Short & Long Term Disability Cases We’ve Won for Our Clients in Michigan

A Program Specialist for an insurance company in Michigan left work due to developing Graves’ Disease and some additional conditions, which made it impossible to perform her skilled and stressful job. She applied for Long Term Disability benefits. She was initially approved and paid benefits for a year and a half. However, New York Life had one of its “Medical Directors” review the claim. The unnamed Medical Director determined she was no longer limited from performing her own occupation.

She received a denial letter and hired Fields Law to fight the denial on her behalf. Our attorneys secured detailed medical information from our client’s treating doctor showing she was unable to perform not just her own occupation, but any occupation in the national economy. The appeal was submitted with updated medical records and legal arguments supporting our client’s claim. New York Life reversed it’s decision and paid all outstanding benefits. Our client was so impressed with Fields Law Firm, she hired us to represent her against her insurer on an ongoing basis.

A driver for a courier service became disabled when he developed glaucoma and neck pain. As a result, he was unable to work. His insurance company denied his claim for the outset, stating that his conditions fell under a pre-existing condition provision in his policy.

Not sure what he should do, he reached out to Fields Law Firm. Our attorneys researched the effective date of the policy to determine if the pre-existing condition clause was valid. Additionally, we closely analyzed the medical records and determined that, even if the pre-existing clause was valid, our client’s neck pain did not meet the definition of pre-existing. On appeal, Unum reversed their decision and paid all past-due benefits. Our client was very happy that he had a livable monthly income again.

A district sales manager from Michigan suffered a stroke. As a result, she had limited use of the right side of her body as well as difficulty with speech. Her Long Term Disability insurer initially accepted her claim but after three years, New York Life denied the claim. Their denial stated that the medical information available did not prevent her from working a sedentary occupation.

Not sure what he should do, she reached out to Fields Law. Our attorneys ordered updated medical records and obtained statements from our client’s treating doctors. We also had our client undergo a functional capacity evaluation. Armed with all of this evidence, our attorneys drafted a winning appeal. New York Life reversed their decision and reinstated our client’s benefits and paid all the past-due benefits.