Alaska Disability Insurance Lawyers

Disability insurance attorney Gregory Michael Dell and our team of Alaska disability insurance lawyers have been fighting for the rights and benefits of Alaskans and claimants nationwide since 1979. The same disability insurance carriers who make purchasing a policy from them easy frequently make collecting benefits from a claim next to impossible. You buy a disability policy in order to give yourself a financial cushion to protect you and your family if you become disabled and cannot work. It is unfair for the company to deny these benefits when you are entitled to them.

If you are disabled, unable to work and your claim has been denied, the time to fight back against the big insurance companies has come. They use high-powered law firms to find and create loopholes that allow them to limit or deny your claim. With Dell & Schaefer in your corner, you have no reason to fear those legal teams. We provide the legal power you need to combat this wrongful denial.

Standards of Review for Disability Appeals in Alaska

When an insurance provider avoids paying a claim by abusing their power to deny it without an adequate reason, it is referred to as acting in an “arbitrary and capricious” manner. If this is the situation in your claim, that denial may be unsound. Our Alaska disability insurance lawyers can help determine if the insurance company’s actions qualify your claim for a “trial de novo.” That means an opportunity to have your case heard again as though it is the first time. You may be eligible if the appeals court rules that a lower court was biased in their judgment and consequent denial of your claim.

Disability benefits claims made through individual policies will most likely be heard in a state court. However, under ERISA guidelines, federal courts govern group claims. If your policy was offered by your employer, it is probably a group policy, and your case will most likely be heard in federal court. Attorneys at Dell & Schaefer are very experienced in representing clients in both federal and state courts.

In general, a disability claim denial suit governed by ERISA can be filed in any state where the insurance company conducts business. Contact us today and let a Dell & Schaefer attorney evaluate your case to decide what steps should be taken next, as well as which court system you will need to work with.

Resources for Alaska Disability Insurance Benefits

Specific information about your Alaska’s justice system can be found in these links to the official government sites:

STATE COURTS

FEDERAL COURTS

Call Today to Speak With Our Alaska Disability Insurance Lawyers

Call us today toll free at 800-682-8331. One of our experienced disability insurance lawyers can evaluate your case to determine if it warrants an appeal. During your free initial consultation, we will give you our honest valuation of your case and go over your legal options and the next steps you should take. We use software such as Skype and GoToMeeting to meet with clients who are not able to travel to one of our offices – it allows us a face-to-face meeting without the trip.

We are regularly updating any disability law changes in Alaska on this page. Bookmark our site to stay knowledgeable about developments that could affect your benefits. You can also search our resolved cases to learn more about how we help others like you who have disabling conditions.

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.

Learn more

Sue Your Disability Insurance Company

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

Learn more

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

Learn more

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.

Learn more

Disability Company Reviews
(617)
Showing 8 of 617 Reviews
Prudential

Prudential terminated my LTD, so now I have no income

Reviewed by Carlos M on June 10th 2022   Verified Policyholder
I was working at a shipyard at San Diego and hurt my back again while working. Hurt my back in the US Navy in 98 and had issues since then so I decided to get the surgery ... read more >
Reply
Sent on June 11th 2022 by Attorney Rachel Alters

Carlos, yes we may be able to help. Please email your denial letter to Rachel@diattorney.com and cc Amanda@diattorney.com. Thank you.

Lincoln Financial

Lincoln Financial made my life a living hell

Reviewed by Salyna D on June 1st 2022   Verified Policyholder
Lincoln Financial made my life a living hell. I went on medical leave from my job just to work for them basically. My mental health is worse than it was and I still do not... read more >
Reply
Sent on June 2nd 2022 by Attorney Stephen Jessup

Salyna, I am sorry to hear about your experience. I wish I could say it is an anomaly, but it is an all too common occurrence. Depending on if the claim was ever approv... read more >

MetLife

They demanded an overpayment, stopped my claim, and lied about it

Reviewed by Diana R. on May 28th 2022   Verified Policyholder
Metlife over paid me. Stopped my Ltd claim. The overpayment were not done right. They lied and said they deposited money in my account.
Reply
Sent on May 28th 2022 by Attorney Alex Palamara

Diana, I am sorry to hear of this denial and the demand for an overpayment. Please contact us so that we can review your claim and see if we can get you back to receivi... read more >

Sun Life

Sun Life is a real pain

Reviewed by Chris K. on May 20th 2022   Verified Policyholder
Sun Life is a real pain. I just want them to buyout my long term disability policy, but they keep playing around and around. I just to be left alone and given my lump sum ... read more >
Reply
Sent on May 20th 2022 by Attorney Rachel Alters

Chris, you can contact me at Rachel@diattorney.com and we can set up a call to discuss your buy out options.

Unum

I feel like Unum is giving me the runaround!

Reviewed by Rachelle H. on May 11th 2022   Verified Policyholder
I have contacted UNUM multiple times since I’ve needed them. I feel like they are giving me the runaround! Please help!
Reply
Sent on May 11th 2022 by Attorney Stephen Jessup

Rachelle, the law provides certain timelines and deadlines with which to provide information or decisions. Please feel free to contact our office to discuss your situat... read more >

Cigna

Payment delays!

Reviewed by Kim W on May 7th 2022   Verified Policyholder | September 2021 date of disability
I have a Long term disability claim with Cigna. Approval process did not take too long and they did start my LTD just a few days after my STD ended. First check was mailed... read more >
Cigna

Cigna (NYL) denied my claim

Reviewed by Trapped in the cogs on March 7th 2022   Verified Policyholder | May 2021 date of disability
I’ve been an RN for 31 years. I lost 6 family members (3 of those to cancer) in 9 months and suffered a breakdown, I just couldn’t watch people die anymore. Cigna (NYL... read more >
Unum

I don’t understand how they can get away with this

Reviewed by Patti Welch on November 7th 2012   Verified Policyholder
I was living in Fairbanks, Alaska. And got very sick. Ended up in hospital for 2 days. Was told to get my own doctor, which I did. He refused to let me return to work and ... read more >
Reply
Sent on November 7th 2012 by Attorney Gregory Dell

Patti, Did you ever appeal the Unum denial of benefits? If you did, then you may still have time to sue Unum and seek reinstatement of benefits.

Answered Questions by Our Lawyers
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Helpful Videos
(729)
Showing 12 of 729 Videos
Disability Benefit Tips
(324)
Showing 8 of 324 Benefit Tips

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 >

Application Tips: Northwestern Mutual Disability Benefits - Top Denial Reasons

Every disability insurance policy is different, and whether your disability insurance claim i... Read More >

Is UNUM a Good Insurance Company?

One common question the attorneys here at Dell & Schaefer receive comes from policyholder... Read More >

Don’t Ignore Disability Insurance. Here’s What to Buy.

Disability insurance is one of the most important insurance products, yet the vast majority of people working don’t have it. 35% of employer... Read More >

How To Get Long Term Disability Benefits Approved Due To Neck Pain

If you have a disability claim that involves neck pain, you might be wondering exactly how mu... Read More >

What is disability insurance? What type of disability income policy should you buy?

Disability insurance also known as disability income insurance is an insurance product that will pay a monthly benefit amount if you are unabl... Read More >
Dell Disability Cases
(349)
Showing 8 of 349 Dell Disability Cases

Hartford Denies Disability Benefits To Home Depot Employee 3 Weeks Before Change of Disability Definition

Our client was a former in-store merchandising associate responsible for the movement of merc... Read More >

Lincoln overturned its previous denial of LTD benefits for Escalation Engineer

Our client, Mr. E, formerly worked as an Escalation Engineer for a national data services and data management company. For many years Mr. E ... Read More >

JP Morgan Chase Financial Advisor With Cancer Wins Prudential Long Term Disability Appeal

Our client was a 58 year old private client advisor for JP Morgan Chase Bank. He wa... Read More >

NY Life Disability Benefits Reinstated on Appeal Despite Independent Medical Examination

Our client, a former high level medical sales representative, suffered from chronic pain stem... Read More >

Unum Approves LTD Benefits for Pharmacist with Eye Disorder

Rachel Alters of Dell Disability Attorney’s currently represents an Ambulatory Operations P... Read More >

Teacher's Disability Benefits Reinstated by MetLife

Our client, a former elementary school teacher in Broward County Florida was forced to stop w... Read More >

Billing Manager With Back Disorder Wins Unum Long Term Disability Denial Appeal

Despite suffering with chronic knee and back pain for 7 Years, Unum still needed to be convi... Read More >
Disability Lawsuit Stories
(764)
Showing 8 of 764 Lawsuit Stories

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 >

Can Standard Insurance Company’s Failure to Raise an Issue be Considered a Waiver?

The case of Jose Chavez v. Standard Insurance Company has quite a history with the United States District Court for the Northern Dis... Read More >

Court Ordered Aetna to Pay LTD Benefits to Computer Engineer

In Darren Cohen v. Aetna Life Insurance Company [Aetna], Plaintiff was employed by STEC, Inc. as a Computer Systems Engineer where h... Read More >

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... 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.