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.
See how we’ve handled Guardian long-term disability claimssuccessfully.
Here are just a few examples of our Long Term Disability appeal case wins against Guardian.
Sherri – Occupational Therapist – Cape Coral, Florida
Lymphocytic Colitis
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.
David – Long Haul Trucker – Bakerfield, California
Lumbar Stenosis
A Long Haul Trucker from California developed severe low back pain that rendered performance of his work duties impossible. Luckily, he had recently elected disability coverage through his employer. He submitted his claim, however, Guardian denied benefits stating his conditions were pre-existing. However, he had clearly not treated for his low back during the period of time in question.
On appeal, the Fields Law attorneys compiled medical information to unequivocally show that our client did not treat for his low back conditions during the time period in question. After review of the appeal, Guardian approved the claim and our client received a check for all past-due benefits.
Dale – Trucker – Leeds, Alabama
Syncopal Episodes
An over-the-road trucker from Alabama began experiencing syncopal episodes. His doctors had no idea what was causing the episodes, but knew he simply could not continue driving his truck. He received benefits from his Long Term Disability insurance carrier for several months. However, he received a denial about a year into the claim. Guardian claimed that he had failed to submit ongoing proof of his disability.
He found Fields Law Firm after searching for help online. We collected medical records and a letter from his doctor explaining the dangers of our client operating any vehicle. We submitted the medical records and letter to Guardian along with a memorandum outlining our client’s legal rights under the statute governing the policy. After review, Guardian reversed its decision to deny benefits and started paying our client’s claim.
