• Assurity Life Insurance Company - Disability Insurance Lawsuits InformationAssurity Life Insurance Company - Disability Insurance Lawsuits Information

Assurity Life Insurance

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

Assurity Life sells short term and long term disability policies. In 2007, Assurity Life, Security Financial Life and Lincoln Direct Life joined together to operate under the Assurity name. Assurity has reported assets in excess of 2.2 billion dollars. Assurity states that there company history goes back to the late 1800s.

Assurity Life employs over 400 people throughout 49 states and the District of Columbia and serves approximately 420,000 customer accounts. Assurity Life provides group and individual life insurance, disability income protection, and annuity products.

As disability insurance attorneys, Dell & Schaefer is represents claimants with their long-term disability claims against Assurity Life and its affiliated companies.

Disability Attorneys Dell & Schaefer provide the following legal services for disability claimants that have a short-term or long-term disability insurance policy purchased from Assurity Life:

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There are 13 comments

  • Chris, please feel free to contact our office to discuss with one of our attorneys how we can assist you with handling your claim.

    Stephen JessupFeb 1, 2017  #13

  • I have been collecting on a complete disability claim for a spinal cord injury with surgical complications,Assurity sent me a ton of forms to fill out. I am working an out of home job at 25% of my prior pay level with varying hours and now the FDA 2017 laws regarding pain meds may make me discontinue all work. How can I get help knowing what to fill out and what not to fill out.

    ChrisJan 30, 2017  #12

  • John, I would discuss all the options you have with your insurance agent/person selling the policy. In my opinion, when purchasing an individual disability product it is always a good idea to purchase the Own Occupation Rider, along with the COLA rider.

    Stephen JessupMay 12, 2016  #11

  • I am considering purchasing an Assurity disability policy. I work in an office as a software developer. How important is Own Occupation as a rider, especially considering that Assurity will continue paying even if I take another job if the new job does not pay as much as the benefits. If I was disabled, there’s no way I’m going to find another job paying as much as I make doing what I do. That said, I’d have to be about bed-ridden to be disabled from my job.

    John W.May 11, 2016  #10

  • Adam,

    If your policy is only for a limited benefit period it is likely that Assurant would not negotiate any type of lump sum benefit. However, please feel free to contact our office to discuss your policy further.

    Stephen JessupSep 5, 2015  #9

  • I have a short term of 2 years disability with Assurity Life insurance co since 2005, and since than I collected 3,150$ a month. I got injured many times with new injuries so even if I worked for couple a days I collected for 2 years each time, now I’m injured all over my body, so I had to work lately for 1 year in order to collect for 2 years, and I’ve been on this since 2001. At this present time I’m collecting for 2 years and it’s 1 year left to collect, and when it ends I will go back to work 1 year in order to collect again, approved all the time by my doctor since I’m badly injured, my policy is till 65 year old, and I’m 47y.old. So I want to settle with them with a descent ammount.

    Adam J.Sep 4, 2015  #8

  • So far not happy with Assurity but will wait to see how much longer it will take to get paid. Been off since June 4 and still jumping through hoops.

    TerryJun 24, 2014  #7

  • Ken,

    You first need to get a copy of your original policy and read it. You should also request a copy of your initial underwriting policy to see if the application had anything about a refund of premium paid if you never made a claim. It is a rare option that is offered.

    Gregory DellMar 1, 2012  #6

  • I took out a Disability Policy 15+ years ago with my Nationwide Agent. That Policy was transferred to Aurrity several years ago. I have made quarterly payments and never filed a claim. Same hold true for other Nationwide Policies.

    I was told by this Agent 15+ years ago that I would get all my Premiums back at age 65, if I never made a claim. Policy is still in force.

    I just tuned 65 and the Agent denies it. I now don’t know if that is even in the Policy, I am still looking for the paper work. I have not made claims on this policy, home, umbrella, and 2 auto after paying premiums for decades. I don’t make unwarranted claims, but I know what I heard. Do I have any recourse?

    Ken TuroczyFeb 29, 2012  #5

  • Harry,

    If your brother had a pre-existing condition and he became disabled during the pre-existing elimination period, then Assurity may have been correct in denial of disability benefits.

    Gregory DellSep 26, 2011  #4

  • My brother had triple bypass heart surgery a few years back. He went to have a stress test and blockage was discovered. Assurity denied his claim, they said that he knew he had that pre-existing condition. I recently filed a claim and I guess I will need a lawyer too.

    Harry HamiltonSep 21, 2011  #3

  • Ekay,

    In order for us to determine if we can assist you with an Assurity disability insurance claim denial, then we need to review your denial letter. The language of your Woodmen disability policy should govern. Contact us to to discuss your disability denial.

    Gregory DellSep 19, 2011  #2

  • I have an old (1986) disability policy issued under Woodmen and now, since a merger, is under Assurity. I have been denied because the Woodmen policy has a provision that states one can return to a new period of disability after returning to a comparable occupation for 30 hours per week for 6 months.

    Assurity claims the occupation must be the same, at the same amount of money as when the disability occurred in 2004 – they pay no attention to what the policy states in 1986 and apply a loose meaning to the terms in the policy so that they can deny.

    EkaySep 17, 2011  #1

FAQ

Do you handle ERISA Assurity Life appeals?

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

Do you help with Assurity Life applications?

The application for disability benefits with Assurity Life is the foundation of your claim. One mistake can result in your claim for disability insurance benefits being denied by Assurity Life. 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 Assurity Life. We welcome you to contact our attorneys to discuss important information about applying for disability benefits with Assurity Life.

Do you file Assurity Life lawsuits?

If Assurity Life has denied all of your ERISA disability appeals, then you have the right to file a lawsuit in federal court against Assurity Life. 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 Assurity Life. Our disability insurance lawyers know what to expect with the challenges filing a federal lawsuit against Assurity Life.

Can you help with a Assurity Life disability Insurance denial?

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

Do you manage Assurity Life monthly claims?

Monthly disability insurance claim management is a unique service we offer. Our goal is to make sure your Assurity Life disability benefits continue for as long as you need them. Many claimants either don't trust or experience aggravation dealing with Assurity Life. Disability Insurance Attorneys Dell & Schaefer manages every aspect of your claim for disability income benefits from (Assurity Life. Assurity Life 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 Assurity Life lump sum buyout?

Lump sum buyouts and disability buyouts are occasionally offered by Assurity Life. Our disability lawyers have established relationships with the people at Assurity Life that make the decisions on disability buyouts. We have negotiated hundreds of lump settlements with Assurity Life. 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.

Reviews   *****

Josh C.

After suffering with the symptoms of ME/CFS for nearly 3 years, I was finally diagnosed with ME/CFS in August of 2011. I filed a claim and was approved by my disability insurance carrier initially. After a little over one year of not working, I started seeing some minor improvement. I told my doctor about the improvement and my carrier took that as news that I was now ready to return to work, which was far from the truth. My doctor told me not to go back to work yet, knowing it would only set me back and reverse my progress. My insurance carrier did not care and they made me attempt work. If I didn’t follow their rules they were going to drop me. I had no idea what to do or what my rights were in my disability contract. I called Greg Dell.

Greg gave me great advice. He spent a great deal of time on the phone with me answering all my questions, explaining all my options and recommending the best course of action. He was able to explain things to them that just made sense. I have been working with him for well over a year. He could articulate what I and my doctors were saying that I was not able to on my own. Anyone with ME/CFS knows how incredibly hard and difficult it is to try and explain your symptoms and limitations to someone.

Greg actually gets it and is who you want in your corner when you’re dealing with an insurance company that is not your friend. Greg was able to get me back on total disability with no work requirement. Unfortunately the work I had to do for those months in between did set me way back in my recovery, but that only makes me wish I had gone with Greg from the get go instead of waiting for a crisis that could have been prevented.

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