How Can Our Disability Insurance Attorneys Help You?

Our law firm offers disability insurance lawyer representation anywhere you live in the United States. Our long term disability insurance attorneys can represent you at all stages of a claim for disability insurance benefits in both private policy and group disability (ERISA) claims.

Our team has over 45 years of litigation experience against every major disability insurance company in courts throughout the country and has achieved successful outcomes for tens of thousands of clients. We have the financial resources, skill and determination to battle the multi-billion dollar disability companies that we face on a daily basis. We are committed to delivering you the highest quality legal work and client service whether you are hiring us to help you apply, manage your claim, appeal a denial, file a lawsuit or negotiate a buyout settlement.

Get Your Disability Application Approved

Our goal is to get your application for disability insurance benefits approved.

Applying for disability insurance 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.

Our disability insurance attorneys have helped thousands of claimants throughout the United States. We will guide you through the entire application process to give you the best chances of getting your claim approved on the first attempt.

Apply for Disability Insurance Benefits
Submit A Strong Appeal Package

If your disability insurance benefits have been wrongfully denied, then our LTD attorneys 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 disability insurance attorneys for a free immediate review of your disability denial.

Disability Insurance Appeal
Sue Your Disability Insurance 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 insurance lawyers have filed ERISA-governed and private policy disability insurance lawsuits against every major disability insurance company in state and federal courts nationwide. 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 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 insurance benefits can be fierce.

Disability Insurance Lawsuit
Prevent A Disability Benefit Denial

Approval of long-term disability benefits 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 team has been managing disability claims for thousands of clients with disability insurance benefits for over 45 years.

Our law firm provides a flat-fee monthly service for managing claims. We will handle every aspect of your long-term disability claim and do whatever it takes to make sure you are paid every month.

Monthly Claim Handling
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 disability insurance attorneys 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. We work closely with actuaries, financial consultants and treating physicians in order to maximize a buy-out offer.

Disability Buyout Settlement

Our Long Term Disability Insurance Attorneys Get Your Disability Benefits Paid

The Dell Disability Lawyers team of 	disability insurance attorneys

As a national disability insurance law firm we have helped thousands of disability insurance claimants throughout the United States to collect hundreds of millions of dollars in disability insurance benefits from every major disability insurance company. In more than 98% of our cases, our long term disability lawyers have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement.

Our attorneys 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 speak with a disability insurance attorney 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 900 videos and provide weekly tips to help protect your disability benefits.

Learn How Your Disability Company Acts and Thinks

You can greatly increase your chances of disability insurance benefit approval by learning all about the claim handling tactics of your disability insurance company. Every disability insurance lawyer working with us has contributed tons of helpful information available and we are constantly updating our site on a weekly basis.


Discover How your Disabling Condition Should Be Presented to the Disability Company

Disability insurance companies always argue that “diagnosis does not equal disability”. Proving that your medical condition is disabling is the most challenging aspect of any disability insurance claim. Our disability insurance attorneys are experienced with every type of disabling medical condition and we work closely with you and your doctors to provide the best evidence in support of your limitations.

Explore How Disability Companies Evaluate Your Occupation

Disability insurance companies are well-known for minimising your occupational duties. This technique is employed as a tool to demonstrate that you can perform duties that differ from the job you were performing while working. Our long term disability insurance lawyers have represented disability insurance claimants across a wide range of occupations and they possess the expertise and experience necessary to navigate the complex landscape of disability insurance claims, ensuring that your rights are protected and that you receive the benefits you are entitled to.

Resources to Help You Win Disability Benefits

730 Answered Questions by Our Lawyers

Answered Questions by Our Lawyers

Showing 5 of 730 Answered Questions

Q: Scheduled IME. Should I be concerned about my future LTD?

Answered on April 15th 2026 by Attorney Gregory Dell
A: Hi Dave,Thanks for reaching out top us regarding your Prudential claim. Any time a claimant is scheduled f... Read More >

Q: According to Lincoln Financial, I am entitled to benefits through 2033

Answered on March 19th 2026 by Attorney Jay Symonds
A: At the 24-month mark the definition of total disability typically changes from inability to perform your “ow... Read More >

Q: I received SSDI and a lump sum payment came for 6 months backpay. I'm getting 1300.00 SSDI and was getting 1600.00 from New York Life.

Answered on March 18th 2026 by Attorney Jay Symonds
A: The payment of retroactive SSDI benefits likely created and overpayment that you would be required to pay back... Read More >

Q: Lung cancer

Answered on February 4th 2026 by Attorney Gregory Dell
A: I am sorry to hear what you are going through. I do not believe that you need to be worried about the duration... Read More >

Q: My LTD benefits with Lincoln Financial transition from 'own occupation' to 'any occupation'

Answered on February 2nd 2026 by Attorney Gregory Dell
A: Doug:Lincoln will reduce your monthly disability benefit by the amount of your SSDI benefit, but it seems... Read More >
681 Disability Insurance Company Reviews

Disability Insurance Company Reviews

Showing 5 of 681 Disability Company Reviews
Mutual of Omaha

DENIED PRE-EXISTING

Reviewed by Blackmon on March 19th 2026   Verified Policyholder | February 2026 date of disability
I filed a claim with Mutual of Omaha because I had a hip replacement surgery. My family doctor referred me to an orthopedic surgeon. Mutual of Omaha denied my claim saying... read more >
Hartford

Total INCOMPETENCE!!!

Reviewed by Bryan on January 23rd 2026   Verified Policyholder | December 2025 date of disability
They don't answer or return calls... lack of communication... unorganized... takes 3-4 weeks after approval to recieve a check... they mail checks on a friday... mailed me... read more >
Sun Life

Worst company ever

Reviewed by Danyette on January 23rd 2026   Verified Policyholder | December 2025 date of disability
I hate them, nothing else to say.
Lincoln Financial

Not getting paid on time

Reviewed by Jim on January 7th 2026   Verified Policyholder | October 2025 date of disability
From the very start they have not tried to work with me at all. So I went out for a knee surgery and it took a month and a half to get my first check. When I had turned al... read more >
Sedgwick

Deadlines for you while theirs are ignored

Reviewed by AT&T employee on December 16th 2025   Verified Policyholder | September 2024 date of disability
They're absolutely terrible! Here you are on disability and they delay the whole process. Hold you accountable for your company's deadlines, meanwhile they will take well ... read more >
921 Helpful Videos

Our Recent Disability Videos

Showing 12 of 921 Disability Videos
382 Dell Disability Cases

Dell Disability Cases

Showing 5 of 382 Dell Disability Cases

Hartford Denies Republic Services Truck Driver's Disability Benefits

Hartford terminated long-term disability benefits to a commercial driver who had survived two ventricular fibrillation cardiac arrests, lived with a permanently implanted defibrillator, and was federally barred from ever holding a CDL again. Hartford's stated reason was that the loss of his commercial driver's license, by itself, did not make him disabled.Ou... Read More >

GIC Executive Wins Mass Mutual Disability Benefit Appeal

MassMutual terminated our client's disability benefits the moment it learned he had returned to work — without ever analyzing whether the new role matched the demands of his prior occupation. Our client, a New York-based Vice President in real estate investments for GIC, had been forced to stop working due to severe generalized anxiety disorder, adjustment dis... Read More >

Veradigm Salesperson With PTSD Wins New York Life Disability Appeal

New York Life denied long-term disability benefits to an Arizona-based Veradigm Expert Solutions Specialist — a highly skilled IT professional responsible for delivering complex technical presentations to healthcare executives — based almost entirely on a paper review by a physician who never examined her, never spoke to her, and never evaluated the cognitiv... Read More >

Dental Hygienist with Wrist Injury Wins a Standard Disability Appeal

Standard Insurance Company terminated our client's Individual Disability Income benefits the moment her policy's Mental Disorder Limitation period expired — even though she had developed severe, permanent orthopedic injuries that had nothing to do with her mental health and that independently made it impossible for her to ever return to her work as a dental hy... Read More >

SAP Employee With Neck Surgery Wins Hartford Disability Appeal

Hartford terminated nearly two years of approved long-term disability benefits for an SAP America Solution Advisor Expert in Michigan — using an internal paper review by a non-physician who never examined our client, and invoking the any occupation disability standard months before the policy permitted it.Our client spent close to three decades building on... Read More >
766 Disability Lawsuit Stories

Disability Lawsuit Stories

Showing 5 of 766 Disability Lawsuit Stories

Reliance Standard Disability Denial Upheld Due to Claimant's Lack of Strong Medical Record Support

In the case of Amy Wright v. Reliance Standard Life Insurance Company (Reliance), Plaintiff was the vice-president of health information services at Integrity Health Care when she stopped working on August 7, 2017. She brought claims for benefits under an LTD insurance policy and a waiver of premiums under a life insurance policy.In order to be approved for LTD benefits, Plaintiff ... Read More >

Unum Wrongfully Terminated Disabled Lawyer’s Disability Claim of Depression and Anxiety Despite Improvement in His Condition

This Unum lawsuit and appeal in federal court is a great victory for all Unum disability claimants. This case supports all claimants that are disabled and claim that they cannot return to work as the requirements of their job will aggravate their symptoms and make them unable to work.Mark was a personal injury litigation attorney, when he began struggling with symptoms of... Read More >

SunLife Released From Any Lawsuits Due To Claimant Giving Up Right To Sue In Severance Agreement

The signing of a severance package when leaving a job is not uncommon, but you may be signing away your right to pursue either a short or long term disability insurance claim. A recent lawsuit decision from the Federal Court in New York is a sad result for a SunLife policy holder that waived her right to challenge a SunLife disability benefit denial. This claim ... Read More >

Federal Court Overturns Aetna Denial Of Disability Benefits

In the recent case of Ferrin v. Aetna Life Ins. Co. a federal judge from the Northern District of Illinois determined that Aetna improperly terminated Ferrin’s claim for long term disability benefits and ordered Aetna to reinstate Ferrin’s claim and pay all past due benefits with interest. Prior to filing for long term disability Ferrin was an employee of Southwest Airlines. In 2008, while at work, she suf... Read More >

Court Finds Irregularities in Procter & Gamble Disability Insurance Benefit Denial

In ERISA cases filed in a district court asking for judicial review of a plan administrator's denial of benefits, the court is generally limited to considering only the administrative record that was before the plan administrator. The case of Robert Stallings v. The Proctor & Gamble Disability, Committee, et al., is an example of how plaintiffs with cases filed in a District Court that is under the jurisdi... Read More >
331 Disability Benefit Tips

Disability Benefit Tips

Showing 5 of 331 Disability Benefit Tips

Why Must Your Disability Insurance Lawyer Understand Your Disabling Condition?

When it comes to securing your disability insurance benefits, it's vitally important that your disability insurance lawyer thoroughly understands the symptoms and impact of your disabling condition. Doctors can help you create strong medical records, but they're not accustomed to dealing with the rigorous documentation disability insurance companies require. Lea... Read More >

Disability Benefit Denial Reason #5 – Your Medical Evidence is Weak

If you're seeking long term disability benefits from an insurance company, you may be concerned that you're facing an uphill battle. Fortunately, the stronger your medical evidence, the greater the odds that your claim will be approved. On the other side of the coin, one of the most common reasons for denial of long term disability benefits involves too-weak med... Read More >

Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company

When you're seeking disability insurance benefits, your medical records and treating physician's statement are two of the most important components of your claim. But because the insurance company has a vested interest in denying your disability insurance claim, it often will rely on tactics like ambushing your doctor with a phone call in an attempt to get them ... Read More >

Disability Benefit Denial Reason #3 - Video & Social Media Surveillance

One thing many disability insurance claimants don't know about (or expect) from the claims review process involves video and social media surveillance. Disability insurance carriers often hire people to follow claimants around with a telephoto lens - or even send social media friend requests from fake accounts - to glean whatever information they can about the c... Read More >

How Do You Fight a Long-Term Disability Denial?

Getting a denial letter from your disability insurance company is one of the ultimate insults. You are sick and not able to work, yet your disability insurance company is telling you to return to work. The disability insurance company has denied your disability benefit claim and is basically calling you a liar. When receiving a disability denial letter or a ph... Read More >