• An American United Life Insurance Company Disability LawsuitAn American United Life Insurance Company Disability Lawsuit

American United

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.

Disability Attorneys Dell & Schaefer 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:

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There are 9 comments

  • Hello. I’m gladly that you will help me with this matter.

    Wanda KitnerFeb 16, 2020  #9

  • Kevin, this sounds as though it would be a Social Security Disability claim. I suggest you contact an SSDI attorney.

    Jay SymondsMar 28, 2019  #8

  • Hi. My name is Kevin, I am trying help my mother. I pick her up 7 years ago from my dad house after her divorce. I took her to my house on Dallas. I have to go to Miami for my business. I ask her will she be okay, she said yes, I left. I call her every day check on her. One day I call her, she did not answer. I keep call her no answer, after 3 days I call my brother go check on her. He did, my dad drive him from Oklahoma to Dallas.

    He went knocked on the door no body ansswer. He call me told me I told him go to office tell them open the door for you, he did, he find her uncoous in my bed room floor. He call 911, they took her Parkland Hospital in Dalls, they put her in icu, she was in ICU for 6 months. After 6 months doctor wany send her home, we got her of bed but she could not walk. I took her to rehab, she was in rehab for 2 years after 2 years I took her to my house in Dallas. It has been 6 years, she still can not walk. I need help to apply for her disability. She work as register nurse for 24 years. Let me know if you can help her. Thank you

    Lura C.Mar 28, 2019  #7

  • Rebecca, under the ERISA laws, insurance companies I believe have 105 days to provide an answer on your application. I believe its 45 days and they can take two extensions of 30 days each. However, this time period can be tolled if there are outstanding requests. Please remember its ultimately your duty to provide the “Proof” of your claim. You may want to get all your medical documentation together and send it in to the insurance company yourself so you can 100% without question know what information was sent and went it was received. If you rely upon your doctors to send the info in, the insurance companies might play games and say they never received it.

    If you would like to discuss your claim or potential representation, please do not hesitate to contact me.

    Alex PalamaraDec 10, 2018  #6

  • I have been on medical leave since 8/20/2018. They still have not approved my claim. They have medical records from ALL my specialist including primary care. I’ve list my hine and I’m homeless now. When I call they just tell me they need more info from doctors but they yave received everything. I need help and fast.

    RebeccaDec 9, 2018  #5

  • Alphonzo, please contact our office and ask to speak with a disability insurance attorney to discuss your denial.

    Cesar GavidiaSep 24, 2018  #4

  • I have been out on leave from work since dec 2017 because my job said that it wasn’t safe for me to work. I have type 1 diabetes and have had constant low blood sugars while at work. The disability company that has been taking money from my paychecks, said that I wasn’t eligible once I filed a claim.

    Alphonzo A.Sep 23, 2018  #3

  • Resa, please feel free to contact our office to discuss your claim in further detail to determine how we may be able to assist you in filing a lawsuit.

    Stephen JessupApr 18, 2017  #2

  • Hello Sirs

    I have American United Life. I have a phlethoria of injuries and too many doctors to count. I have CTcscans, MRI’s, body scan, etc…. However, AUL stopped paying January 2016 with no good reason. The attorney I had wants to know if Inwant to file a federal lawsuit. But, he was so incompetent, I had rather have you who I know can win. This attorney tells me what I cannot do and what the insurance company can reading from the insurance’s letter, not the policy. I know that policy backwards and forward, and I know I am due much back pay and continuing disibility payments including the 25% extra. Please consider my case. I was approved for SSD in five months in 2013. I was approved for ST and LT with AUL, but what I feel their feeling of attorney weakness, AUL just stopped paying. I have even worse conditions now. Please help me, no one else has the foresight or intelligence to take this company on. Both my husband and I are disabled and I paid fully for this policy for almost two decades. The state has declared me totally and permanently disabled, but the insurance I paid for to protect me will not. Please consider my request.

    Resa W.Apr 12, 2017  #1


Do you handle ERISA American United appeals?

If your disability income claim has been denied by American United and your disability income policy has been offered through your employer, then federal ERISA law requires you to file an appeal with American United. Our law firm has handled thousands of ERISA appeals against American United and we will prepare a very strong appeal on your behalf.

Do you help with American United applications?

The application for disability benefits with American United is the foundation of your claim. One mistake can result in your claim for disability insurance benefits being denied by American United. Our lawyers will guide you through the entire application process and make sure you are in the best possible position to have your claim approved by American United. We welcome you to contact our attorneys to discuss important information about applying for disability benefits with American United.

Do you file American United lawsuits?

If American United has denied all of your ERISA disability appeals, then you have the right to file a lawsuit in federal court against American United. An ERISA disability lawsuit is different than any other type of lawsuit and you should hire a attorney that has handled thousands of disability denial lawsuits against American United. Our disability insurance lawyers know what to expect with the challenges filing a federal lawsuit against American United.

Can you help with a American United disability Insurance denial?

We have helped thousands of individuals collect long term disability benefits from American United and we know the unreasonable denial tactics used by American United to deny disability insurance benefits. Our experienced attorneys know the many options available to get your disability benefits paid by American United.

Do you manage American United monthly claims?

Monthly disability insurance claim management is a unique service we offer. Our goal is to make sure your American United disability benefits continue for as long as you need them. Many claimants either don't trust or experience aggravation dealing with American United. Disability Insurance Attorneys Dell & Schaefer manages every aspect of your claim for disability income benefits from (American United. American United only interacts with our law firm. Contact Disability Insurance Attorneys Dell & Schaefer to learn how we can manage your disability claim.

Can you negotiate a American United lump sum buyout?

Lump sum buyouts and disability buyouts are occasionally offered by American United. Our disability lawyers have established relationships with the people at American United that make the decisions on disability buyouts. We have negotiated hundreds of lump settlements with American United. Our goal is to get you the highest buyout possible.

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 telephone, e-mail, fax, GoToMeeting.com 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 800-682-8331 or by email. Lawyer 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.

Dell & Schaefer Client Reviews   *****

Dennis W. (Florida)

If it weren’t for Attorney Rachel Alters, I would have probably been living on the streets, living in a cardboard box, or maybe not even be here today. I was denied numerous times by my own Short Term and Long Term Insurance Company that I had paid years of premiums to. I figured that since it was my Insurance Company that I wouldn’t have any problems with submitting a claim and getting it approved. Was I wrong… Then the claims adjusters started playing head games with me each time I contact them or mailed them any additional information. Nothing seemed to matter. Eventually I would always get a rejection/denial letter in the mail. I was so irritated and frustrated as I also had to deal with my illness and go without any income for almost 2 years.

I even researched and contacted numerous local lawyers. They would either state that they wouldn’t take the case, take the case and either do nothing with the file or at a later date contact me to inform that they didn’t practice in that particular area. This included all the Attorneys and Firms that you see advertising on the television, including the Large Law Firms. Theses firms actually didn’t have the expertise nor the experience in the area of Traumatic Brain Injury, as it was a fairly new unknown area. This was prior to the publicizing of Traumatic Brain Injuries regarding NFL Football Players committing suicide (retired or ex-football players) as well as Professional Boxers. Now all of the sudden those same Attorneys and Large Law Firms are advertising for cases with Traumatic Brain Injuries and Insurance Disability Claims like they dealt with them in the past, which is definitely not the case.

I was stuck between a rock and a hard place. So I went researching on the internet and found Dell & Schaefer and watched their videos and so on. I contacted their company and was given an appointment with Attorney, Rachel Alters. She went to bat for me. Fought the Giant (Insurance Company) and won, whereas all these other Attorneys and Large Firms wouldn’t even touch my case. Attorney, Rachel Alters was even willing the take the case to court. She went to battle against a Large Insurance Company and won without going to court!

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