Short & Long Term Disability Cases We’ve Won for Our Clients Against Various Insurers

An assistant manager of an auto parts franchise in New Hampshire developed lumbar degenerative disc disease, and eventually had to stop working when low back pain made job duties unmanageable. The Long Term Disability claim with Aetna was approved and paid for several years. After paperwork was submitted late, Aetna arranged for an internal physician file review, and the insurer concluded the client could perform sedentary work and therefore no longer qualified for benefits.

After reaching out for help, the Fields attorneys moved quickly to strengthen the record with updated medical evidence from treating providers and a focused appeal supported by clear legal arguments tied to the policy requirements. With that complete submission in place, Aetna reviewed the appeal and reinstated the client’s Long Term Disability benefits.

A sourcing analyst in Indiana applied for Long Term Disability benefits after stopping work due to serious health conditions, including a stroke, congestive heart failure, hypertension, diabetes, and vocal paralysis. Symetra Insurance Company denied the claim, asserting that full-time work in the regular occupation remained possible.

With income at stake and appeal deadlines approaching, the claimant turned to Fields Law for legal guidance and a clear path forward. The Fields attorneys reviewed the insurer’s claim file and strengthened the record by obtaining targeted medical records and physician reports. After the appeal submission, Symetra Insurance Company overturned the denial and approved the claim, resulting in a lump-sum payment for past-due benefits and ongoing Long Term Disability benefits.

An occupational therapist in Indiana developed significant symptoms, including low back pain, chronic radiculopathy, chronic insomnia, chronic migraines, and chronic inflammatory demyelinating polyneuropathy. A Long Term Disability claim through Cigna was approved, and benefits were paid for more than two years. After Cigna required an examination with a physician of its choosing, the insurer asserted the disabling condition was mental rather than physical and terminated benefits, stating that the plan’s mental health limitation had been exhausted.

Fields Law attorneys prepared a detailed administrative appeal that addressed the insurer’s rationale directly and cited the medical record to confirm a physical basis for the disability. The appeal also included updated medical documentation describing daily symptoms and functional limitations. After review, Cigna reversed the termination, paid past-due benefits, and resumed ongoing monthly payments.