Collecting Assurant Disability Benefits Is A Reality

Assurant Employee Benefits insurance company, also known as Union Security Insurance Company, often seems more interested in getting people back to work rather than paying disability benefits. Assurant is proud of their trademarked “WillReturn” program which is suppose to help employees get back to work quickly.

From our experience of handling thousands of disability insurance claim denials, companies such as Assurant use these self created “return to work computer programs” in order to create unjustified recovery periods for disabled policy holders. Assurant employees are trained to rely on computer data in order to determine disability duration periods based on the type of medical condition that is disabling a claimant. Assurant claims analyst are further trained to look for specific medical documentation which if left out of a claimant’s medical record will result in a claim denial. Assurant Employee Benefits has more than 1,000 employees and they have their own medical consultants, vocational consultants and private investigators which they rely upon in order to investigate every aspect of an Assurant disability claim and Union Security disability claim.

As disability insurance lawyers we have the experience, knowledge and resources to prepare and strengthen a disability insurance claim against Assurant. A claimant must be prepared when dealing with Assurant or they could have a difficult time achieving the appropriate amount of disability payments from Assurant.

Obtaining payment of Assurant Short Term or Long Term Disability Benefits may not be as easy as Assurant makes it seem

In an Assurant marketing video, Assurant claims to handle more than 16,000 claims each year. Assurant has a very strong sales force and they sell their short term and long term disability insurance products to employers with at least three employees. Assurant makes claimants think approval of disability benefits will be relatively easy by using catchy slogans in their marketing videos such as: “Insurance that helps you go on living”, “To do the right thing at the right time”, and “Choose the provider who cares”.

Kansas Federal Judge reverses Union Security and Assurant denial of Long Term Disability Benefits

Reading about lawsuits involving your disability insurance company is one of the best methods for a disability claimant to learn about the claims handling tactics used by their own disability insurance company.

We have uploaded for your review a 41 page court decision prepared by a Kansas Federal judge, which provides great detail about a nurse’s denial of long term disability benefits and the reason the court reversed Union Security’s denial of disability benefits.

This particular case was not handled by our law firm, however we have represented numerous disability claimants with Assurant and Union Security disability policies. The judge wrote an extremely detailed court Order which documents all of the unreasonable actions taken by Union Security and Assurant. Our disability lawyers welcome the opportunity to provide a free consultation regarding your Assurant disability benefit claim.

Who is Assurant and why do they have so many different company names?

Assurant Employee Benefits is the brand name for insurance products underwritten by Union Security Insurance Company. Assurant Employee Benefits is subsidiary of Assurant Inc., which is a publicly traded New York Stock Exchange company with more than $25 billion in assets and $8 billion in revenues.

Assurant has had many different company names since their initial incorporation in 1910 as the Montana Life Insurance Company. It was not until 2004 that the company name was changed to Assurant. Prior to 2004 Assurant sold long term disability policies under the company name of Fortis Benefits Insurance Company. In 2005 the company name of Fortis Benefits was changed to Union Security Insurance Company.

Currently Assurant markets all of their short term and long term disability policies through the brand name of Assurant Employee Benefits, but the actual policies are underwritten by Union Security Insurance Company. Assurant Employee Benefits is headquartered in Kansas City, MO and they claim to have over 1,000 employees. Assurant also claims to be the fourth largest provider of disability insurance policies that are in force.

It is important to be aware of the corporate structure of Assurant, because most disability claim denial lawsuits are filed against Union Security Insurance Company.

Resources to Help You Win Disability Benefits

Disability Benefit Denial Options
Submit a Strong Assurant Appeal Package

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

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Sue Assurant

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

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

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

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Negotiate an Assurant 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 329 Benefit Tips

Can a disability insurance company rely on a Functional Capacity Exam ("FCE") to deny long-term disability benefits?

Unfortunately a recent Appellate court answered this question yes. Every disability case is distinguishable so for every case that says an FCE... 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 >

Applying for Standard Disability Benefits? Top 5 Claim Denial Reasons

At Dell & Schaefer, we've helped hundreds of clients recover long term disability benefit... Read More >
Dell Disability Cases
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Showing 8 of 359 Dell Disability Cases

Assurant overturned its previous denial of long term disability benefits for Maine Sales Consultant

Our client, Ms. C, formerly worked as a Sales Consultant for an international manufacturer of dental materials. In July 2013 a number of medic... Read More >

Anesthesiologist Approved for Long Term Disability Benfits Plus an Extra 9 Months of Benefits

Our client, an Anesthesiologist, suffered a fall at his home which resulted in rupturing his ... Read More >

Research Epidemiologist with chronic fatigue / ME wins LTD appeal against Prudential

Our client is a former Mental Health Epidemiologist who unfortunately suffered the progressive onset of perv... Read More >

Executive Director with Meniere's Denied Long Term Disability Insurance Benefits By Hartford

Our client, came to us when he was unjustly denied his claim for LTD benefits by Aetna, now Hartford, assert... Read More >

Lincoln Approves Long Term Disability Benefits After Four Year Fight

With financial protections afforded to disability insurance companies under ERISA that insulate them from extra contractual damages there is v... Read More >

Cigna Sued For Failing To Make A Timely Decision on Appeal

If your disability insurance claim has ever been denied you will have received a formal denial letter from your insurance carrier in which you... Read More >

Lincoln National LTD Denial for Pre-Existing Condition Reversed on Appeal

On December 8th of 2020, a new employee at ServerCentral, now known as Deft, a well-known IT ... Read More >
Disability Lawsuit Stories
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Showing 8 of 763 Lawsuit Stories

Nestle Waters employee sues Assurant for denial of disability benefits under ERISA

A disability attorney recently filed a Federal lawsuit in Pennsylvania against Assurant, Inc. (Assurant), Assurant Employee Benefits (AEB), an... Read More >

Federal Judge orders Union Security (Assurant) to re-evaluate disability denial due to failure to consider risk of substance abuse relapse as disabling condition

In any claim for any disability benefits, the deciding factor which disability insurance companies will decide on will be whether you are what... Read More >

Tribal court retains jurisdiction for tribal member's disability insurance lawsuit against Assurant and Union Security

When Richard Geroux brought a long-term disability insurance underpayment complaint before the Tribal Court of the Keweenaw Bay Indian Communi... 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 te... Read More >

Court Finds Irregularities in Procter & Gamble Long Term Disability 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 limit... Read More >

Federal Judge Makes Companion Life Insurance Pay Long Term Disability Benefits

Companion Life tried to play games and deny long term disability benefits, but thankfully a New Mexico Federal Judge made them pay disability ... 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 e... 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... 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.