Alabama Disability Insurance Lawyer Representation for Your LTD Insurance Claim

Our network of Alabama disability insurance attorneys has helped disabled claimants from Alabama and individuals from all over the United States to secure disability insurance benefits. Due to our daily involvement with short and long term disability claims, we know all of the exploits disability insurance providers attempt to use to cheat hard-working individuals out of their deserved disability benefits, as well as how to effectively combat these actions.

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As the 23rd largest state and a population of approximately five million, Alabama is home to three different federal courts. There are hundreds of ERISA disability insurance denial lawsuits filed in Alabama each year and some very pro-claimant court decisions have been issued by Alabama Federal Judges. Our disability insurance attorneys are prepared to help you at any stage of your disability insurance claim. While the standard of review of disability lawsuits filed in Alabama can make it difficult for a claimant to prevail, our disability benefit attorneys are skilled at giving you a very strong chance of collecting benefits. Due to the higher populations, we often see more disability insurance denials in Birmingham, Mobile, Montgomery, Tuscaloosa, and Huntsville. If you need assistance with your disability claim anywhere in the USA, then call us at 800-698-9159 today to learn how we may be able to assist you. We also encourage you to learn more about our firm by reviewing the About Us page.

A Summary of Alabama Disability Insurance Lawsuits

As mentioned above there are numerous Alabama disability lawsuits filed every year. We have summarized some Alabama court decisions so that you can learn more about how an Alabama federal judge may evaluate your ERISA or Non-ERISA disability insurance benefit denial.

The following sites are useful resources in learning about the Alabama court system:

STATE COURTS

FEDERAL COURTS

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
(681)
Showing 4 of  681 Reviews
Mutual of Omaha

DENIED PRE-EXISTING

Reviewed by Blackmon on March 19th 2026   Verified Policyholder | February 2026 date of disability
I filed a claim with Mutual of Omaha because I had a hip replacement surgery. My family doctor referred me to an orthopedic surgeon. Mutual of Omaha denied my claim saying...
Hartford

Total INCOMPETENCE!!!

Reviewed by Bryan on January 23rd 2026   Verified Policyholder | December 2025 date of disability
They don't answer or return calls... lack of communication... unorganized... takes 3-4 weeks after approval to recieve a check... they mail checks on a friday... mailed me...
Sun Life

Worst company ever

Reviewed by Danyette on January 23rd 2026   Verified Policyholder | December 2025 date of disability
I hate them, nothing else to say.
Lincoln Financial

Not getting paid on time

Reviewed by Jim on January 7th 2026   Verified Policyholder | October 2025 date of disability
From the very start they have not tried to work with me at all. So I went out for a knee surgery and it took a month and a half to get my first check. When I had turned al...
Answered Questions by Our Lawyers
(1)
Showing 1 of  1 Answered Questions

Q: What do I do if my short term ran out and New York Life closed my case?

Answered on March 22nd 2017 by Attorney Jay Symonds
A: Levi, closed your case as in denied a claim for long term disability after the ending of your STD? If so, you ...
Helpful Videos
(925)
Showing 12 of  925 Videos
Disability Benefit Tips
(331)
Showing 4 of  331 Benefit Tips

Can a Disability Claimant Refuse to Attend an IME During an Appeal?

The main issue in Stevens v. Sun Life and Health Insurance Company is whether a claimant’s refusal to attend an IME means the administrative remedies have not been exhausted so that a subsequent ERISA lawsuit must be dismissed. The controversy began when Sun Life terminated Stevens short-term disability about the same time that she filed a claim for long-term disability benefits. This claim was denied and sh...

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...

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...

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 ...
Our Resolved Cases
(388)
Showing 4 of  388 Our Resolved Cases

Lincoln LTD Denial Reversed for an Occupational Therapist that was Denied Benefits After 24 Months

Our now client came to us after she received a denial letter following her receipt of long term disability benefits (“LTD”) for a period of 24 months. This is very common as with any denied claim, at the 2-year mark is when many ongoing claims are denied. Why? Typically group long term disability insurance policies have special provisions that kick after 24 months of be...

After appeal filed by Attorney Jay Symonds, Hartford overturned its second denial of long term disability benefits for Alabama CEO

Our client, Mr. H, formerly worked as a CEO of an engineering services contractor. In February 2016 a number of medical issues, including Cardioembolic Stroke as well as associated cardiac and cognitive issues, forced Mr. H to stop working and submit his claim for disability benefits, first under his employer’s short-term disability (STD) policy and then continuing under its long-term disability (LTD) policy...

Dell Disability Lawyers Appeal Team Lead by Attorney Cesar Gavidia Successfully Appeal CIGNA's Denial of Benefits to Disabled Lockheed Martin Tech Manager With Traumatic Brain Injury

In 2011, Kris was involved in a serious motor vehicle accident which resulted in a severe closed head injury, hangman’s fracture (fracture of the C2 spine), and multiple orthopedic fractures including a femur fracture. He required multiple surgeries and was placed in a medically-induced coma for 4 days. Following the accident, Kris continued to suffer from chronic daily headaches, memory and cognitive proble...

After appeal filed by Attorney Jay Symonds, Hartford overturned its previous denial of long term disability benefits for Alabama CEO

Our client, Mr. H, formerly worked as a CEO of an engineering services contractor. In February 2016 a number of medical issues, including Cardioembolic Stroke as well as associated cardiac and cognitive issues, forced Mr. H to stop working and submit his claim for disability benefits, first under his employer’s short-term disability (STD) policy and then continuing under its long-term disability (LTD) policy...
Disability Lawsuit Stories
(766)
Showing 4 of  766 Lawsuit Stories

Federal Court Reverses Unum's Denial of Long-Term Disability Benefits

The case of Arturo J. Otero v. Unum Life Insurance Company of America has an extensive procedural history going back to 2005 when Otero first applied for disability benefits due to his atrial fibrillation. He had a contentious bout with Unum at that time and returned to work on a part-time-basis in 2010. He continued to pay premiums to Unum for disability coverage.In February 2013, Otero filed a new claim ...

United of Omaha Life Insurance Co. Denial of Long Term Disability Benefits Reversed By Alabama Judge

A recent disability insurance court decision against United of Omaha Life Insurance Company, and affiliate of Mutual Of Omaha Insurance Company is a great victory for claimants suffering with either fibromyalgia or rheumatoid arthritis. The Alabama Federal Judge states in her 39 page written opinion that it was abuse of discretion for United of Omaha to deny disability benefits during the any occupation stage ...

Alabama Court Refuses To Consider Additional Medical Evidence Submitted After Metlife's Denial Of Claimant's One Mandatory ERISA Disability Appeal

An Alabama Court recently made an interesting and important ruling in an ERISA lawsuit filed against MetLife that prohibited the Court from considering any medical evidence the Plaintiff submitted to MetLife for review after MetLife had already denied the Plaintiff's one mandatory administrative appeal allowed under the disability insurance policy (the Plan).What is an "Administrative Record" in an ERISA D...

Wells Fargo disability claimants in Alabama and Florida file lawsuits against Liberty Life Assurance Company of Boston for unpaid long term disability benefits

Wells Fargo disability claimants in Alabama and Florida file lawsuits against Liberty Life Assurance Company of Boston for unpaid long term disability benefits.Recently, two Wells Fargo employees were forced to file Federal Lawsuist against Liberty Life after being denied disability benefits. Utilizing the services of an Alabama and a Florida Disability Lawyer, the two lawsuits are currently pending. Let's...

Reviews from Our Clients

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Five Ways We Help Get Your Disability Benefit Paid

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 800-698-9164 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.

Let's discuss your disability insurance claim

Call 800-698-9164 now to speak with one of our disability insurance lawyers or email one of our attorneys for an immediate response.

Five Ways We Help Get Your Disability Benefit Paid

Helpful Resources