Short & Long Term Disability Cases We’ve Won for Our Clients Against Principal

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.

A finance department coordinator in Massachusetts developed fibromyalgia, fatigue, and chronic back pain that ultimately made continued work impossible. Long Term Disability benefits were initially approved and paid for about a year, but Principal later terminated benefits without warning. After an appeal, benefits were reinstated, only to be terminated again the following year.

The Fields Law team reviewed the full medical history and identified that the termination was improper under the policy and supporting medical evidence. Our attorneys moved quickly to prepare a detailed appeal, compiling extensive medical records and securing statements from treating physicians confirming an ongoing inability to work. With the appeal submitted and supported by clear documentation, Principal reversed its decision, reinstated monthly benefits, and issued back pay.

A clinical trials manager in Maryland developed disabling PTSD, anxiety, and depression that made it impossible to continue working. Although Long Term Disability benefits were initially approved through Principal, the insurer later terminated benefits after only several months, despite no improvement in the documented conditions.

Fields Law attorneys moved quickly to challenge the termination through an administrative appeal, building a detailed record that included extensive medical documentation, treating physician support, and other key evidence. After the appeal submission demonstrated ongoing functional impairment and continued disability, Principal reversed its decision, reinstated Long Term Disability benefits, and issued full back pay dating to the original termination.