Short & Long Term Disability Cases We’ve Won for Our Clients in Massachusetts

A finance department coordinator in Massachusetts developed fibromyalgia, fatigue, and chronic back pain that ultimately made continued work impossible. Long Term Disability benefits were initially approved and paid for about a year, but Principal later terminated benefits without warning. After an appeal, benefits were reinstated, only to be terminated again the following year.

The Fields Law team reviewed the full medical history and identified that the termination was improper under the policy and supporting medical evidence. Our attorneys moved quickly to prepare a detailed appeal, compiling extensive medical records and securing statements from treating physicians confirming an ongoing inability to work. With the appeal submitted and supported by clear documentation, Principal reversed its decision, reinstated monthly benefits, and issued back pay.

An Industrial Die Grinder from Massachusetts tore his rotator cuff at work. He applied for Long Term Disability benefits, but there was a 365-day waiting period before benefits would be paid. After the waiting period expired, Guardian denied benefits, saying that the application was received two days after his disability had begun so he was not covered by the policy.

Upset at the insurer and his lost income, he called Fields Law for help. Our attorneys drafted a strong two-part appeal. The first part was entirely procedural: Guardian was reading its own policy wrong with regards to coverage. The second part was based on the strength of the medical record: our client was clearly disabled. Guardian reversed its denial decision. Our client received a lump-sum payment for back pay and ongoing monthly benefits.

A man from Massachusetts was diagnosed with cancer as a young man. He underwent radiation and chemotherapy to treat the cancer. Fortunately, the treatment was a success and he was cancer free for many years. Unfortunately, the treatment side effects left him with a multitude of problems from severe fatigue, pain, and other problems. After working several years, his physical condition no longer allowed him to perform his job. His Long Term Disability insurer denied his claim for benefits arguing he did not meet the definition of disabled.

Not knowing what to do, he found the attorneys at Fields Law Firm. Our attorneys drafted a strong appeal of the denial. The insurance company again denied the claim and our attorneys immediately filed a lawsuit in federal court. They were then able to negotiate a settlement with the insurance company.