Our Disability Lawyers Help You Collect Anthem Benefits

Anthem is one of the world’s largest health benefit companies, with a primary focus on health insurance benefits. While revenues for Anthem top 17 billion annually, short and long term disability benefits is a small portion of their revenues. Anthem is an independent licensee of Blue Cross and Blue Shield Association, but they sell most of their disability, life and AD&D insurance products under the name Anthem Life or Anthem Insurance Companies throughout the United States. Anthem has a very small stake in the disability insurance market, but with the talks of buying CIGNA corporation they could quickly become one of the largest in the US. Anthem has business relationships with numerous other entities and we have seen Anthem disability claims handled by a third party company called Custom Disability Solutions or their former parent company Wellpoint. We have also seen Anthem act as the third party disability administrator for large companies such as Eli Lilly and Company. After the Merger of Wellpoint and Anthem in 2004, some of the disability products were converted to the Anthem name.

Most Anthem Long Term Disability Policies Have Restrictive Language

Anthem’s disability products are only sold as Group plans, which means that most people covered by an Anthem disability policy are subject to ERISA regulations. From our experience, most of the Anthem disability policies contain a 24 month “own occupation” definition of disability and then they change to an “any occupation” definition of disability. We also commonly see Anthem disability policies which have a 24 month mental nervous limitation and a self reported symptoms limitation. One of the most restrictive items in an Anthem long term disability policy is that they will commonly require “objective medical evidence” of disability. There are frequent disputes as to what “objective evidence” constitutes and this frequently results in benefit denials. Some Anthem policies define “Objective Medical Evidence” as:

“medical signs” (including psychiatric signs) and “laboratory findings,” as documented by a Licensed Physician regarding disability status… Medical signs are anatomical, physiological, or psychological abnormalities that can be observed, apart from subjective statements of symptoms… Psychiatric signs are medically demonstrable phenomena that indicate specific abnormalities of behavior, affect, thought, memory, orientation, and contact with reality. They must also be shown by observable facts that can be medically described and evaluated. Laboratory findings are anatomical, physiological, or psychological phenomena that can be shown by the use of medically acceptable laboratory diagnostic techniques.

If you have a disability claim with Anthem, any of our disability insurance lawyers are available nationwide to assist you at any stage of your claim. We welcome you to contact us for a free lawyer consultation. We regularly track disability insurance claim denials and lawsuits throughout the country against Anthem. We also welcome your comments, complaints and feedback about your experience with Anthem so that other claimants can learn from your experience.

Resources to Help You Win Disability Benefits

Disability Benefit Denial Options
Submit a Strong Anthem Appeal Package

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

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Sue Anthem

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

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

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

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Negotiate an Anthem Lump-Sum Settlement

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

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Answered Questions by Our Lawyers
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Helpful Videos
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Disability Benefit Tips
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Showing 8 of 331 Benefit Tips

Why Must Your Disability Insurance Lawyer Understand Your Disabling Condition?

When it comes to securing your long term disability benefits, it's vitally important that you... 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 concern... Read More >

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

When you're seeking disability benefits under a long term disability policy, your medical rec... Read More >

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

One thing many long term disability claimants don't know about (or expect) from the claims re... 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... 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 th... Read More >

Disability Denial Reason #1 – Paper Review & IME

At Dell Disability Lawyers, we've seen insurance companies give countless reasons to deny lon... 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 thi... Read More >
Dell Disability Cases
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Showing 8 of 375 Dell Disability Cases

Seven Surgeries and The Standard Still Denies Long Term Disability Benefits

Our client was employed with the State of Oregon as a Technical Support Representative. She s... 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 ma... Read More >

Transportation Manager with Brain Injury Wins Unum Disability Benefit Appeal

Unum unjustly terminated our client’s long term disability claim after it had approved and... Read More >

Engineer With Depression Wins Prudential LTD Appeal

The claimant is a former Senior Technology Services Engineer for Accolade, Inc. who was force... 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 clai... Read More >
Disability Lawsuit Stories
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California Court Finds Anthem's Long Term Disability Denial Unreasonable

In McIlhaney v. Anthem Life Insurance Company Long Term Disability Plan, a California Federal District Court held that Anthem was "unreasonabl... Read More >

Florida Court Holds Anthem Does Not Need to do Vocational Testing in Disability Denial

This ERISA case was not handled by our office, but we feel it can be instructive to others who may be in a similar situation as this claimant.... Read More >

Michigan Court Agrees With Anthem's Denial of Long Term Disability Benefits

The Michigan Federal Court agreed that the plaintiff had physical limitations, but none of the activities from which she was restricted were r... Read More >

Anthem Disability Claim Denial Reversed by Nevada Court

District Court ProceedingsIn Decovich v. Anthem, a Nevada District Court granted Anthem's motion for summary judgment finding Anthem's den... Read More >

Disability Denial Remanded to Anthem for Analysis of Claimant's Job Duties

Although this Virginia Federal ERISA long term disability case was not handled by our disability insurance lawyers, it is an example of how An... Read More >

Federal Court Orders Anthem Life & Disability to Reinstate Improperly Terminated Long Term Disability Benefits to a Fibromyalgia Claimant

The Indiana federal district court case of Kennedy v. Lilly Extended Benefit Plan is a refreshing example of how perseverance in asserting a c... Read More >

An undiagnosed pre-existing condition will not result in denial of long-term disability benefits

On November 4, 2009, a ruling was handed down in the Sixth Circuit Court of Appeals that will surely have insurance companies looking at how 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... Read More >

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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.