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

A retail sales associate in Missouri had to stop working after severe complications from a staph infection and ongoing, debilitating migraines that limited day-to-day functioning. After Sedgwick denied the short term disability claim, the client turned to Fields Law for an organized appeal strategy supported by comprehensive medical records and clear documentation of work restrictions.

Fields Law submitted an initial appeal that resulted in approval for several months of benefits. When the insurer later denied the remaining months based on an unsupported claim that the client had returned to work, Fields Law Firm filed a second, detailed appeal to correct the record and reinforce the evidence. That follow-up appeal led to approval of the remaining short term disability months, along with continued Long Term Disability benefits.

A delivery driver in Missouri underwent multiple neck and back surgeries that made continuing work unsafe and unrealistic. Long Term Disability benefits were paid for two years, but Sedgwick later terminated benefits after the policy’s definition of “disability” changed. Despite ongoing limitations tied to degenerative disc disease, knee pain, arthritis, and a history of stroke, the insurer maintained the position that benefits were no longer payable.

Fields Law moved quickly to protect the client’s income. Our team obtained the complete medical record, reviewed the claim file in detail, and identified multiple instances where Sedgwick mischaracterized key evidence. Fields attorneys then prepared a comprehensive administrative appeal supported by strong documentation and clear analysis. Sedgwick reversed its termination decision, resulting in a lump-sum payment of back benefits and the reinstatement of ongoing monthly benefits.

A Medicare MDS coordinator in Missouri was forced out of work due to multiple sclerosis and related symptoms, including severe pain, fatigue, cognitive decline, and depression. Although benefits were initially approved, Principal later denied coverage and asserted that the medical records no longer supported disability when the policy’s definition of disability changed. Fields Law stepped in to manage the appeal process, organize the evidence, and present a clear, well-supported record that addressed the insurer’s rationale point by point.

The Fields Law attorneys gathered comprehensive medical documentation and secured vocational evidence to clarify how the condition affected real-world work capacity. A detailed vocational report directly contradicted Principal’s position by confirming the individual was disabled from any occupation, not only the prior role. Based on the full record submitted on appeal, benefits were reinstated.