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

An ultrasound technician stopped working due to severe anxiety, depression, and PTSD. She applied for Short Term Disability benefits which she was approved for and was still receiving when her doctor advised she would have to undergo a knee replacement. The insurance company notified her that her Long Term Disability benefits would not be approved for her mental health conditions but would be approved for her knee surgery with an important caveat. Her Long Term Disability benefits would not begin until she satisfied her 180 day elimination period at which time she would have already recovered from her knee surgery.

Realizing she needed help, she reached out to the Fields Law team to help get her Long Term Disability benefits approved. The Fields Law attorneys reached out to her treating providers for both mental and physical conditions. Our team worked with our client’s therapist to obtain a detailed narrative outlining all of the significant events in our client’s life that contributed to her disabling mental health conditions.

Our attorneys prepared a lengthy appeal supported by numerous medical records and strong narrative reports from her treating providers and submitted to the insurer. Not only did we make sure our client’s benefits would commence at the end of the elimination period, but we also got Lincoln Financial to overturn their mental health denial and award our client an additional four months of benefits she had been denied. Our client was thankful that our attorneys got Lincoln Financial to acknowledge she was disabled due to both her mental and physical conditions.

A nurse became disabled after developing degenerative disc disease in the lumbar and cervical regions in her spine. Her capacity for lifting patients, staying on her feet, and even doing routine paperwork was significantly impaired. Her insurer, however, decided the conditions were not severe enough to rule out working as a nurse. She knew returning to work as a nurse was unsafe for her patients and herself.

She hired Fields Law to file an appeal on her behalf. Our attorneys assembled the medical records to present a complete and holistic view of the claimant’s conditions, restrictions, and limitations. Additionally, we submitted two narrative reports including and independent medical review and a strong report from the woman’s treating provider. After a brief review, her insurance company reversed its decision to deny benefits and started paying the woman’s claim. She was happy to receive a substantial backpay check, as she had been without income for roughly a year.

A sales executive from Texas suffered from severe depression and anxiety. His condition prevented him from performing his job. His insurer initially approved his claim for Long Term Disability benefits. Roughly six months later, his claim was denied. The Hartford asserted that the available information in his file did not show that he was unable to perform his occupation.

Clearly unable to work, he reached out to Fields Law Firm. The attorneys at Fields Law began by reviewing The Hartford’s file. After completing this review, a plan was developed to fight the denial. We updated medical records and had our client undergo a neuropsychological evaluation. With the updated records and results of the neuropsychological evaluation, we drafted a winning appeal. The Hartford reversed their decision and reinstated our client’s monthly benefits and paid all the past-due benefits. Our client was so thankful to get his benefits back and relieved that he would no longer have to worry about finding income to support his family.