Our Disability Lawyers Help You Collect Ohio National Benefits

Ohio National Life Insurance Company can be a very difficult company to deal with if you are trying to get paid disability insurance benefits.

Our law firm has represented and currently represents numerous doctors and business professionals throughout the country with their Ohio National Disability claim. Our disability attorneys can help you any stage of your disability claim.

Most Ohio National disability policies are not governed by ERISA and the monthly benefit amounts are usually in excess of $7,500. The definitions of total disability and residual disability are usually favorable in an Ohio National Life policy, which is an advantage for a claimant. Some of the policies also pay lifetime benefits, which is rare in today’s market. Ohio National is a mid size insurance company, but the sale of disability insurance is not a large part of their revenues.

The Disability Claim Department At Ohio National Is Not Cooperative

From our experience it seems that the disability claims handling department at Ohio National contains a few employees and in recent years has experienced a fair amount of employee turnover.

Our lawyers have seen a pattern in which Ohio National will routinely hire the same doctor to review their disability claims. For example, in several of our cases, Ohio has hired Dr. James R. Hawkins, M.D., board certified in psychiatry and neurology to review the medical records of our clients. We have never seen a report generated by Dr. Hawkins in which he determined that our client was disabled. Dr. Hawkins also happens to be conveniently located in the same city as Ohio National’s headquarters.

Nine Examples of Ohio National’s Unreasonable Disability Claim Handling Tactics

Let’s take a look at the manner in which Ohio National conducted itself during the pendency of a claim in which we represented a family medicine doctor that was being paid total disability benefits for five years.

During Ohio’s attempts to deny benefits to our client, we made the following request to Ohio National and they were all denied:

  1. Refused to provides a copy of any field interview reports or recorded statements that were provided to Ohio National by our client;
  2. Refused to allow the disability claimant to videotape any of the four Compulsory Medical Exams (CME) requested by Ohio National;
  3. Refused to allow the Compulsory Medical Exam to be videotaped;
  4. Refused to allow the claimant to have an independent witness present at the CME EXAM with four different doctors the claimant had never met before;
  5. Refused to provide either the disability claimant or his treating physician’s with the Raw Data from the neuropsychological IME exam that Ohio required the claimant to attend;
  6. Refused to release copies of the CME exam reports to the disability claimant;
  7. Refused to provide proof of the malpractice liability insurance for the CME doctors that had been hired by Ohio National to exam the claimant. Ohio is obviously unaware of the extensive case law that states a CME doctor may have a duty to the disability claimant even in the absence of a formal relationship. There have been numerous lawsuits against CME doctors for injury caused to a claimant and failure to diagnosis;
  8. Refused to provide the claimant with copies of any documentation that the claimant had submitted to Ohio National over the past 5 years;
  9. Denied knowledge of a disabling medical condition which was submitted in multiple medical records to Ohio National more than 5 years ago.

Ohio National’s conduct speaks for itself. In the case discussed above, Ohio expects the claimant to give them everything they ask for, but they don’t have to share anything with the policyholder. Thankfully our client continues to be paid; however Ohio National clearly understands that should they deny disability benefits our disability lawyers will immediately sue to recover benefits, attorney fees, costs, and any potential bad faith damages.

Contact us for a free phone consultation if you would like assistance with your claim.

Resources to Help You Win Disability Benefits

Disability Benefit Denial Options
Submit a Strong Ohio National Appeal Package

We work with you, your doctors, and other experts to submit a very strong Ohio National appeal.

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Sue Ohio National

We have filed thousands of disability denial lawsuits in federal Courts nationwide against Ohio National.

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Protect Your Benefits
Get Your Ohio National Disability Application Approved
We help claimants throughout the entire application process.

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Prevent an Ohio National Disability Benefit Denial
We manage every aspect of your disability claim following claim approval.

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Negotiate an Ohio National Lump-Sum Settlement

Our goal is to negotiate the highest possible buyout of your long-term disability policy.

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5 Ways We Help Get Your Benefits Paid

Get Your Disability Application Approved

Our goal is to get your application for disability income benefits approved. Applying for disability benefits can be a difficult process and the information you provide is critical. Most disability insurance companies look at your application in hopes of finding a reason to deny your claim. Your disability company will ask you to complete numerous forms, interview you, request lots of information, speak with your doctors and possibly request to have you examined by their "hired gun" doctor.

Through our experience of having helped thousands of disability insurance claimants, our lawyers will guide you through the entire application process and give you the best chance to get your disability claim approved the first time.

Submit A Strong Appeal Package

If your disability insurance benefits have been wrongfully denied, then our lawyers know exactly what it takes to get your disability claim approved. You only get once chance to submit an Appeal, therefore every piece of evidence that will support your disability claim must be included. The goal is to win your disability benefits at the Appeal level, but while preparing your Appeal you must consider how a federal judge will review your disability claim if your benefit denial is upheld.

Preparing a strong disability appeal package is an art that requires you to understand how the courts interpret your disability policy language, ERISA regulations / laws, and how to strategically present evidence in support of your definition of "disability". We encourage you to contact any of our lawyers for a free immediate review of your disability denial.

Sue Your Disability Company

98% of the disability insurance lawsuits filed by our law firm have resulted in either the payment of benefits or a lump-sum settlement agreement. Our disability lawyers have filed ERISA governed and private policy long term disability insurance lawsuits against every major disability insurance company in state and federal courts nationwide and we love fighting for the "little guy" against the multi-billion dollar insurance company giants.

We have recovered hundreds of millions of dollars for our clients and we would like the opportunity to provide you with a free review of your disability benefit denial. There are many complex factors in a disability benefit lawsuit and the legal battle to win long term disability benefits can be fierce.

Prevent A Disability Benefit Denial

Approval of long-term disability is a continuous process as every disability insurance company will evaluate your eligibility for benefits on a monthly basis. You can never let your guard down and assume that your disability company will continue to pay your benefits for as long as you think you need them.

Our law firm offers a reasonable flat fee monthly claim handling service in which we handle every aspect of your long-term disability claim and do whatever it takes to make sure you are paid every month.

Negotiate a Lump-Sum Settlement

Let's discuss if a lump-sum settlement or buyout of your disability insurance claim is both available and makes financial sense for you. Our lawyers have negotiated more than five-hundred million dollars in disability insurance buyouts and we know how to get you a maximum settlement. A disability insurance company is not required to offer a buyout and not every disability company offers them.

Questions About Hiring Us

Who are Dell Disability Lawyers?

We are disability insurance lawyers that know how to get your short or long term disability benefits paid. As a nationwide law firm we have helped thousands of disability insurance claimants throughout the United States to collect hundreds of millions of dollars of disability insurance benefits from every major disability insurance company.

In more than 98% of our cases, our lawyers have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement. Our lawyers have seen it all when it comes to disability insurance claims and we know exactly what it takes for your disability claim to be approved.

We welcome you to contact any of our attorneys for a free immediate review of your disability claim. We also invite you to visit and subscribe to our YouTube channel where we have more than 700 videos and regularly provide tips to help protect your disability benefits.

Who do you help?

Our lawyers help individuals that have either purchased a long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer. We have helped individuals in almost every type of occupation with monthly disability benefit payments ranging from $1,500 to $50,000.

Our clients include all types of employees ranging from retail associates, sales representatives, government employees, police officers, teachers, janitors, nurses, pilots, truck drivers, financial advisors, doctors, dentists, veterinarians, lawyers, consultants, IT professionals, engineers, professional athletes, business owners, and high level executives.

A strong understanding and presentation of the duties of your occupation is essential for securing disability insurance benefits.

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via phone, email, fax, GoToMeeting sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-698-9159 or by email. Lawyers and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.