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

A commercial truck driver in Indiana developed serious heart disease that prevented a safe return to work. After applying for Long Term Disability benefits through an employer-sponsored policy with The Hartford, the claim was denied, leaving the household without the income the benefits were intended to replace.

Fields Law conducted a detailed review of the claim file and prepared an appeal ahead of a pending deadline. Due to the complexity of the medical history, the Fields team obtained complete supporting records through focused follow-up and requested multiple deadline extensions to ensure the appeal was fully documented. After the attorney submitted a comprehensive, evidence-driven appeal, The Hartford reversed the denial, and Long Term Disability benefits began immediately.

A chemical compliance tester for an agricultural chemical company in Indiana suffered a serious car accident that resulted in a brain injury, persistent dizziness, cognitive decline, and occasional seizures. Although Short Term Disability benefits were approved and Long Term Disability benefits began, The Hartford stopped payments after about six months, claiming the claimant failed to provide raw data from a psychological examination. All documentation available to the claimant had already been submitted, yet benefits were still discontinued, leaving the claimant without income and facing an unclear, highly specific request.

The Fields Law attorneys reviewed the insurer’s claim file in detail, obtained updated physician reports to strengthen the administrative appeal, and retained a vocational professional to prepare a detailed report addressing work capacity in light of the cognitive and seizure-related limitations. With a comprehensive appeal submission, The Hartford reversed the denial decision. Benefits were reinstated, including a lump-sum payment for past-due amounts and ongoing monthly Long Term Disability payments.

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.