Short & Long Term Disability Cases We’ve Won for Our Clients Against The Hartford
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 The Hartford.
Heather – Sales Manager – Noblesville, Indiana
Post-Concussion Syndrome
A sales manager in Indiana developed post-concussion syndrome after a car accident and could no longer meet the demands of the job. Long Term Disability benefits were initially approved, then terminated after eight months. After a favorable appeal, benefits were reinstated, but The Hartford stopped payments again about 10 months later, asserting the policy definition of disability was no longer met.
The Fields Law attorneys stepped in to build a detailed, documentation-driven appeal. The team obtained complete medical records and secured written statements from treating physicians confirming work limitations. With that support in place, the Fields attorneys prepared a focused appeal memorandum addressing The Hartford’s rationale and the policy requirements. The insurer reversed its decision, reinstated monthly benefits, and issued back pay for missed payments.
Phillip – Semi Truck Driver – Alexandria, Indiana
Heart Disease
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.
Darin – Chemical Compliance Tester – Indianapolis, Indiana
Cognitive Decline, Seizure Disorder, Brain Injury Post-Car Accident
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.
