Collecting Carpal Tunnel Disability Benefits Is A Reality

Since carpal tunnel is a common syndrome, some disability carriers will tell disability claimants that they should undergo surgery to alleviate their pain and resulting disability. While the majority of courts have ruled that a claimant is not required to submit for a surgery, disability insurance companies continue to argue that a claimant is not complying with the appropriate care provision if they do not submit for a carpal tunnel surgery. Most disability companies will require objective evidence of carpal tunnel syndrome which can be obtained through an EMG test, nerve conduction study, or ultrasound (which is a newer method for detecting carpal tunnel). Many claimants are diagnosed with carpal tunnel, but it is important to rule out other conditions which could cause similar symptoms. A survey of 400 American hand surgeons reported that each surgeon performed an average of 65 operations for carpal tunnel syndrome per year.

Our disability insurance lawyers have helped hundreds of disability claimants seek the short and long term disability benefits since 1979. We have worked with the some of the world’s best doctors that are experts in dealing with carpal tunnel. Insurance providers will use any excuse they can to deny your claim and save a few bucks in the process. We know the tricks they use, and we can help you to prove that your valid medical concern deserves the benefits that you paid for.

Please contact our disability insurance attorneys today and we can schedule a free consultation. We serve claimants throughout the country.

What to Do After a Carpal Tunnel Syndrome Diagnosis

If your doctor recently diagnosed you with carpal tunnel syndrome, or you suspect that you may have it, it is very important to record everything about your condition. Symptoms, amount of pain, any work dates you missed and all medical appointments could have an effect on your claim’s outcome.

It is also very important to consult a lawyer in the beginning stages. You have to fill out the disability application correctly, or your provider could deny benefits and prolong the care and relief that you need to recover. We have seen many denials based on someone checking the wrong box on the disability insurance application form.

Our Resolved Cases Featuring Carpal Tunnel

Our disability insurance lawyers have first-hand experience helping victims of carpal tunnel seek disability benefits. For example:

Carpal Tunnel And Work Related Conditions

Carpal tunnel often results from repetitive or strained hand movements. Prolonged or repetitive pressure on certain parts of the hand, arm or wrist can result in numbness, pain and weakness. People who work with computers for long hours are at a high risk of developing carpal tunnel syndrome.

Other conditions can cause carpal tunnel syndrome, including rheumatoid arthritis, diabetes, thyroid disorders, menopause, fluid retention due to pregnancy, or deposits of amyloid, an abnormal protein produced by cells in your bone marrow. If you perform any of the following tasks, you could develop carpal tunnel syndrome:

  • Repetitive hand motions
  • Awkward hand positions
  • Strong gripping
  • Mechanical stress on the palm
  • Vibration

These symptoms can affect every aspect of daily life for a person suffering from carpal tunnel syndrome both physically and emotionally. Even simple tasks can be a painful and debilitating experience. Carpal tunnel pain can literally stop you from performing any task that requires use of your hands, including gripping or lifting objects, typing on a keyboard or any other manual activity. By seeking disability, you can earn the relief you need to rest and recover.

Resources

For more information about carpal tunnel, please consult:

Check this page for updated information about carpal tunnel syndrome disability insurance claims and new disability insurance regulations that could affect your benefits.

Resources to Help You Win Disability Benefits

Disability Benefit Denial Options
Submit a Strong Appeal Package

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

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Sue Your Disability Insurance Company

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

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

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

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Negotiate a Lump-Sum Settlement

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

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Disability Company Reviews
(641)
Showing 8 of 641 Reviews
New York Life

Keeps claiming they will not approve claim for pre existing conditions but my illness is not preexisting

Reviewed by M.T. on February 15th 2024   Verified Policyholder | May 2023 date of disability
I have been appealing a claim for LTD for 8 months! New York Life keeps claiming they will not approve claim for pre existing conditions but my illness is not preexisting ... read more >
Reliance Standard

Staff Lie

Reviewed by Tanya on February 12th 2024   Verified Policyholder | August 2021 date of disability
I had my disability cut off the day I was scheduled to find out whether I should have surgery. The claims examiner was aware that I had an appointment on that date and sai... read more >
Reply
Sent on February 12th 2024 by Attorney Gregory Dell

I am sorry to hear about your experience. It’s crazy that Reliance Standard would deny your disability benefits when you are suffering so badly that you need surgery.... read more >

Hartford

Former Hartford employee has had life insurance and accidental death policy's revoked for one late premium payment

Reviewed by Becky H. THOMAS on February 12th 2024   Verified Policyholder | February 2024 date of disability
Dislike how they are constantly interrupting the lives of their disabled EE's whom are entitled to benefit which they paid into out of there pay check every pay period onl... read more >
Reply
Sent on February 12th 2024 by Attorney Gregory Dell

Thank you for your review of Hartford and we appreciate you sharing.  It’s sad they don’t take care of their own employees.

Lincoln Financial

Never received benefits my entire leave - or help with them

Reviewed by Anna on December 19th 2023   Verified Policyholder | November 2023 date of disability
I used my short term disability insurance for maternity leave and started the process beforehand knowing when I would be out (scheduled induction.) It took a little over a... read more >
Sun Life

Unscrupulous Tactics

Reviewed by Misseekayy on December 19th 2023   Verified Policyholder | May 2023 date of disability
Sunlife uses unscrupulous tactics in order to prevent payment of claims. They wait until it is close to the 30 day mark and then they ask for another form of information o... read more >
Sedgwick

Lame

Reviewed by Dennis T. on December 11th 2023   Verified Policyholder | March 2022 date of disability
My experience with Sedgwick and personell is as follows: Unhelpful, unprofessional and an overall unpleasant experience.
Unum

Low payments

Reviewed by Dorothy on November 30th 2023   Verified Policyholder | November 2023 date of disability
I was injured at work. I did house keeping in a hospital. I tore just about everything imaginable in my knee. I was let go from my job, because I was no longer able to do ... read more >
Reliance Standard

Reliance Standard never answers or returns my calls, has not provided me my benefits, and falsely claims I never provided necessary paperwork.

Reviewed by Chrystall on July 5th 2017   Verified Policyholder
I have been on STDI since April 28th, 2017 and I have only received what they say is a “courtesy payment” because they know the hardship which I am facing. I call mult... read more >
Reply
Sent on July 5th 2017 by Attorney Stephen Jessup

Chrystall, please feel free to contact our office to discuss your claim. Needless to say, the carrier is well beyond the typical timeframe to render a decision on a STD... read more >

Answered Questions by Our Lawyers
(2)
Showing 2 of 2 Answered Questions

Q: Do you take Group Disability cases?

Answered on August 21st 2023 by Attorney Alex Palamara
A: Alex, we do handle Group Disability Insurance claims. However, I must point out that the ERISA laws that gover... Read More >

Q: How can Cigna get away with not answering my calls?

Answered on July 22nd 2019 by Attorney Stephen Jessup
A: Carol, knowing Cigna it sounds like they are approving your claim on appeal for a closed period of time and th... Read More >
Helpful Videos
(861)
Showing 12 of 861 Videos
Disability Benefit Tips
(329)
Showing 8 of 329 Benefit Tips

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 >

Guardian Disability Benefit Claim Handling Tips

When you finally receive a letter from Guardian Disability informing you that your claim for ... Read More >
Dell Disability Cases
(369)
Showing 8 of 369 Dell Disability Cases

Louisiana State College Director Wins Unum LTD Appeal But Then Denied Again

Client was Regional Director for the State of Louisiana. She was diagnosed with cervical rad... Read More >

Dell Disability Lawyers Successfully Appeals Metlife Denial of Benefits to Veteran

Mr. A contacted our firm after being denied benefits by his employer’s group disability carrier, MetLife. He had been working as a superviso... Read More >

MetLife agrees to overturn its denial of long term disability benefits for Florida Doctor after an ERISA appeal filed by Alex Palamara

A Florida Anesthesiologist contacted our office after being denied long term disability benefits by MetLife. Prior to making a claim for such ... Read More >

Dell Disability Lawyers Successfully Appeals Denial of Benefits to Fedex Employee

We get calls every day from claimants seeking help with filing an appeal against their disability carriers. Often, people call us after their ... Read More >

Unum disability appeal results in settlement of Unum long term disability claim

Mr. Z had recently graduated with a bachelor's degree in information technology from a prestigious New Jersey university, and had landed an am... Read More >

Lincoln Financial Reinstates Disability Benefits Following the Submission of an Appeal for an Attorney With Wrist Injuries

Prior to filing a claim for disability, our client was a successful managing attorney at the law firm she worked for. In late 2010, she suffer... Read More >

Dell Disability Lawyers resolve lawsuit against Unum on behalf of ophthalmologist suffering from bi-lateral carpal tunnel syndrome

Our client, an ophthalmological surgeon, was diagnosed with bi-lateral carpal tunnel syndrome following a traumatic accident.  The client... Read More >
Disability Lawsuit Stories
(764)
Showing 8 of 764 Lawsuit Stories

Can UNUM Deny LTD Benefits When Plaintiff Proves Eligibility by a Preponderance of the Evidence?

In the case of Paul Luu v. First Unum Life Insurance Company of America (Unum), Plaintiff had been employed by MUFG Union Bank ... Read More >

Court Orders Sedgwick to Pay Disability Benefits to Claimant with Carpel Tunnel Syndrome Even though the Employer Offered Her Accommodations

Thornton v. Sedgwick is a fact-driven case in which a California district court ruled that Sedgwick “incorrectly determined in January 2014 ... Read More >

Michigan Court Remands Aetna to Reconsider Disability Benefit Denial

In Coulter v. Aetna Life Insurance Company, a Michigan federal court found that Aetna committed a number of errors in its review of claimant S... Read More >

Beware of Unfavorable Language Limiting the Maximum Pay Period of Neuromuscular, Musculoskeletal or Soft tissue Disorder in MetLife Group Long-term Disability Policies

Since insurance companies began underwriting and issuing long-term disability insurance policies, they have excluded and limited payments for ... Read More >

Court Rules That Walgreens Employee's Long Term Disability Claim Lawsuit Shall Not Be Dismissed

From our law firm's experience it seems that Walgreens will look for any excuse to deny short term or long term disability benefits to a plan ... Read More >

Court Throws Out Disability Benefit Denial Based on Aetna's Internal Physicians' Review

Insurance companies review the medical reasons underlying a disability benefit claim. Often, the reviewer is a doctor, nurse or economist empl... Read More >

Court Compels Metlife To Reconsider Its Decision To Terminate Claimant's Long-Term Disability Benefits

The United States District Court for the Southern District of New York recently held that MetLife's decision to deny benefits to a Plaintiff w... Read More >

Kirk & Blum/CECO Environmental Employee Files Lawsuit Against Lincoln Financial Group For Wrongful Termination Of Long-Term Disability Benefits

An attorney has filed a Federal disability lawsuit in Ohio Federal Court against Lincoln Financial Group (Lincoln). The Plaintiff, George P., ... Read More >

Reviews from Our Clients

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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.