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

A man working as a mixer driver for a concrete company became disabled from doing this job due to chronic back and bilateral knee pain. His diabetes, hypertension, and sleep apnea also contributed to his disability. The insurance company initially paid him Long Term Disability benefits. However, AIG abruptly discontinued his benefits based on an Employability Assessment it conducted, which stated that our client could perform gainful employment based on his lack of restrictions and limitations, as well as his education, transferable skills, work history and residual capacity.

The disabled worker sought out Fields Law Firm for assistance in his appeal. Our team was able to spot critical errors made by AIG when it discontinued our client’s benefits. In preparing the Employability Assessment, the insurance company had based the analysis of his workability on a misleading report from a doctor. This doctor had released our client to work with no restrictions, but he only based his decision on the resolution of a temporary shoulder injury our client suffered from. The doctor did not consider our client’s disabling conditions, for which he was approved for benefits in the first place.

The Fields Law attorneys prepared a strong appeal exposing the insurance company’s mistakes, leaving AIG no choice but to reverse its decision and reinstate our client’s Long Term Disability benefits.

An aircraft mechanic found Fields Law Firm after searching for assistance with is Long Term Disability Benefits. He had developed degenerative arthritis leading to bilateral total knee replacement surgery. Needless to say, he could no longer work. He received benefits for approximately two years, when CIGNA told him his condition had improved enough to return to work at several sedentary jobs.

He hired Fields Law to help with his appeal and we started collecting medical records, soon securing a supportive report from the treating doctor. We submitted the medical records and report to the insurance company along with a memorandum outlining our client’s legal rights under the statute governing the policy. After a brief review, CIGNA reversed its decision to deny benefits and started paying our client’s claim. He was very pleased with the result and decided to hire Fields Law to manage his claim on an ongoing basis to prevent further wrongful denials.

A 59 year-old maintenance repair technician became disabled after suffering a stroke. His job required him to perform heavy lifting and look after heavy equipment. His insurer paid his claim for the entire Own Occupation period. However, when the definition of disability switched to Any Occupation, his benefits were denied.

He hired Fields Law to appeal the decision amd our attorneys reached out to the medical staff at our client’s primary care clinic and requested a narrative report documenting the severe ongoing neurological issues. This report was submitted with updated medical records and legal arguments arguing our client’s case. His insurer reinstated benefits after receiving the documentationand he was able to continue treating for his condition with the financial burden of the denial behind him.