Principal Disability Denial Attorney

No Fee Unless We Win. Period.

Don’t let a denial leave you feeling hopeless. Fields Law can help you appeal a Principal disability insurance decision.

When you purchase Long-Term Disability (LTD) insurance from Principal Financial Group, you expect to receive security and protection when health issues prevent you from working for an extended period of time.

But Principal disability claim denials are all too common, leaving many without benefits when they need them the most.

However, being denied disability benefits from Principal doesn’t mean you’re out of options. It means your fight is just beginning.

If you’ve recently received a denial, Fields Law is here to offer expert guidance through the entire Principal insurance disability appeal process.

The Key Reasons for Principal Disability Claim Denials

Principal Financial Group is one of the nation’s leading insurance providers, and as such you’d expect them to honor the insurance policies their customers purchase.

But all too often, complex policy language, strict deadlines, and technical errors make it unlikely for clients to have a disability claim approved the first time around.

The reality is that insurers like Principal receive hundreds of thousands of disability claims each year. The sheer number of claims received means that it is in their best financial interest to deny as many claims as possible, even when a client’s disability is unmistakable.

Insurance providers don’t shy away from finding any excuse, including technical or procedural errors to deny your claim. They’re hoping that being initially denied disability benefits from Principal leaves you so distraught that you won’t even bother to pursue an appeal.

Fields Law is here to tell you that we won’t let you go down without a fight.

The key is to understand why Principal denied your disability claim in the first place. Only by understanding the why, can we formulate a plan to overcome the denial.

Some of the most common reasons for receiving a Principal long term disability denial include:

Lack of medical evidence: Principal will want extensive medical evidence that describes your disability and its impact on your ability to work. Without this key evidence, a denial is likely.
Missed deadlines: There are strict deadlines throughout the process of filing for disability. Miss one, and Principal will quickly deny your claim.
Paperwork errors: Just like with missed deadlines, an incorrectly filled claim application is an easy excuse to deny your claim.
Restrictive definitions: Insurers routinely use very strict definitions of “disability” and if you don’t fit cleanly, you risk being denied.
Social media activity: Like it or not, insurers like Principal often scour your social media accounts to find perceived evidence to contradict your disability claim.
Outdated job descriptions: They may argue that your disability doesn’t prevent you from working, or that you could hold “any occupation”, even if it’s not related to your primary career path.
Contradicting medical reviews: Insurers often use in-house physicians to override the diagnosis of your treating physician.

These tactics may not be fair, but Principal uses them every day to delay, deny, or minimize payouts to their clients.

Don’t let a Principal denial cause you to lose hope. Fields Law can help you even the odds and build a powerful appeal, backed by strong medical and vocational evidence, that can get you the benefits you deserve.

How Fields Law Helps With Your Principal Financial Disability Appeal

Under strict ERISA (Employee Retirement Income Security Act) deadlines, there is only a small window of time to appeal a Principal disability insurance decision. That means once you’ve received a denial letter, the clock is already ticking.

To counter the teams of attorneys and claims specialists who are actively working to minimize Principal’s payouts, you need an experienced legal partner who can help you formulate and file an appeal within the allotted time frame.

With nationwide representation, Fields Law has helped thousands of people just like you successfully navigate the Principal insurance disability appeal process and get their benefits.

Fields Law provides:

Skilled legal partners who know Principal’s tactics—and how to counter them
In-depth review of your denial letter to uncover Principal’s reasoning for your denial
Gathering of supporting medical documents and statements from treating physicians
Access to vocational experts who can evaluate the impact of your disability on your work life
Timely and accurate filing of appeal documentation that meets all Principal and ERISA requirements
Ongoing support and clear communication throughout the appeal process
Dedicated representation by our attorneys for Principal disability claims in negotiations, or in court if necessary

Successfully appealing a Principal disability insurance decision is possible, but it requires a plan and the help of an experienced legal partner.

Don’t make the mistake of appealing the decision on your own. Get the help you need from Fields Law.

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Why Choose Fields Law for Principal Disability Insurance Appeal

As one of the nation’s largest disability law firms, Fields Law has gone toe-to-toe with every major insurer in the country, including Principal. We’ve helped recover millions in disability payments for clients around the country, many against Principal.

Our attorneys experienced in Principal long-term disability claims know what it takes to build a successful appeal. We gather detailed medical reports, vocational evidence, and analyze your denial to build a rock-solid case for overturning your denial or getting your benefits reinstated.

As your attorney for Principal disability claims, we follow four crucial steps:

Review and Strategy

We comb the details of Principal’s denial letter, your policy, and your claim file to identify the reasons for Principal’s denial and develop a custom strategy that counters their reasoning.

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

Evidence Gathering

Our Principal disability insurance lawyers collaborate with your doctors and outside experts to gather the supporting medical and vocational evidence needed to support your appeal.

A woman sitting at a desk highlighting some paperwork

Appeal Submission

Our Principal LTD appeal lawyers professionally prepare and file your appeal within strict deadlines, eliminating any potential technical grounds for denial.

Litigation if Necessary

If Principal still denies your claim, Fields Law’s attorneys for Principal disability claims are ready to represent you in court and secure your benefits.

Receiving a Principal disability claim denial can feel like a punch to the gut, but launching a successful appeal is absolutely possible. Our Principal disability denial lawyers have the skill and experience to turn the tides, and get you the benefits you deserve.

Real Clients, Real Results: Fields Law’s Principal Disability Lawyers Deliver Success

Fields Law has served hundreds of clients nationwide with Principal Financial Group disability help. We’ve successfully recovered millions in lost benefits for our clients, and we’re ready to help you next.

We’ve helped clients:

Reverse wrongful denials and recover their benefits.
Obtain lump-sum payments after years of delay.
Restore benefits that were cut off prematurely.

Below are just a few examples of successful Principal Financial disability appeals we’ve won:

Benefits Reinstated

Robert – Car Salesman – Menifee, California

Disability: Complications from Shoulder Surgery, Herniated Discs, Radiculopathy

Problem: A car salesman from California began suffering from shoulder and back pain after a car accident that required him to have shoulder surgery. His symptoms made work impossible. After being approved for Short Term Disability benefits and receiving Long-Term Disability benefits for two years, the insurance company stopped paying because they said he could return to work.

Success – Reinstatement of Benefits: Worried about his lost income, and still struggling with severe pain, he called Fields Law Firm for help. Our team obtained the claim file from Principal and found that they had overlooked key records. The Fields Law attorneys obtained an expert vocational opinion and drafted a strong appeal. Principal reversed its denial decision and our client received a lump-sum payment for back pay and ongoing monthly benefits.

Successful Appeal of Denial

Angela – Medicare MDS Coordinator – Crystal City, Missouri

Disability: Multiple Sclerosis, Fatigue, Short-Term Memory Loss

Problem: A nurse supervisor from Missouri was diagnosed with multiple sclerosis, with symptoms of extreme fatigue and cognition problems and was involved in a car accident because her right leg suddenly went numb. Forced to stop working, she applied for Long-Term Disability but was denied by the insurance company and was told she could return to work.

Success – Denial Overturned: With her symptoms worsening and her income gone, she called Fields Law for help. Our team gathered all our client’s medical records as well as Principal’s file. Our attorneys ordered additional neurologic evaluations, strengthening the evidence, and our attorneys sent a strong appeal to Principal. The denial was overturned, and our client received a lump-sum benefit for back pay and was awarded ongoing monthly benefits.

Successful Reinstatement of Benefits

Nicole – Underwriter – Cottage Grove, Minnesota

Disability: Chronic Degenerative Hip Disease

Problem: An Underwriter from Minnesota who suffered from chronic hip degeneration her entire life was forced to stop full-time work when her condition eventually became too severe. She found a part-time job, was approved for partial benefits, and received benefits for four years. After her case was transferred to a different claims manager, Principal discontinued her benefits and said she could return to full-time work.

Success – Reinstatement of Benefits: Worried about her lost income and still suffering from chronic pain, she contacted Fields Law for help. Our attorneys drafted a strong appeal refuting Principal’s arguments and highlighting our client’s most recent medical treatment. Principal reversed its denial decision. Our client received a lump-sum payment for back pay and her monthly benefits once more.

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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Fields Law: Experienced Principal Long-Term Disability Attorneys

Being denied disability benefits from Principal isn’t fair, but you don’t have to fight your battle alone. Fields Law is here to help you successfully appeal a Principal disability insurance decision and get you the benefits you deserve.

Contact Fields Law now for a FREE consultation. It costs nothing to get your questions answered today, and with our Win-Win Guarantee^®, you pay nothing unless Principal pays you.

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

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