Sedgwick Disability Denial Attorney

No Fee Unless We Win. Period.

Every year, countless Americans find themselves suddenly unable to work. Whether it’s the result of an accident, physical injury, or mental disability, finding yourself unable to earn an income is equal parts frustrating and frightening.

As one of the world’s leading third-party administrators (TPA), Sedgwick works alongside insurance companies to manage and investigate worker disability claims. They review medical records, policy language, and employment documentation, ultimately delivering judgement on thousands of disability cases each year.

Because Sedgwick operates under strict policy definitions and documentation requirements, many legitimate Long Term Disability (LTD) claims are denied on technical grounds. That leaves thousands of claimants each year without the benefits they were counting on.

If you’ve recently been denied disability benefits from Sedgwick, Fields Law’s disability claim appeal attorneys can help you understand the reasons for your denial and take the next step

Why Does Sedgwick Deny Long Term Disability Claims?

Sedgwick isn’t an insurance provider itself, but it is used by some of the largest insurers in the world to directly investigate Long Term Disability and other claims.

Insurers evaluate disability claims based on the terms of the policy and the supporting documents provided.

That means they often focus on finding technicalities that can be used to disqualify a claim. Some of the easiest disqualifiers are Incorrectly filled applications or missed submission deadlines.

Other claims lack sufficient medical documentation to prove a disability’s effect on work availability.

Sometimes the language in a policy can be used against you. Policies tend to have strict definitions of what the insurer qualifies as a disability. Conditions that don’t fit neatly within their predefined definitions are usually denied.

Even a claimant’s social media posts can trigger a denial if their posts show them engaging in activities that run counter to their disability.

If any of these reasons have been given for your denial, a Sedgwick-experienced disability claim appeal lawyer can help you challenge their decision.

How a Long Term Disability Attorney Can Help You Appeal Your Sedgwick Claim

The onset of a disability has already left you feeling vulnerable. Receiving a denial letter from Sedgwick when you’re expecting help can be completely demoralizing. But the worst thing you can do is accept their decision without an appeal.

Help is available. A disability claim appeal lawyer who understands how Sedgwick works is an important resource when preparing your appeal.

Fields Law’s disability claim appeal lawyers have represented thousands of clients nationwide to pursue available disability benefits. Together, we can help you understand why you were denied, and begin building your appeal case.

Challenging their decision begins by deconstructing your denial letter. Our team will review the reasons for your denial and prepare an appeal that directly addresses them.

That means ensuring your appeal documents are accurately submitted within deadlines, and gathering medical records and statements from treating physicians and vocational experts.

Understanding ERISA and Sedgwick Disability Appeals

Most Long Term Disability policies provided by employers are subject to the Employee Retirement Income Security Act (ERISA). ERISA is a federal law that governs how employee benefit plans are administered, including disability insurance policies.

As part of the specific process for reviewing and deciding claims, ERISA gives policy holders the right to file an administrative appeal when their claim has been denied. But that appeal must come within a strict timeline. Missing the appeal deadline can mean the end of your case.

For that reason, many claimants choose to work with a Long Term Disability attorney to help them prepare their appeal within ERISA deadlines.

The ERISA appeal process has one other crucial component: it determines what evidence will be allowed in court if the claim proceeds to litigation. That makes the involvement of a Long Term Disability claim attorney extremely helpful in gathering and preparing all documentation necessary.

Fields Law focuses on creating an appeal that creates a detailed record of your disability. That often includes medical records and statements from your physician and vocational experts that explain how your condition affects your ability to work. This covers as much ground as possible for your appeal or in the event of a lawsuit against Sedgwick for disability denial.

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Sedgwick LTD Appeal Lawyer: The Fields Law Approach

For 25 years, Fields Law attorneys have helped clients nationwide understand their options and protect their rights through Long Term Disability appeals.

Our approach is simple. We break down your appeal into four distinct phases:

Case Review and Strategy Building

The first step in building a successful disability appeal is understanding why you were denied in the first place. Your denial letter holds that information. Our Sedgwick LTD appeal lawyers will analyze your disability denial letter against your actual policy and claim file. We’ll identify the specific reasoning Sedgwick gave for your denial, and prepare a customized strategy that counters it.

Image of two people (from neck down) reviewing a contract.

Medical Evidence Collection

Your appeal must have a solid backing of medical evidence that demonstrates how your disability impacts your ability to work. We collaborate with your doctors and care givers to gather the medical and vocational evidence to support your case for disability.

A woman sitting at a desk highlighting some paperwork

Submit the Appeal

Once you’ve received a denial letter, you have a limited window to appeal under ERISA law. Fields Law’s disability claim appeal lawyer will professionally prepare your Sedgwick appeal within the appropriate time frame. We’ll make sure that your appeal is error free, and backed with supporting evidence so there are no technical reasons to deny you again.

Sedgwick Lawsuit for Disability Denial When Necessary

If your claim continues to be denied in spite of strong supporting evidence, our team of Sedgwick disability claim appeal lawyers are prepared to represent you in court if necessary.

You’re already struggling with the reality of your disability. You shouldn’t have to struggle with your claim on top of it.

Real Clients, Real Results: Examples of Past Sedgwick Long Term Disability Appeals

Fields Law works efficiently to help our clients denied LTD benefits by Sedgwick get legal help with their appeals.

We’ve helped clients:

Appeal disability denials and pursue available benefits.
Pursue back-pay or lump-sum payments in certain cases.
Appeal benefits terminations and seek reinstatement of benefits when possible.

Below are just a few examples of Fields Law’s experience with Sedgwick disability appeals:

Successful Appeal of Denial

Cara — Investigative Manager — East Lansing, Michigan

Disability: Anxiety, Depression, Chronic Migraines, Insomnia

Problem: An investigative manager for the State of Michigan developed multiple severe mental health symptoms due to ongoing chronic migraines. Unable to continue working, she applied for Long Term Disability benefits from Sedgwick. Unfortunately, her benefits were denied by the insurer.

Success—Denial Overturned: Cara sought Fields Law’s help to appeal the decision. Our Sedgwick disability claim appeal lawyers began preparing her appeal, including gathering updated medical records and detailed letters of support from Cara’s treating providers. The team then wrote a lengthy appeal addressing the points raised in the insurer’s denial. Sedgwick reviewed the new evidence and overturned their prior determination. They issued a check for backpay and began paying monthly benefits.

Successful Appeal of Denial

Bruce — Floor Supervisor — Eagle Lake, Minnesota

Disability: Degenerative Disc Disease, Heart Disease, Knees, Hips, Narrowing Cranial Blood Vessels

Problem: A floor supervisor for a food services company in Minnesota developed severe joint issues over the course of his career. Unable to continue working, he applied for Long Term Disability benefits from Sedgwick. However, the insurer denied his claim, asserting that his medical records did not support restrictions to prevent him from returning to work.

Success—Denial Overturned: Bruce retained Fields Law to appeal the decision. The Fields Law team gathered his updated medical records and crafted an appeal. After review, Sedgwick overturned their denial. They issued payment for back benefits and began making monthly payments once again.

Benefits Reinstated

Melissa – Retail Manager – Saint George, Utah

Disability: PTSD, Panic Attacks, Insomnia, Chronic Fatigue, Depression

Problem: A Retail Manager from Utah, Melissa began having severe PTSD which resulted in severe anxiety, depression, and recurring panic attacks. She was forced to stop working. She applied for Short Term Disability benefits and was approved for a few months. But Sedgwick suddenly stopped paying, arguing that she could return to work.

Success—Benefits Reinstated: Concerned about her lost income, Melissa called Fields Law for help. Our team obtained the claim file from Sedgwick and found that they had overlooked key medical records. The Fields Law attorneys drafted a strong appeal to Sedgwick that laid out the factual and legal arguments that showed Melissa was indeed disabled from work. Sedgwick changed its decision and our client received a lump-sum check for back-pay and ongoing monthly benefits.

7200

cases won nationwide

2220

lawsuits filed

$32755281

in benefits recovered last year alone

See the full list of our case wins and lawsuit results here

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Denied LTD Benefits by Sedgwick? Fields Law Can Help You Appeal

Receiving a disability denial from Sedgwick can feel emotionally devastating, but it is possible to appeal their decision.

The attorneys at Fields Law represent clients nationwide in Long Term Disability appeals against Sedgwick and other major insurers. While results vary based on the specifics of each case, Fields Law has helped many clients across the country navigate the claims and appeals process.

Don’t let a disability denial stop you from pursuing available benefits. Fields Law offers free case consultations designed to help you evaluate your options.

Local Experience. National Reputation.

Successfully representing clients in all 50 states has given us a depth of local experience and a national reputation of winning for our clients

Nationwide Long Term Disability Insurance Claim Attorneys

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No Fee Unless We Win. Period.

Why Does Sedgwick Deny Long Term Disability Claims?

How a Long Term Disability Attorney Can Help You Appeal Your Sedgwick Claim

Understanding ERISA and Sedgwick Disability Appeals

Sedgwick LTD Appeal Lawyer: The Fields Law Approach

Case Review and Strategy Building

Medical Evidence Collection

Submit the Appeal

Sedgwick Lawsuit for Disability Denial When Necessary

Real Clients, Real Results: Examples of Past Sedgwick Long Term Disability Appeals

Successful Appeal of Denial

Cara — Investigative Manager — East Lansing, Michigan

Successful Appeal of Denial

Bruce — Floor Supervisor — Eagle Lake, Minnesota

Benefits Reinstated

Melissa – Retail Manager – Saint George, Utah

Denied LTD Benefits by Sedgwick? Fields Law Can Help You Appeal

Local Experience. National Reputation.

Nationwide Long Term Disability Insurance Claim Attorneys

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