Short & Long Term Disability Cases We’ve Won for Our Clients Liberty Mutual

A securities analyst from Illinois began having bouts of dizziness and vertigo. She would experience intense migraines as well. Her doctor diagnosed her with Meniere’s Disease, an inner ear condition, and recommended she stop working. Liberty Mutual approved an application for Long Term Disability benefits but, after paying seven months of benefits, the payments stopped because the insurer said she no longer fit their definition of disabled.

Shocked at the decision and still unable to work, she called Fields Law for help appealing the decision. Our support team gathered all of our client’s treatment records and obtained the claim file from Liberty Mutual. The Fields Law attorneys reviewed the records and ordered additional narrative reports from our client’s treating physicians that supported her claim. When the evidence was strengthened, our attorneys sent the insurance company a strong appeal that underscored the medical records and applicable law. Liberty Mutual overturned the denial decision, paid our client a lump-sum for backpay, and granted ongoing benefits.

An assistant manager at a retail store was experiencing serious back pain and her doctor recommended physical therapy and spinal injections to help with the pain. After numerous treatments, her symptoms had not improved. Her job required long shifts and lifting boxes of goods for retail storage and display. She could no longer work due to her painful symptoms, so she applied for Long Term Disability benefits through her insurer. Her claim was denied, however, their denial letter did not address her level of pain at all.

Upset that her insurer was not considering her whole condition, she called Fields Law to assist with an appeal. Our attorneys contacted our client’s doctors to get a complete narrative of symptoms and our client’s pain levels. The attorneys at Fields Law submitted the appeal and, thanks to the strong documentation from our client’s doctors, she was awarded back pay and continuing benefits for one year. She is relieved for the financial peace of mind our attorneys worked to obtain on her behalf.

A Phlebotomist from Illinois began to suffer from the effects of focal dystonia. She had lost the use of her dominant hand. Because of her condition, she was unable to continue working. Her Long Term Disability insurer initially accepted her claim and paid benefits for two years. Her claim was later denied with Liberty Mutual claiming that she had the functional capacity to perform certain occupations.

Scared and not knowing how to fight the insurance company, she reached out to Fields Law. The attorneys at Fields Law began by updating her medical records to provide Liberty Mutual with the full scope of our client’s condition. Once all the necessary records and reports were obtained, we drafted a winning appeal which led Liberty Mutual to overturn their denial and reinstate benefits.