PROVEN LAWSUIT RESULTS

Project Manager - Richmond, VA

Fatigue, Unexplained Weight Loss, Anxiety

“A 51-year-old Project Manager developed severe fatigue and extreme weight loss. Unfortunately, doctors were not able to pinpoint the cause of his problems, which left the man very frustrated. His frustration intensified when his conditions rendered him unable to perform his job duties. He applied for long-term disability benefits, but the insurer denied his claim. The insurance company led the man to believe that he could appeal their decision to deny his benefits on his own, so he did. However, the insurance company denied his appeal and his only remaining option was to proceed with a lawsuit against the insurance company.

At that stage, he turned to Fields Disability for help. Unfortunately, we had to explain to him that the case would be much harder for us to pursue because he had completed his appeal on his own. We proceeded with the uphill battle. Luckily, after filing the lawsuit, we were able to reach a settlement with the insurance carrier.”

Telephone Account Representative - Lisbon, IA

Severe Anxiety, Depression, Gastrointestinal Issues, Cognitive Disorder

“An Iowa woman worked as a telephone account representative for a premiere online digital marketing company. She was forced to stop working due to severe anxiety, depression, gastrointestinal issues, and a cognitive disorder she had developed. Concerned about her future, she applied for long-term disability benefits.

The insurance company denied her application for benefits, claiming that the woman had not been disabled during her long-term disability policy’s elimination period. She tried appealing the insurer’s decision with the help of a local attorney, but failed to persuade the insurer to change their decision. She had soon filed all of the appeals she was allowed to and had nowhere to turn.

Out of options, the woman approached Fields Disability, and spoke to an attorney about her claim. We took on her case, and immediately filed a lawsuit against the insurance company arguing that their denials had been arbitrary, capricious, unreasonable, irrational, wrongful, and contrary to both the law and the terms of her insurance plan. Our attorneys fought back and forth with the insurance company, and ultimately secured a settlement for our client.”

Bank Teller - Schenectady, NY

Depression, Post Traumatic Stress Disorder

“A bank teller from New York was experiencing depression and posttraumatic stress disorder. She was increasingly anxious at work and her condition deteriorated to the point where work was impossible. She stopped working and entered in-patient treatment for her depression. She applied for long-term disability benefits based on a physician’s recommendation that she would not be able to work in her condition. The insurer denied the claim she submitted and her subsequent appeal.

Shocked that the insurance company twice disregarded the opinion of her treating physician, she called Fields Disability for help. Our attorneys reviewed our client’s extensive medical record and determined that the insurer had ignored key medical reports throughout the process, and never conducted a medical examination of their own. Fields Disability filed a law suit in federal court to pursue benefits for our client. During the preparations for trial, our attorneys were able to negotiate a generous settlement for our client which included back-pay of benefits and continuing long-term disability benefits. Our client is relieved that she can focus on her own health, and is happy with the settlement she received.”

Teacher - Eastman, GA

Back Pain, Leg Pain, Foot Pain, Complications from Back Surgeries, Arthritis in Knees

“A teacher from Georgia had complications from back surgeries and arthritis that prevented her from working. She received long-term disability benefits in 2011 from her insurer, Guardian, which she used to pay for in-home care three times a week. After five years of receiving benefits, and without any medical review, Guardian sent a letter explaining she was no longer eligible to receive disability benefits.

Overwhelmed and frightened that she would no longer be able to pay for the care she needed, the teacher contacted Fields Disability to help file a strong appeal against Guardian Insurance. Our attorneys obtained records from multiple doctors and care providers to create a strong medical narrative, and build the best case for our client.

The attorneys successfully argued that benefits should never have been denied, and the appeal administrator awarded back-pay and continued benefits for our client. Our client was pleased with the single point of contact she had at Fields Disability, and was relieved to be able to afford the treatment she needs.”

Senior Process Engineer - Lorain, OH

Chronic Low Back Pain, Lumbar Post-Laminectomy Syndrome

“Our client was a Senior Process Engineer from Ohio who suffered from chronic low back pain and lumbar post-laminectomy syndrome. He was taken off of work by his doctors and applied for Long Term Disability benefits through his employer’s plan. Originally, the insurer approved his benefits. However, after the definition of disability changed the insurance company discontinued benefits asserting there were various occupations he could perform.

Our team at Fields Disability drafted a strong appeal that exposed numerous errors in the insurer’s review and denial of benefits. The insurance company forced us to bring a lawsuit in federal court on behalf of our client after continuing to deny his benefits. In the end, we were able to recover a lump sum settlement for our client without having to go to court.”