American United Disability Help

American United Disability Lawyer Representation for Your LTD Insurance Claim

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

American United Life Insurance Company sells disability insurance and is an affiliated company of OneAmerica Financial Partners, Inc. American United is a multi-billion dollar insurance company that claims to have been selling insurance since 1877. American United sells and underwrites short term and long term group disability insurance policies through an agreement they have with Illinois Mutual Insurance Company and Principal Life Insurance Company. A claimant with a group disability policy issued by American United Life Insurance needs to take caution as it is likely the disability policy is governed by ERISA. The company is based in Indianapolis, Indiana. In 2003, American United significantly increased their disability insurance portfolio by purchasing the group life and disability business from The Union Central Life Insurance Company. In past claims that we have seen from American United, they usually use a third party administrator to evaluate the disability insurance claim, which means that American United may not be making the final decision to approve or deny disability benefits. American United has assets under management in excess of 14 billion dollars.

Dell Disability Lawyers have provided and offer the following legal services for disability claimants that have a long-term disability insurance policy or disability income policy purchased from American United Life Insurance:

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

Resources to Help You Win Disability Benefits

Disability Benefit Denial Options

Submit a Strong American United Appeal Package

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

Learn more

Sue American United

We have filed thousands of disability denial lawsuits in federal Courts nationwide against American United.

Learn more

Protect Your Benefits

Get Your American United Disability Application Approved

We help claimants throughout the entire application process.

Learn more

Prevent an American United Disability Benefit Denial

We manage every aspect of your disability claim following claim approval.

Learn more

Negotiate an American United Lump-Sum Settlement

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

Learn more

American United Reviews

(0)

Be the first to Write a Review

Answered Questions by Our Lawyers

(0)

Ask Our Lawyers a Question

Helpful Videos

(908)

Showing 12 of 908 Videos

See All Videos

Disability Benefit Tips

(331)

Showing 8 of 331 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 >

Disability Denial Reason #2 - Change of Disability Definition & Vocational Review

One of the top reasons for terminating a claimant's long term disability benefits involves the change in the disability insurance policy's definition of "disability." This definition change often happens in conjunction with a vocational review, or an analysis of a claimant's medical records that tells the insurance company which jobs the claimant should be able ... Read More >

Disability Denial Reason #1 – Paper Review & IME

At Dell Disability Lawyers, we've seen insurance companies give countless reasons to deny long term disability benefits. However, most disability benefit denials tend to fall into one of a few categories - and one of the biggest ones is the paper review and independent medical exam (IME). Learn more about what this review process entails and what your claim file... Read More >

How to Apply for Reliance Standard Disability Benefits & Top 5 Reasons for a Claim Denial

At Dell & Schaefer we’ve handled hundreds of long term disability insurance claims against Reliance Standard, and have learned a few things in the process. When you’re experiencing an injury or illness that makes it difficult (or impossible) to work, it can be tempting to file a claim as quickly as possible – but unless a claimant has all their ducks in a row, this could actually delay the ultimate r... Read More >

See All Benefit Tips

Dell Disability Cases

(375)

Showing 8 of 375 Dell Disability Cases

Seven Surgeries and The Standard Still Denies Disability Insurance Benefits

Our client was employed with the State of Oregon as a Technical Support Representative. She sought disability through her employer provider LTD Policy with Standard due to low back, hip, and lower extremity pain. She had two hip, two knee and three back surgeries.After paying her for 1.5 years Standard hired a board-certified neurologist to perform a review ... Read More >

Sun Life Wrongfully Denies Disability After Paying For 23 Months

We represent a 57 year-old claimant who’s occupation was selling commercial vehicles for many years. Her job was very physical as it required her to climb in and out of semi-trucks multiple times a day as well as operate them which was very strenuous. She went out of work in due to ongoing and severe debilitating right hip, low back, and bilateral knee pain... Read More >

Nurse Denied Long-term Disability Benefits by Lincoln After the Definition of Disability Changed

Our client, a registered nurse for Dignity Health, found herself in a difficult situation after being diagnosed with lumbar spondylosis and left knee arthritis. She continued to work, however, struggled while attempting to work through chronic lower back pain and left lower extremity radicular symptoms on a daily basis. Sadly, her condition failed to improve and... Read More >

Lincoln Reverses Decision to Terminate LTD Benefits of Corporate Attorney after Dell Disability Lawyers Appeals the Decision

The claimant is an 64 year old former Corporate Attorney and at a prominent Florida business law firm who was forced to cease working in his highly successful and rewarding profession, job, and career on January 27, 2021, and to seek disability compensation under his policies with Lincoln due to severe symptomatology stemming from or following a viral COVID-19 i... Read More >

Transportation Manager with Brain Injury Wins Unum Disability Benefit Appeal

Unum unjustly terminated our client’s disability insurance claim after it had approved and accepted liability for six months. Unum unreasonably concluded, without any evidence of improvement, that the claimant had resumed the sustained work capacity to perform the material and substantial duties of her high level occupation as a Transportation Division Manage... Read More >

Prudential reverses decision to terminate LTD benefits of MRI Tech with Primary Progressive Multiple Sclerosis and degenerative Disc Disease

The claimant is a 58-year-old former MRI Technologist for Fairview Health Services who has long suffered from the debilitating effects of her chronic medical conditions. She has a history of neck pain as well as right arm pain and numbness dating back to 2005 with a reoccurrence of severe symptomatology in 2013. MRI of her cervical spine performed in August of ... Read More >

Engineer With Depression Wins Prudential LTD Appeal

The claimant is a former Senior Technology Services Engineer for Accolade, Inc. who was forced to cease working on May 25, 2021 and to apply for disability insurance benefits under his policy with Prudential because of severe symptomatology related to depression and anxiety. Prudential initially approved his claim for LTD benefits as his symptoms were demonstrat... Read More >

New York Life Approves Disability Benefits for School Teacher With Multiple Sclerosis

Our client, a former elementary school teacher suffering from Multiple Sclerosis, contacted our office after New York Life terminated her claim for short term disability benefits and spoke with Attorney Stephen Jessup. New York Life had initially approved her claim for short term disability benefits, but in doing so awarded benefits only on account of a mental health condition, even though our client had filed... Read More >

See All Dell Disability Cases

Disability Lawsuit Stories

(765)

Showing 8 of 765 Lawsuit Stories

American United Life Insurance disability denial reversed for woman with fibromyalgia, depression and migraines

This disability insurance denial by American United Life Insurance Company (American) and Disability Reinsurance Management Services is a classic example of a disability insurance company's effort to convert a physical disability claim into a mental nervous claim only. Most disability insurance policies limit disability benefits to 24 months for a mental nervous condition, therefore disability companies will t... Read More >

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 >

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 >

Federal Judge Makes Companion Life Insurance Pay Disability Benefits

Companion Life tried to play games and deny disability insurance benefits, but thankfully a New Mexico Federal Judge made them pay disability benefits and attorney fees. The Plaintiff, Mr. Paul Chandhok, was recently awarded disability benefits in a decision by The United States District Court for the District of New Mexico, in a case decided on August 13, 2021. What makes this decision important for plaintif... Read More >

NFL Disability Review Board Ignores Evidence of Disability and Appeal Court Reverses Lower Court Decision

In Darren Mickell v. Bert Bell/Pete Rozelle NFL Players Retirement Plan (Plan), Mickell spent nine years in the NFL as a defensive end. He was repeatedly subjected to high speed contact hits which caused multiple orthopedic injuries to his “back, ribs, shoulders, arms, hands, knees, hips, legs, and feet." He had multiple orthopedic surgeries. Mickell also sustained multiple blows to his head t... Read More >

Judge Agrees that MetLife's Denial of Long Term Disability Benefits was Reasonable

In Anne Ehlert v. Metropolitan Life Insurance Company (MetLife), Ehlert was a consulting pension actuary for pension plans at Towers Watson. Her first day of work with Towers was September 8, 2003. Her last day of work was December 23, 2015. In August 2016, she applied for long-term disability (LTD) benefits under her employer’s disability insurance benefit plan which was administered by MetLife.In thi... Read More >

See All Lawsuit Stories

Reviews from Our Clients

Ted F.

I’m so thankful I chose to reach out to the attorneys at Dell. They have always been quick to respond to any and all questions I have had. The anxiety I had while dealing with Lincoln Financial on my own has decreased immensely since Jay Symonds, Sonia and Jason Glick took my case. They were able to get my LTD denial reversed and I am so very grateful!, The firm always answer emails, calls to all questions or concerns. Now I can concentrate on my health rather than Lincolns harassment, Thank you Jay, Sonia, and Jason.

Kathy W.

Jay & Sonia were very easy to work with, very prompt to respond to any of my questions, and quick to get my case resolved. Highly recommend.

Antonica C.

Jason and Danielle at Dell Disability has been great from day 1. Guiding me through the whole process of my case. Also a quick turn around to my appeal. I am forever grateful to this firm!! Thank you for your dedication!!

Dr. M.

Not only are they potentially the finest plaintiff disability law firm in the United States. They actually get to know you. They care about you. I have gotten emails answered on a Sunday. That is excellent service.

Kevin

I have been with Dell Disability for four years. One of the best decisions I have ever made was to work with Stephen Dell. He is the Michael Jordan of disability law. His administrator, Merlin, is phenomenal. There is a very unfortunate fact about these insurance companies that they do not want to pay you and couldn’t care less about you. Mr. Dell and Merlin care about you and will fight for you to keep your benefits.

10 Rock

Mr. Jessup and his team did a great job and made a very stressful situation easier to cope with. They were able to deal with my long term disability insurance company directly, who ended up complying and providing the benefits that I was entitled to under my policy without have to litigate. I have absolutely NO doubt that the insurance company would not have complied had I continued to handle the appeals on my own, and having Mr. Jessup’s office represent me for my final appeal made all the difference. I can’t recommend them enough.

Khadijah A.

I would like to thank Lisa, who kept me informed of my case without me having to call. I want to thank Attorney Jessup for going above and beyond to settle my disability claim and help my friend. Attorney Jessup treated me like I was an old friend. I don’t do many reviews, but this one is well-deserved. We don’t know when God put people in your life for the greater good. Attorney Jessup and his team walked me to the settlement table with no worries.
Much
Love

Kendall S.

We cannot say enough about the exceptional experience we’ve had working with Mr. Steven Dell and his team at Dell Disability Lawyers. I am writing this review on behalf of my spouse and myself—one a physician, the other a dentist—who have been navigating the complexities of filing a long-term disability (LTD) claim. From the very beginning of considering whether to file, Mr. Dell has been an invaluable guide, and his expertise has made all the difference.

Hiring Mr. Dell and his firm early in the process was the best decision we could have made. The initial phases of an LTD claim are critical, and having their professional counsel ensured we avoided any potentially fatal missteps. They were always one step ahead, helping us present our case clearly and effectively from the outset.

The professionalism of this firm is unmatched. Every email, every question—no matter how small—was answered promptly and thoroughly. The level of care and attention they provide to their clients is extraordinary, and it is clear that this is not just a job for them but a calling. This is without a doubt one of the most premier law firms we have ever worked with.

We firmly believe that without Mr. Dell’s and Kathy’s guidance, our claim would not have been successful. Their expertise, dedication, and unwavering support have been a lifeline during what could have been an incredibly stressful and uncertain time. If you are even considering filing an LTD claim, enlist their help immediately—it is worth every penny to have them on your side from the start.

Thank you, Mr. Dell, Kathy, and the entire team, for your outstanding work. We are forever grateful!

Kraig D.

Fantastic people to work with! Mr. Dell is super patient with me and very knowledgeable and helpful. Kathy is wonderful as well and they make a great team. I would be really anxious and worried if I didn’t have them in my corner!!!
Kraig

View All Reviews (480)