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

A Real Estate Sales Comparable Analyst from Missouri worked for several years before she stopped working due to her constant dizziness, joint pain, major anxiety, and major depressive disorder. After the expiration of her Short Term benefits, she became eligible for Long Term Disability benefits from her policy’s carrier. She was initially approved for Long Term Disability benefits; however, Sun Life Financial terminated her benefits, indicating no benefits were payable because she did not meet the Definition of Disability. She was specifically denied because there was a lack of medical evidence to support her inability to perform the material and substantial duties of her Own Occupation as a Real Estate Sales Comparable Analyst.

After receiving the denial letter from Sun Life Financial terminating her benefits, she contacted the attorneys at Fields Law Firm to assist her in her appeal. The attorneys at Fields Law contacted our client’s doctors to compile reports of all of her symptoms and treatments and submitted a comprehensive appeal to Sun Life Financial. After receiving the appeal, they overturned their previous decision and paid all the outstanding Long Term Disability benefits immediately.

A Computer Support Specialist from Missouri had been suffering from severe disabling abdominal pain and joint pain secondary to her chronic Crohn’s conditions. Because of the chronic pain these conditions caused, she was forced to leave work on doctor’s recommendations. She applied for Long Term Disability benefits, which were denied at application. The Standard had obtained a questionnaire completed by her shoulder surgeon who was unfamiliar with her Crohn’s conditions. The surgeon stated that she had fully recovered from her shoulder surgery and was therefore capable of returning to her sedentary computer support specialist job.

Knowing she needed help to maintain her income, she contacted the attorneys at Fields Law. The team at Fields Law requested The Standard’s claim file and thoroughly reviewed the internal notes for flaws in their analysis, requested letters of support from our client’s doctors and put together an appeal of The Standard’s denial decision. Further, Fields Law attorneys coordinated with our client’s providers and obtained updated medical records. When the appeal was submitted, the updated records obtained more than doubled The Standard’s original claim file. With the updated medical records submitted in support of our client’s appeal, they were forced to eventually approve the Fields Law appeal and continue to pay our client’s disability benefits.

A dialysis technician from Missouri experienced escalating back pain after fusion surgery. She was on her feet all day for work, and her symptoms made work impossible. For a while, she received disability benefits from her employer provided insurance plan, but the payments suddenly stopped because The Hartford said her condition was pre-existing and not covered by the policy.

Worried about her lost income, she called Fields Law for assistance. Our support team reached out to The Hartford for a complete copy of the claim file. While receipt of the claim file was pending, our attorneys began drafting an appeal of the decision based on medical evidence. The first appeal was unsuccessful, but our team diligently pushed for the entire claim file and Fields Law attorneys discovered that The Hartford was misinterpreting their own policy provisions. We filed a second appeal and The Hartford relented. Our client received a lump sum payment for back-pay and ongoing monthly benefits. She is very happy with the diligent representation from Fields Law Firm.