlining that the pre-existing condition limitation did not apply to this case based upon the objective evidence contained within the file and the opinions of the treating doctors.

Unfortunately, prior to submitting this claim, our client passed away from his debilitating Glioblastoma. Our attorneys submitted the appeal and argued that claimant’s family was entitled to the Survivor Benefit available under the relevant Policy in addition to our client’s back pay for wrongly denying this claim. After receiving and reviewing our appeal, the insurer paid our client’s family his back pay and the Survivor Benefit.”

Sales Representative - Henderson, NV

Pulmonary Embolism, Chonic Fatigue, Chronic Pain

“A man from Nevada worked as a sales representative for a vacation company. He suffered from pulmonary embolism which disabled him from any work. In addition to the pulmonary embolism, he also suffered from chronic fatigue and chronic pain. His long-term disability insurer initially accepted his claim. After paying benefits for two years, they denied his claim. They asserted that the client had the functional capacity to work a sedentary job.

Frustrated and not sure how to fight the insurance company, he found the attorneys at Fields Disability. His attorney at Fields reviewed all of the records the insurance company had and began getting updated records to provide. During the appeal process, our client was approved for Social Security Disability which created a large overpayment claim. With the remaining exposure on the claim smaller than the overpayment, his attorney worked with the insurance company to have the overpayment waived. Our client was elated that he would not have to pay back all of that money to the insurance company and was even more relieved to be done with the insurer.”

Hotel Manager - Denver, CO

Dysautonomia

“Our client was a young man who worked as a hotel manager in Colorado for a major hotel chain. He developed dysautonomia, as well as some associated diseases that affected his ability to work in any capacity. He submitted a claim to his insurance company, and was paid benefits during the Own Occupation period of the policy.

However, when the definition changed to Any Occupation, the man was denied continuing benefits. The insurance company said the man would be able to perform a number of desk jobs. The man hired Fields Disability to sue the insurance company in federal court.

Our attorneys developed a number of arguments to challenge the insurer’s decision. Fields Disability successfully negotiated a large settlement leveraging the insurance company’s errors. The man was thrilled and was able to help bring his parent’s past-due mortgage up to date and avoid foreclosure.”