Nationwide Disability Insurance Claim Representation

Wherever you live, our law firm wants to help you with your disability insurance claim. The disability insurance companies are nationwide and so are we. Our 17,000 square foot office headquarters is located in Weston, Florida and we have satellite offices available by appointment in every state.

Due to the way disability insurance claims are processed and the time sensitivity of the claims, it is a very rare occurrence in which a client needs to meet with us at one of our offices. We efficiently handle every aspect of a client's claim via phone, fax, video messaging or email, and our clients love having everything handled from the comfort of their home. Our office is paperless and we have designed a custom case management system allowing our lawyers to obtain real time information about a client's case at any time and any place.

We are obsessed with providing our clients with the best possible legal service. We encourage you to contact us for a free immediate phone consultation with one of our disability attorneys. I think you will be surprised to see that one of our attorneys will immediately take your call which is unlike any other disability law firm.

Take a look at our Client Reviews to see the great feedback we have received and the high level of legal service we can offer you.

All correspondence shall be mailed or faxed to:

Dell Disability Lawyers' Nationwide Headquarters
2625 Weston Road
Weston, Florida 33331
Local Phone Number: 800-698-9159
Nationwide Central Fax: 1-888-776-3876

Find your state below for disability insurance information in your area:

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
(656)
Showing 8 of 656 Reviews
Sedgwick

Don't trust them, they like to play games

Reviewed by Bob on November 14th 2024   Verified Policyholder | June 2024 date of disability
They suck the life out of people that need help. They falsely advertise for helping people that they care. Sorry to tell you it's all about money, they do not care for any... read more >
New York Life

Lyme Disease Disability Claim Denial

Reviewed by Bob C. on November 13th 2024   Verified Policyholder
I have had repeat claims for genuine medical leave and they have repeatedly been denied by NY Life. I have even been diagnosed with Lyme and going through treatments and t... read more >
New York Life

Disappointed with NY Life Disability Excuses

Reviewed by Carina S. on November 12th 2024   Verified Policyholder
I am beyond disappointed with NY Life Disability Insurance’s handling of my father’s claim. My father, a 66-year-old man who has suffered two strokes and continues to ... read more >
New York Life

New York Life is a joke!

Reviewed by Heather on October 3rd 2024   Verified Policyholder | August 2024 date of disability
This company sucks when it comes to disability claims. They are slow at processing stuff, then they always say they didn't recieve the doctors information. You spend your ... read more >
MetLife

They FULL OF ****

Reviewed by KM on October 3rd 2024   Verified Policyholder | August 2024 date of disability
MetLife is what everyone on this review are saying. They don't contact you to let you know what's going on with your claim or to let know you need additional info. I had a... read more >
Sedgwick

Worst Company Ever

Reviewed by RobRob on September 23rd 2024   Verified Policyholder | August 2024 date of disability
If something happens to you at work you better hope you die, my son is going through HELL because this company is handling his work comp. NO RETURN PHONE CALLS, TEXTS, EMA... read more >
MetLife

MetLife for disability? Avoid the surgery unless it's life-threatening

Reviewed by Jeff on August 22nd 2024   Verified Policyholder | August 2024 date of disability
The worst company I ever dealt with, never received a call from my claim manager.
Reliance Standard

Short Term Disability Claim/Inconsistent to NO Communication

Reviewed by GaKRN on August 22nd 2024   Verified Policyholder | June 2024 date of disability
When I did call & reach a live person they were kind & helpful. The person assigned to my claim left one phone message & I have not spoken to her since. Information she re... read more >
Answered Questions by Our Lawyers
(679)
Showing 8 of 679 Answered Questions

Q: If I am covered by Guardian STD, why are they telling me to file with the state?

Answered on November 19th 2024 by Attorney Gregory Dell
A: Guardian is telling you to file with the state as they will get an offset for anything the state pays you. Read More >

Q: Can The Hartford offset my LTD on my VA disability compensation or back pay?

Answered on November 14th 2024 by Attorney Jay Symonds
A: Tim, the Policy will define what other sources of income can offset or reduce your monthly benefit. Not all Po... Read More >

Q: Can Hartford lower my long term disability check if I take my money out of my Vanguard account?

Answered on November 14th 2024 by Attorney Gregory Dell
A: Thank you for your question. Hartford may be able to reduce your monthly benefits and seek an overpayment if y... Read More >

Q: My dad needs to be on disability, but needs to work - how can we make this happen?

Answered on October 28th 2024 by Attorney Gregory Dell
A: I am sorry to hear about your dad’s situation. If he continues to earn the same income at his same job then ... Read More >

Q: Relocation

Answered on October 8th 2024 by Attorney Gregory Dell
A: Thanh:Moving within the USA should not impact your claim. You must make sure that you continue with your m... Read More >

Q: What is the Statute of Limitations on ERISA claims in the State of California?

Answered on March 7th 2024 by Attorney Gregory Dell
A: The statute of limitation is governed by your policy and its usually 3 years. It’s not clear cut to determin... Read More >

Q: Does the reviewing physician (the doc hired by the insurance company) have to be licensed to practice medicine in the state where the claimant resides?

Answered on August 28th 2023 by Attorney Gregory Dell
A: Judith,This is a great question. Our understanding is that since the doctor is not establishing a doctor pat... Read More >

Q: Is it possible to be approved for state disability but not by my insurance company?

Answered on February 22nd 2019 by Attorney Gregory Dell
A: Elizabeth, Lincoln financial will evaluate your disability claim according to the terms of your disability pol... Read More >
Helpful Videos
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Showing 12 of 908 Videos
Disability Benefit Tips
(331)
Showing 8 of 331 Benefit Tips

Why Must Your Disability Insurance Lawyer Understand Your Disabling Condition?

When it comes to securing your disability insurance benefits, it's vitally important that your disability insurance lawyer thoroughly understands the symptoms and impact of your disabling condition. Doctors can help you create strong medical records, but they're not accustomed to dealing with the rigorous documentation disability insurance companies require. Lea... 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 concerned that you're facing an uphill battle. Fortunately, the stronger your medical evidence, the greater the odds that your claim will be approved. On the other side of the coin, one of the most common reasons for denial of long term disability benefits involves too-weak med... Read More >

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

When you're seeking disability insurance benefits, your medical records and treating physician's statement are two of the most important components of your claim. But because the insurance company has a vested interest in denying your disability insurance claim, it often will rely on tactics like ambushing your doctor with a phone call in an attempt to get them ... Read More >

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

One thing many disability insurance claimants don't know about (or expect) from the claims review process involves video and social media surveillance. Disability insurance carriers often hire people to follow claimants around with a telephoto lens - or even send social media friend requests from fake accounts - to glean whatever information they can about the c... 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. You are sick and not able to work, yet your disability insurance company is telling you to return to work. The disability insurance company has denied your disability benefit claim and is basically calling you a liar. When receiving a disability denial letter or a ph... 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 the change in the disability insurance policy's definition of "disability." This definition change often happens in conjunction with a vocational review, or an analysis of a claimant's medical records that tells the insurance company which jobs the claimant should be able ... Read More >

Disability Denial Reason #1 – Paper Review & IME

At Dell Disability Lawyers, we've seen insurance companies give countless reasons to deny long term disability benefits. However, most disability benefit denials tend to fall into one of a few categories - and one of the biggest ones is the paper review and independent medical exam (IME). Learn more about what this review process entails and what your claim file... 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 things in the process. When you’re experiencing an injury or illness that makes it difficult (or impossible) to work, it can be tempting to file a claim as quickly as possible – but unless a claimant has all their ducks in a row, this could actually delay the ultimate r... Read More >
Dell Disability Cases
(375)
Showing 8 of 375 Dell Disability Cases

Sun Life overturned previous denial of LTD for California Diagnostics Manager

Our client, Ms. G, formerly worked as a Diagnostics Manager for a regional Healthcare System. In October 2016 a number of medical issues, including Stage IV Ovarian Cancer Neoplastic Fatigue, Major Depressive Disorder, Language Disorder and Cognitive Impairment forced Ms. G to stop working and submit her claim for disability benefits under her employer’s long-term disability (LTD) policy, which was funded an... Read More >

Cigna Finally Approves Claim for LTD Benefits for Former Nurse Employed at Hollywood Presbyterian Medical Center

Our client was previously employed as a Registered Nurse at Hollywood Presbyterian Medical Center in California. She worked faithfully there since 2007. Being a nurse was more than a job, it was her life. Unfortunately for our client, she was forced to stop working in July 2016 when the pain from her lower back issues made it impossible for her to continue to work as a Nurse. She also suffered from depression,... Read More >

Accountant who was previously on claim for 7 years gets LTD re-approved after Appeal to Lincoln Financial Group

An Accountant for LA County was forced to stop working in 2009 after suffering the crippling effects of Rheumatoid Arthritis, Fibromyalgia, and numerous other debilitating conditions such as Chronic Fatigue Syndrome, Bodily Pain, Osteoarthritis, Neck Pain, Cervical Disc Disease, Carpal Tunnel Syndrome, Low Back Pain, and Lumbar Disc Disease. Due to the multiple chronic and disabling conditions affecting the cl... Read More >

After appeal filed by Attorney Jay Symonds, NWM overturned its previous denial of long term disability benefits for California Customer Relations Supervisor

Our client, Ms. D, formerly worked as a Customer relations Supervisor in at an Institutional Investments firm. In February 2014 a number of medical issues, including chronic pain, rheumatoid arthritis, Sjogren’s syndrome, Behcet’s syndrome, neuropathic pain, chronic migraine, diffuse connective tissue disease forced Ms. D to stop working and submit her claim for disability benefits under her employer’s l... Read More >

Standard overturns decision to deny disabled Project Manager long-term disability insurance benefits after first Appeal

Terry had worked as a project manager for a large national health group earning over $85,000 annually, until type 2 diabetes left him disabled and suffering from peripheral diabetic neuropathy, severe chronic pain, fatigue and depression.In addition to health insurance and other employee benefits his employer provided long-term disability insurance through Standard Insurance Company, based out of Portland,... Read More >

Unum Overturns Original Decision to Deny Benefits to Disabled Account Manager Following Appeal Submitted by Dell Disability Lawyers Appeals Team

In 2016, Sarah, an Account Manager, began suffering severe abdominal pain accompanied by bloody diarrhea. The frequency and condition was so severe that she was diagnosed with anemia from the blood loss and profound fatigue from the nutrient loss. By the end of 2016 Sarah was no longer capable of effectively performing the material and substantial duties of her own occupation as an account manager and was forc... Read More >

Team lead by Attorney Cesar Gavidia Forces Prudential to Overturn Long-term Disability Denial on Appeal for IT Support Technician Diagnosed with Cancer

Jared was an IT Support Technician before small cell carcinoma in his middle ear caused fatigue, weakness, headaches, dizziness and head pains forcing him to submit a leave from work request and file a long-term disability claim with his employer’s LTD insurer, The Prudential Insurance Company of America (“Prudential”).Clinical Specialist for Prudential Reviews Medical Records and Finds that Restrict... Read More >

Attorney Cesar Gavidia and Appeal Team at Dell Disability Lawyers Win Appeal Battle Against Unum to Reinstate Long-Term Disability Insurance Benefits to Disabled Software Engineer

Prior to disability Sam had a rewarding career as a software engineer for a large international corporation. Sam enjoyed solving complex problems for his employer through a language that few know as well as him, software engineering. Despite the love of for his job, Sam could not help but be affected by his battles with schizophrenia. For a long time it had been a constant struggle, but was more or less contro... Read More >
Disability Lawsuit Stories
(765)
Showing 8 of 765 Lawsuit Stories

California Federal Judge Orders Standard Insurance Company to Pay Disability Benefits to Teacher with Lyme Disease

In Tisha Entz v. Standard Insurance Company, Plaintiff Entz was a classroom teacher in Victorville, California from 1997 until she became too ill to work following the end of the 2014-2015 school year on June 10, 2015. She applied for her disability insurance benefit provided by her employer. She alleged in her claim for disability insurance benefits that her first day off work should be August ... Read More >

Court Orders Aetna to Pay LTD Benefits to Plaintiff Suffering from CFS

In Nancy Devries v. Aetna Life Insurance Company (Aetna) plaintiff worked as First American as a Senior Business Analyst until August 19, 2016. On that day, she stopped working. A few days later, she filed a claim for short term disability (STD) benefits.Plaintiff was under continuous care of her primary care physician, an immunologist, and a physician’s assistant (PA). She had freque... Read More >

California Federal Court Overturns MetLife’s Denial of Disability Benefits

Application for Long-term Disability Under Kaiser Health PlanRenee Monroe worked as a Human Resources Compliance Specialist for Kaiser Foundation Health Plan, Inc. (“Kaiser”). Beginning in 2013 Ms. Monroe began experiencing significant low back pain and was taking off of work by her physicians. An MRI of her lower back indicated diffuse disk bulges at the L5-S1 vertebral disc. Ms. M... Read More >

California Federal Court Orders Metropolitan Life Insurance Company to reinstate benefits to disabled analyst

Prior to disability, David Do was employed as an Analyst-Desktop services for IVZ, Inc. He was responsible to resolving and handling “all support calls relating to desktop software/hardware installation and maintenance.”Mr. Do was insured under an employer sponsored long-term disability plan administered and funded by Metropolitan Life Insurance Company. In February 2013, Mr. Do injured his neck, back ... Read More >

California Court Overturns Prudential Denial of LTD Benefits

In reviewing long term disability denial letters we find that there are a handful of industry wide arguments made by insurance companies to minimize the nature of one’s occupation. The most common being the downplaying of the cognitive demands of a given occupation in favor of focusing solely on the physical demands of the occupation. This often occurs when (1) the nature of the disability is due to a medica... Read More >

Metlife Denial of Long Term Disability Benefits For Heart Disease Claimant is Reversed

A California federal court recently reversed Metlife's denial of long term disability benefits for a claimant with heart disease. Metlife attempted to rely on a ejection fraction rate reading as a basis to deny the claim. The Federal Judge ruled that Metlife abused their discretion and reversed the decision. In this video, we discuss the courts findings and offe... Read More >

California Court Reverses Sunlife Disability Denial for Woman with Fibromyalgia

In this video, disability insurance attorneys Rachel Alters and Gregory Dell discuss a California Federal Court decision in which a Sunlife disability insurance denial was reversed. Rachel Alters discusses the court’s frustration with Sunlife and finding that Sunlife abused their discretion by denying long term disability benefits after paying for multiple yea... Read More >

California Court Rules Disability Claim Accrues When Disability Terminates

In Gray v. United of Omaha Life Insurance Co. (United), after working for a southern California television station for 15 years and rising to the position of Vice President of Sales, plaintiff was injured in a car accident. He was completely bedridden for two months and was left with limited use of his limbs and suffered from chronic pain. He attempted to return to work, using a wheelchair part-time, but it wa... 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 insurance benefits approved. Applying for disability insurance 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 disability insurance 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 disability insurance 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 long-term disability attorneys 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 insurance attorneys 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 disability insurance 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 disability insurance 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 attorneys 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.

Our attorneys have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement in more than 98% of our cases. Our disability insurance 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 offer disability insurance attorney representation nationwide and we welcome you to contact any of our LTD lawyers 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 900 videos and regularly provide tips to help protect your disability benefits.

Who do you help?

Our disability insurance attorneys 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 insurance 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, or video conferencing sessions. 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 insurance 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.

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