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Attorneys for Assurity Life Disability Claims

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Disability claimants are often seeking information regarding Assurity Life long term disability reviews. We have created a forum where insurers can post reviews and comments about Assurity Life short term and long term disability claims. Our attorneys respond to most comments posted by our visitors.

Assurity Life sells short term and long term disability policies. In 2007, Assurity Life, Security Financial Life and Lincoln Direct Life joined together to operate under the Assurity name. Assurity has reported assets in excess of 2.2 billion dollars. Assurity states that there company history goes back to the late 1800s.

Assurity Life employs over 400 people throughout 49 states and the District of Columbia and serves approximately 420,000 customer accounts. Assurity Life provides group and individual life insurance, disability income protection, and annuity products.

As disability insurance attorneys, Dell & Schaefer is represents claimants with their long-term disability claims against Assurity Life and its affiliated companies.

Disability Attorneys Dell & Schaefer provide the following legal services for disability claimants that have a short-term or long-term disability insurance policy purchased from Assurity Life:

  • Application for long-term disability benefits with Assurity Life
  • Application for short-term disability benefits with Assurity Life
  • Monthly claim handling of Assurity Life long-term disability insurance claims
  • Appeal of a Assurity Life denial of long-term disability benefits
  • ERISA appeal of an Assurity Life denial of long-term disability benefits
  • Lawsuit against Assurity Life for denial of long-term disability benefits
  • Lump-sum buyout of an Assurity Life long-term disability insurance policy
  • Department of Insurance complaints against Assurity Life for wrongful delay and denial of long-term disability benefits

There are 11 opinions so far. Add your comment or complaint now.


I have an old (1986) disability policy issued under Woodmen and now, since a merger, is under Assurity. I have been denied because the Woodmen policy has a provision that states one can return to a new period of disability after returning to a comparable occupation for 30 hours per week for 6 months.

Assurity claims the occupation must be the same, at the same amount of money as when the disability occurred in 2004 – they pay no attention to what the policy states in 1986 and apply a loose meaning to the terms in the policy so that they can deny.

Attorney Greg Dell:


In order for us to determine if we can assist you with an Assurity disability insurance claim denial, then we need to review your denial letter. The language of your Woodmen disability policy should govern. Contact us to to discuss your disability denial.

Harry Hamilton:

My brother had triple bypass heart surgery a few years back. He went to have a stress test and blockage was discovered. Assurity denied his claim, they said that he knew he had that pre-existing condition. I recently filed a claim and I guess I will need a lawyer too.

Attorney Greg Dell:


If your brother had a pre-existing condition and he became disabled during the pre-existing elimination period, then Assurity may have been correct in denial of disability benefits.

Ken Turoczy:

I took out a Disability Policy 15+ years ago with my Nationwide Agent. That Policy was transferred to Aurrity several years ago. I have made quarterly payments and never filed a claim. Same hold true for other Nationwide Policies.

I was told by this Agent 15+ years ago that I would get all my Premiums back at age 65, if I never made a claim. Policy is still in force.

I just tuned 65 and the Agent denies it. I now don’t know if that is even in the Policy, I am still looking for the paper work. I have not made claims on this policy, home, umbrella, and 2 auto after paying premiums for decades. I don’t make unwarranted claims, but I know what I heard. Do I have any recourse?

Attorney Greg Dell:


You first need to get a copy of your original policy and read it. You should also request a copy of your initial underwriting policy to see if the application had anything about a refund of premium paid if you never made a claim. It is a rare option that is offered.


So far not happy with Assurity but will wait to see how much longer it will take to get paid. Been off since June 4 and still jumping through hoops.

Adam J.:

I have a short term of 2 years disability with Assurity Life insurance co since 2005, and since than I collected 3,150$ a month. I got injured many times with new injuries so even if I worked for couple a days I collected for 2 years each time, now I’m injured all over my body, so I had to work lately for 1 year in order to collect for 2 years, and I’ve been on this since 2001. At this present time I’m collecting for 2 years and it’s 1 year left to collect, and when it ends I will go back to work 1 year in order to collect again, approved all the time by my doctor since I’m badly injured, my policy is till 65 year old, and I’m 47y.old. So I want to settle with them with a descent ammount.

Attorney Stephen Jessup:


If your policy is only for a limited benefit period it is likely that Assurant would not negotiate any type of lump sum benefit. However, please feel free to contact our office to discuss your policy further.

John W.:

I am considering purchasing an Assurity disability policy. I work in an office as a software developer. How important is Own Occupation as a rider, especially considering that Assurity will continue paying even if I take another job if the new job does not pay as much as the benefits. If I was disabled, there’s no way I’m going to find another job paying as much as I make doing what I do. That said, I’d have to be about bed-ridden to be disabled from my job.

Attorney Stephen Jessup:

John, I would discuss all the options you have with your insurance agent/person selling the policy. In my opinion, when purchasing an individual disability product it is always a good idea to purchase the Own Occupation Rider, along with the COLA rider.

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Read what our clients say about us.

  • Dawn P. I had to quit working after 8 years of dealing with chronic pain from 2 bulging and torn discs from an injury and failey back surgery. I was approved for Long term...› continue
  • BK. K. After my claim was denied I was at a standstill. Not knowing what to do next, I happened upon Dell & Schaefer on an Internet search...skeptically I investigated and did...› continue
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