Short & Long Term Disability Cases We’ve Won for Our Clients Against Guardian
Fields Law Firm successfully recovers millions of dollars each year for our disabled clients throughout the United States. Our Long Term Disability experience is matched by very few other law firms in the country and has earned us a national reputation.
Here are just a few examples of our Long Term Disability appeal case wins against Guardian.
Mason – Director of Environmental Services – Mableton, Georgia
A Director of Environmental Services became disabled after undergoing a failed lumbar fusion surgery. The back pain made his daily life miserable. His symptoms kept him from focusing at work and made him change positions continuously. His insurer paid Short and Long Term Disability benefits for about two years. Unfortunately, Guardian denied his benefits when they determined he could return to work at his own occupation.
He hired Fields Law to fight the wrongful denial. Our attorneys secured disability paperwork from our client’s treating doctors. The appeal was submitted to the insurer along with legal arguments regarding our client’s ability to maintain a full-time work schedule. Guardian sent our client to an Independent Medical Examination where the examiner concluded he would be able to perform the duties of his own job. Our attorneys forwarded the results of the IME to our client’s treating doctor for comment. The treating provider disagreed with the so-called independent doctors opinions, and Guardian had no choice but to reinstate our client’s benefits.
Kristin – Teacher – Eastman, Georgia
A teacher from Georgia had complications from back surgeries and arthritis that prevented her from working. She received Long Term Disability benefits from her insurer for many years, which she used to pay for in-home care three times a week. After five years of receiving benefits, and without any medical review, Guardian sent a letter explaining she was no longer eligible to receive disability benefits.
Overwhelmed and frightened that she would no longer be able to pay for the care she needed, she contacted Fields Law to help file a strong appeal. Our attorneys obtained records from multiple doctors and care providers to create a strong medical narrative and build the best case for our client. Our attorneys successfully argued that benefits should never have been denied, and the appeal administrator awarded back-pay and continued benefits. Our client was pleased with the single point of contact she had at Fields Law and was relieved to be able to afford the treatment she needs.
Sherri – Occupational Therapist – Cape Coral, Florida
An occupational therapist from Florida was diagnosed with lymphocytic colitis. The disease resulted in urinary and fecal incontinence, diffuse joint pain, and severe fatigue. She was no longer able to perform her job as an occupational therapist. Her Long Term Disability insurer paid her benefits agreeing she was disabled from her Own Occupation. However, when the definition of disability changed to Any Occupation , her insurer denied the claim asserting that she had the functional capacity perform sedentary work.
She decided to hire Fields Law and her attorney collected substantial evidence from her medical providers showing she was unable to work in any capacity. The insurance company performed a review and agreed our client continued to be disabled from Any Occupation. Our client was relieved with the outcome and was able to pay off the debts she had amassed while her benefits were cut off.
