Short & Long Term Disability Cases We’ve Won for Our Clients in Tennessee
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 Tennessee.
Joan – Clinical Manager – Lewisburg, Tennessee
Fatigue, Dizziness, Headaches, Decreased Short Term Memory
A clinical manager applied for Long Term Disability benefits through her insurer after suffering fatigue, dizziness, headaches, and decreased short-term memory, but was denied for benefits. The insurance company first denied her benefits when they determined that she was not eligible for benefits because the documentation did not support the conclusion that she was unable to perform the material and substantial duties of her own occupation as a clinical manager throughout her 180-day elimination period. She appealed this denial on her own and the insurer again denied her claim for Long Term Disability benefits.
Upset with the insurer’s decision to deny Long Term Disability benefits, she called Fields Law for help. The attorneys at Fields Law filed a lawsuit in federal court to fight for our client. During preparation for trial, our attorneys were able to negotiate a generous lump-sum settlement for our client, who gladly accepted the offer.
Keri – HR Manager – Nashville, Tennessee
Avascular Necrosis, Low Back Pain, Osteopenia
A Human Resources Manager from Tennessee was diagnosed with avascular necrosis which caused severe knee pain. Her pain impacted her gait and what started as knee pain eventually became knee, back, and neck pain. Eventually her symptoms made work impossible. She applied for Long Term Disability through his employer’s insurance plan and received benefits for two years. After two years however, the insurance company stopped paying because they said she could return to work.
She was angry at the insurance company and worried about her lost income, so she called Fields Law for help. Our team obtained the claim file from the insurance company and used updated medical records and doctor’s opinions to draft a strong appeal. The insurance company did not change their mind, so our attorneys filed a lawsuit in federal court to fight for our client’s benefits. During preparation for a hearing, our attorneys negotiated a generous lump-sum settlement which our client happily accepted, glad to be through fighting with her insurance company.
Kim – Distrct Manager Area Supervisor – Bartlett, Tennessee
Degenerative Disc Disease, Obesity, Bipolar Disorder, Major Depressive Disorder
A District Manager for a retail chain store stopped working due to degenerative disc disease, obesity, bipolar disorder, and major depressive disorder. His employer provided a group Long Term Disability policy that he elected to receive coverage under. He was initially approved for Long Term Disability benefits, but the insurance carrier quickly terminated benefits indicating he could perform the material duties of his own occupation. He contacted the attorneys at Fields Law to assist in appealing the insurance carrier’s adverse decision.
The attorneys at Fields Law appealed the insurance carrier’s decision, and benefits were reinstated by the insurance carrier rather quickly. Our client continued to receive benefits until the insurance carrier sent another letter stating they were again terminating our client’s benefits. The insurance carrier concluded our client did not meet the definition of Totally Disabled. Our attorneys again appealed the insurance carrier’s decision. However, the insurance carrier decided this time to uphold its previous decision to terminate benefits.
Not happy with this response, the attorneys at Fields Law filed a lawsuit in federal court. The insurance carrier fought the case, and it was not until the very last day that the insurer offered a settlement that was accepted by our client. At the end of the case, our client received a settlement check and had a significant overpayment debt obligation completely forgiven by the insurance carrier.
