Has your Madison National Life disability claim been denied? You may be eligible for an appeal.

Disability: Major Depressive Disorder, PTSD, Generalized Anxiety Disorder, Bipolar Disorder, ADHD, Substance Abuse Disorders

Problem: A teacher in Minnesota, Deana suffered from major depressive disorder, PTSD, generalized anxiety disorder, bipolar disorder, and ADHD could not work for an extended period. She applied for Madison National Life Long Term Disability benefits, but they denied the claim upon initial application stating that the documentation did not support total disability.

Success—Denial Overturned: Deana turned to Fields Law for assistance. The Fields Law team gathered supportive documentation, including medical evidence and opinion letters from her medical providers, and submitted an administrative appeal challenging the denial. After reviewing all the additional information, Madison National reversed the initial decision. While the appeal was pending, her conditions improved, and she returned to work. Madison National paid her disability benefits for a closed period for the time that she had been disabled and unable to work.

Disability: PTSD, Alcohol Use Disorder, Degenerative Left Hip Disorder, Multi-level Degenerative Disc Disease, Disc Bulges, Nerve Root Compression

Problem: A Police Officer in Minnesota was in an officer involved shooting and developed severe PTSD which, alongside an ongoing degenerative disc disorder, ultimately forced him out of work. He applied for Long Term Disability benefits, but received a Madison National Life disability denial letter for his benefits claim, stating that his conditions didn’t prevent him from doing his job.

Success—Denial Overturned: Knowing he needed help, he retained Fields Law Firm to fight for his benefits. Our team requested updated documentation and supportive reports from his treating providers. The managing attorney wrote an appeal critical of the reasoning for their denial with additional supportive documentation. After months of reviewing the appeal, the insurer overturned the denial. Our client was paid for all past due benefits, and was reapproved for ongoing benefits.

Disability: Bilateral Knee Problems

Problem: Dennis, a custodian who worked at a public school, suffered from bilateral knee problems after falling on ice. After initially approving his Madison National Life disability benefits, the insurance company later argued that the custodian was able to perform a sedentary or light job, and therefore, was no longer entitled to benefits. Madison National based its decision on results of a functional capacity evaluation that was never even conducted.

Success—Denial Overturned: Dennis turned to Fields Law Firm to represent him in appealing the erroneous decision. Our team prepared an appeal by gathering evidence to show that he is precluded from performing the substantial and material duties of any job. This meant obtaining support from his doctors and a vocational expert. Fields Law was successful in our appeal, and Dennis was awarded his benefits. He was relieved knowing that he had financial security, despite his inability to work.