PROVEN LAWSUIT RESULTS

Quality Control Clerk - Albuquerque, NM

Chronic Paid, Hepatitis C

“A man who worked in as a Quality Control Clerk for US Foods suffered from chronic and debilitating pain in his ankle and neck, as well as Hepatitis C. As a result, he was unable to continue to perform his job. After paying benefits for two years, his long-term disability insurer, Prudential, denied his claim alleging that there was no evidence that his condition prevented him from performing occupations that they had identified.

Not knowing what to do, he reached out to 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. He also obtained a report from his treating doctor which highlighted that the client could not work with his condition. His attorney then drafted a winning appeal which outlined the deficiencies in Prudential’s review of the claim. On appeal, the insurance company reversed their decision and reinstated the payment of monthly benefits. The client was ecstatic to hear that he was going to have the income he needed to get by while he worked on managing his pain.”

Instrument Technician - Dover, DE

Tibial Dysfunction, Bilateral Foot Arthritis, Bilateral Knee Osteoarthritis, Degenerative Joint Disease of the Knees, Hypertension, Congestive Heart Failure, Sleep Apnea

“Our client was an Instrument Technician from Delaware. He suffered from tibia dysfunction, bilateral foot arthritis, bilateral knee osteoarthritis, Degenerative Joint disease of the knees, hypertension; congestive heart failure and sleep apnea. After being taken off work by his doctors he applied for long term disability benefits through his employer’s plan with Cigna.

Originally, Cigna approved our client’s benefits, but then Cigna discontinued our client’s benefits asserting his conditions had sufficiently improved such that benefits were no longer payable. This occurred shortly after our client was approved for Social Security Disability benefits and Cigna received its over payment of benefits.

Our client reached out to Fields Disability for help appealing this decision. Our attorneys drafted an appeal that established Cigna had relied upon selective evidence that misstated our client’s work restrictions and limitations and the required abilities of his occupation. Additionally, we received narrowly tailored narrative reports from our client’s treating doctor’s outlining his actual limitations and restrictions, which clearly make it impossible for him to perform his Own Occupation. After reviewing our appeal Cigna reversed its denial, paid our client his back pay, and recommenced monthly benefit payments.”

Cashier - Kailua Kona, HI

Seizure Disorder

“A young woman from Hawaii suffered from a seizure disorder which caused her to experience multiple seizures daily. Not surprisingly, she was unable to perform her job as a cashier at Costco. Her long-term disability insurer initially accepted the claim, however they later denied her claim for benefits. The insurer alleged that the seizures were a symptom of a mental disorder, not a physical condition, despite medical evidence indicating there was an electrical abnormality in her brain. Therefore, she had reached the maximum period for mental health disorders under her policy.

Scared and unsure of what to do, she reached out to Fields Disability. Her attorney at Fields went right to work reviewing the entire file from the insurance company and creating a plan. Soon after, he filed a lawsuit in federal court. Leveraging his knowledge of the file and law, her attorney was able to negotiate a settlement with the insurance company which she was very happy with.”

Nanny - Elmwood Park, IL

Anxiety, Depression

“A nanny for a young family in Chicago began to suffer from severe anxiety and depression. Due to the effects of her anxiety, she was unable to perform her job. The long-term disability insurer denied her claim on the basis that she had not provided evidence that she was prevented from performing her job. She appealed the denial but the insurer again denied her claim.

The Fields Disability attorneys quickly filed a lawsuit in federal court. Despite a limited administrative record, her attorneys fought hard leveraging everything in the record which supported the client’s disability as well as strong negotiating tactic. The insurance company initially offered a settlement but our attorneys fought hard to make the insurance company increase their offer. They were able to reach a much more favorable settlement with the insurance company which put money in the client’s pocket she otherwise wouldn’t have had.”

Welder - Cleveland, OK

Spinal Spondylolisthesis

“A young man from Oklahoma who worked as a welder began to experience debilitating back pain. There was no way he could continue working as a welder with the pain that he was in. His long-term disability insurer denied the claim. The insurer claimed that his back pain was the result of a pre-existing condition. Their denial was based off of a single medical record.

Angry, he reached out to Fields Disability. His attorney at Fields Disability began reviewing the entire file from the insurance company and creating a plan. He drafted an appeal that included medical records from all of his providers and a report from his orthopedist. The insurer denied the claim on appeal. His attorney immediately filed suit in federal court. After negotiating with the insurance company, his attorney was able to reach a favorable settlement with the insurance company.”