Short & Long Term Disability Cases We’ve Won for Our Clients in Massachusetts
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 and lawsuit case wins in Massachusetts.
Neal – Die Grinder – Rochdale, Massachusetts
Back Pain, Failed Back Surgery, Rotator Cuff Tear
An Industrial Die Grinder from Massachusetts tore his rotator cuff at work. He applied for Long Term Disability benefits, but there was a 365-day waiting period before benefits would be paid. After the waiting period expired, Guardian denied benefits, saying that the application was received two days after his disability had begun so he was not covered by the policy.
Upset at the insurer and his lost income, he called Fields Law for help. Our attorneys drafted a strong two-part appeal. The first part was entirely procedural: Guardian was reading its own policy wrong with regards to coverage. The second part was based on the strength of the medical record: our client was clearly disabled. Guardian reversed its denial decision. Our client received a lump-sum payment for back pay and ongoing monthly benefits.
Tim – Technology Manager – Stoughton, Massachusetts
Radiation Ribrosis
A man from Massachusetts was diagnosed with cancer as a young man. He underwent radiation and chemotherapy to treat the cancer. Fortunately, the treatment was a success and he was cancer free for many years. Unfortunately, the treatment side effects left him with a multitude of problems from severe fatigue, pain, and other problems. After working several years, his physical condition no longer allowed him to perform his job. His Long Term Disability insurer denied his claim for benefits arguing he did not meet the definition of disabled.
Not knowing what to do, he found the attorneys at Fields Law Firm. Our attorneys drafted a strong appeal of the denial. The insurance company again denied the claim and our attorneys immediately filed a lawsuit in federal court. They were then able to negotiate a settlement with the insurance company.
Wayne – Route Sales Manager – Attleboro, Massachusetts
Low Back Pain, Neck Pain, Shoulder Pain
A Route Sales Manager with low back pain, neck pain, and shoulder pain stopped working because he was unable to keep up with the demands of his job. His claim was paid for the entire Own Occupation period of the policy, but when the definition changed to Any Occupation, the insurer denied continuing benefits. The insurance company said the man had a significant amount of function left. He hired Fields Law Firm to sue the insurance company in federal court, and our attorneys negotiated a sixable settlement for our client.
