Short & Long Term Disability Cases We’ve Won for Our Clients Against Various Insurers
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 various insurers.
Richard – Instrument Technician – Dover, Delaware
Tibial Dysfunction, Bilateral Foot Arthritis, Bilateral Knee Osteoarthritis, Degenerative Joint Disease of the Knees, Hypertension, Congestive Heart Failure, Sleep Apnea
An Instrument Technician from Delaware suffered from tibia dysfunction, bilateral foot arthritis, bilateral knee osteoarthritis, degenerative joint disease of the knees, hypertension, congestive heart failure and sleep apnea. After being taken off work by his doctors he applied for Long Term Disability benefits through his employer’s plan. Originally, CIGNA approved his benefits, but then discontinued them asserting his conditions had sufficiently improved such that benefits were no longer payable. This occurred shortly after he was approved for Social Security Disability benefits.
He reached out to Fields Law Firm for help appealing this decision. Our attorneys drafted an appeal that established CIGNA had relied upon selective evidence that misstated our client’s work restrictions and limitations and the required abilities of his occupation. Additionally, we received narrowly tailored narrative reports from our client’s treating doctor’s outlining his actual limitations and restrictions, which clearly make it impossible for him to perform his own occupation. After reviewing our appeal, CIGNA reversed its denial, paid our client his back pay, and recommenced monthly benefit payments.
Tamitha – Internship/Externship Coordinator – Wilmington, Delaware
Severe Asthma
An Internship/Externship Coordinator for a technical college in Delaware suffered from severe persistent asthma. Her Short Term Disability insurer, CIGNA, initially accepted her claim. One month later, they denied the claim. Their denial claimed that the medical information available did not provide clinical findings that would preclude her from working.
Not sure what she should do, she reached out to Fields Law. After completing his review of our client’s file from CIGNA, our attorneys developed a plan to fight the denial. We updated medical records and obtained a report from the client’s treating pulmonologist which stated that her asthma was rated at an AMA Class 4D, which is significant.
Our attorneys appealed the denial and CIGNA reversed their decision and reinstated the client’s benefits and paid all the past-due benefits. Our client was extremely relieved and grateful to have her sole source of income back.
Shelly – Special Education Support Specialist – Lewes, Delaware
Back Pain, Disc Displacement Degeneration
An education support specialist from Delaware began experiencing back pain. Her job required bending, lifting, and interacting with students. Eventually the pain became too much and she was forced to stop work. Her insurance company initially approved her for Short Term Disability benefits, but after a few months the disability payments stopped. The insurance company said she no longer fit their definition of “disabled.” Her doctors wrote CIGNA letters in response to no avail.
Worried about her lost income she contacted Fields Law for help. The Fields Law attorneys gathered documents from the insurance company and our client’s doctors to build the best case for our client. Our attorneys sent a strong appeal to CIGNA, highlighting doctor’s reports that were previously overlooked. CIGNA overturned their decision and our client received ongoing benefits and a lump sum payment for back-pay. Our client was happy with the decision, and was pleased with the service Fields Law provided.
