Our Disability Lawyers Help You Collect Disability Insurance Benefits in Colorado

If you are a resident of Colorado and would like assistance with your short or long term disability benefits claim, ERISA denial, long term care, life insurance or accidental death policy, there are several things you need to be aware of. Regardless of what stage of the claim process you are currently in, it’s usually best to consult a disability lawyer and carefully go through your options before you file a disability benefits claim, appeal, or a lawsuit. In addition, it’s important to have an experienced lawyer who deals specifically with Colorado law because there are certain state-specific aspects that may affect the case.

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Our Lawyers Respond Today

When seeking assistance from a disability insurance attorney in Colorado, it is important to consider how much experience your lawyer has in dealing with your specific disability insurance company. At the Law Offices of Dell Disability Lawyers, we deal with every major disability company on a daily basis. We know every action that they will take. We have earned our reputation in both Colorado and Nationwide as aggressive, competent, and reliable disability insurance lawyers. It is essential to hire an experienced attorney with a disability insurance law firm that has the resources, co-counsel network and experience to effectively represent disability insurance claimants against these nationwide disability insurance companies.

If you need attorney representation in Colorado, please contact us for a free phone consultation. We handle disability benefits claims process at all stages: applications to disability, appeals processes, and litigation of disability lawsuits. We are available to help you with any claim in the United States and you will not be required to come to our office. If we cannot assist you, we will try to refer you to someone that can. We encourage you to look around our extensive website and download our free E-brochure to learn more about our legal services.

Attorneys for Colorado Disability Insurance Claims

What qualifies as a disability in Colorado?

Under Colorado disability law, a person is deemed to be disabled if they are unable to engage in their regular or customary work activities due to a physical or mental impairment that has lasted, or is expected to last, 12 months or more. In addition, the disability must be severe enough to prevent the claimant from engaging in any gainful occupation for which they are reasonably suited based on their education and experience.

In order to qualify for disability benefits, a claimant must provide substantial medical evidence that establishes their inability to work. This usually includes detailed information regarding the diagnosis, prognosis, current symptoms and treatments, as well as opinions from medical experts.

What is the appeal process for disability benefits?

After your initial application is denied, you may request a reconsideration of your application. During the reconsideration stage, another review of your application will determine whether it should be approved. If you receive a second denial, you can request a hearing. You have 60 days from the date of the reconsideration’s denial to request a hearing. You will also need to submit any new evidence within 10 days of filing the hearing request.

At the hearing, a judge from the Office of Disability Adjudication and Review (ODAR) will hear your case. Your attorney or legal representative can present evidence, question witnesses, and make arguments on your behalf. The judge may also review documents such as medical records or employment history. After hearing all of the evidence, the judge will issue a decision in writing.

If you are still not satisfied with the judge’s decision, you may appeal the ruling to the Appeals Council. The Appeals Council will review your case and make a final determination on whether or not you qualify for disability benefits.

Do I have to file my disability denial lawsuit in Colorado?

In the event of a disability claim denial, our disability attorneys will usually have the option of selecting one of several states to file the disability lawsuit. More than 80% of short-term and long-term disability insurance policies are governed by a federal law called ERISA, which means that a Colorado disability insurance attorney can usually file a lawsuit in any federal court in any state.

If the disability claim is not governed by ERISA, then the specific state laws may determine where the lawsuit must be filed. In Colorado, a disability insurance attorney can file a denial of benefits lawsuit in any county or district court that has jurisdiction over the matter.

Colorado Disability Insurance Lawyers

Answers to Questions About Working With Us

I need a disability lawyer near me. Do you work in Colorado?

Yes. We are a national disability insurance law firm with extensive experience and we are available to represent you regardless of where you live in Colorado or anywhere else in the United States. We have partner disability 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, and we deal with clients who have a wide variety of medical conditions or have experienced injury. There is nothing that our lawyers have not seen in the disability insurance world, so please do not hesitate to give us a call for a free initial consultation.

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 clients to make our attorney fees as affordable as possible. The three available fee options are a contingency fee basis (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. We are certainly available to meet with you at any of our satellite offices located in either Colorado or another state, however following a review of your disability policy or any other pertinent documents and a free telephone conversation we are usually able to make a determination of how to best move forward with legal representation.

A successful claim will depend on the confirmation of your physician. With properly documented medical evidence our knowledgeable attorneys will make a determination of the best path forward. It is our job to try to get our deserving clients paid their disability insurance benefits as quick as possible; therefore we prefer to have an initial consultation via telephone.

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, text or an online meeting tool. 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. Whether you need help with the initial application process, ERISA-governed policy issues, employer-sponsored Long-Term Disability (LTD) Insurance problems, insurance company denial, appeals, or litigation processes, we are happy to help remotely.

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. Because we have extensive resources, our lawyers and staff return all client calls the 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.

Disability insurance attorneys in Denver

Reviews From Colorado Clients

Choosing a disability law firm to represent you in the application, appeals, or lawsuit stages is no easy task. You want to look for a law office with legal experts who have extensive experience in dealing with initial disability claims, appeals processes, and litigation, and have handled thousands of claims. It’s vital that your chosen disability lawyers of Colorado have extensive legal resources, a well-earned reputation, and a high client satisfaction rate. Be sure to browse some of the client recommendations to make the best decisions:

Alyssa S.

As with anyone who finds themselves empty handed and lost as it becomes apparent long term disability is their only means for income and support for their family, the web searches become unbelievably daunting on what firm could properly represent you and your case. It was extremely important to me I found a firm who had not only won against my private LTD policy, but had also won cases concerning my disease and the extraordinary challenges that accompany it. Dell & Schaefer fit those requirements on paper, and only affirmed through the roof they were the law firm for me.

They are some of the most compassionate individuals I could have ever had the chance to work with, and from day 1 to the end, 14 months later they always treated me, just as me. I wasn’t a disability case, or a chronically ill patient, but someone who should feel and be empowered to fight for what I am rightfully owed. Their experience fighting cases shows, and I never once questioned hiring an attorney versus fighting the appeals myself.

I would recommend Dell Disability Lawyers because of their breadth of cases won, and for differing workers comp issues, and disabilities. There is very little if anything this law firm can’t handle, and if they couldn’t, I know they would be the first to be honest and refer someone to the absolute best.

The entire staff is extremely professionalism and extraordinarily responsive. All of that you can find in time at another firm, but you can’t find how Dell Disability Lawyers makes you feel, like the person you were before disability, and through disability – we are so much more than the sum of our claim, and every day the staff rests their hat to keep that character instilled in all they do.

Tina R.

I found that during the time my claim was being processed, my attorney (Ms. Alters) and her assistant (Ms. Arriaga) were both very professional, quick to respond, and did not seem pressed for time in a way that let me feel that I was important to them.

They were both very straightforward in expressing their thoughts and suggestions as well as helping me understand anything I did not understand. They took the time necessary to explain anything that was confusing to me. I felt as if I knew them personally and appreciated their help very much.

The professionalism, experience, and knowledge are high-level. Those qualities are very important to build my confidence in their representation as well as the outcome of my case.

Glen P.

Simply The Best. I chose Dell & Schaefer after watching several videos that Greg had made and I also checked his reviews. I contacted him through his website and within 1 hour Greg called me on a Sunday afternoon. We discussed my medical issues and how they were rapidly damaging my abilities to continue my dental practice of 32 years. He told me that he would handle my case himself. I asked for names of dentists that he had represented. I spoke to 3 and they all said hire Greg ASAP. I had 3 specialists who recommended that I stop practicing but I had a tough time dealing with losing my practice of 32 years. I was dealing with depression and anxieties due to my reduction in hours along with knowing that my disability insurance company had a bad reputation of denying legitimate claims. Greg had a way of calming me down and he told me he had dealt with my company hundreds of times. He was not at all intimidated. He said that he was going to help me and was confident that we would win. Greg guided me through the entire process and it was completed in the time frame he said it would be. He and Vanessa returned all my calls and emails rapidly.

I would think of questions on weekends or late at night and he would always return my emails and calls. Once everything was into the insurance company they had an inexperienced claim consultant on my case that was challenging my disabling conditions. Greg fired off a letter giving them 5 days to make a decision. They moved my case up the ladder to a “lead” consultant and within 2 days we had the approval letter. He was also able to collect a period of partial disability, my business overhead expense policy, get me deemed totally disabled get my three insurance premiums refunded to me. We also received all past due benefits for the maximum monthly payment for the past 8 months since I stopped working. Greg continues to handle my claim and thankfully he will always be on my claim until my policy expires.

My family will be thankful to Greg, his assistant Vanessa and their entire team forever.

Laurie W.

My experience working with Jay and Sonia was the most wonderful gratifying experience I have ever had. I have never liked lawyer nor have I ever used one my opinion has changed deeply. I would never have received the benefits that I paid for that I deserve were it not for them. They were always cordial, friendly and always answered every question I had.

I owe them the security and comfort that I now enjoy at once again. I would recommend them to anyone for any disability claim in a heartbeat. Service was more than superb and I am truly grateful.

Gladys F.

I worked extremely hard on Wall Street for over twenty years – spending almost seventeen years at one of the biggest and most reputable firms – where in the 360 annual reviews I was consistently within the top five percent of performers. I suffered an injury while at work and had to undergo spine surgery and take medical leave to recuperate which lasted almost six months. However, that surgery didn’t do what we all expected and as time went by I got worse. The pain was too much, I was hardly able to walk, work, commute, sleep or anything. I had to be constantly drugged, having involuntary leg spasms at night that are extremely painful. Three top US Doctors agreed the only way to help me was for me to undergo an anterior and posterior spine fusion. This meant a very long and risky surgery and we didn’t know how long I would be unable to work. At that moment – I was laid off from my job.

After the 2nd surgery and until today, I continued to suffer from lots of pain, lack of mobility, depression, anxiety, inability to care for myself or my family, the painful leg spams continued and I realized my life had changed for the worse. I applied for disability insurance from my LTD carrier – this is the insurance I had been paying out of pocket for about sixteen years just in case I ever needed it. Despite all the Doctor’s reports, all the pain and suffering, the disability, medication and symptoms I have, the fact that my family has to do many things for me including help me bathe and dress and despite the fact that I’m going to need a third surgery pretty soon, the LTD carrier denied my claim. I contacted the law firm of Dell & Schaefer after conducting some research on great law firms in the US.

My experience with Disability Insurance Dell Disability Lawyers has been outstanding. From our initial conversation, I knew I was speaking with a sensitive attorney who was fully engaged in our conversation, my case, and extremely frustrating situation. My attorney listened to me very patiently and once I finished he started asking me questions regarding my case. He took my case as he understood from all the medical reports and everything I had gone through for years that this is a strong case. Needless to say within a month of submitting his appeal – the LTD carrier approved my claim. I have had past experience with a couple of law firms before – nothing compares to the knowledge, empathy and top-notch work that Dell & Schaefer has done for me. I would highly recommend Dell & Schaefer to anyone who’s denied LTD.

Top 5 Disability Insurance Cases Resolved by Dell Disability Lawyers in Colorado

Northwestern Mutual Approves Claim For Disability Benefits — The client, a sole proprietor of a lawn care business, had an eye injury that caused vision problems, leading to the closure of his business. In January 2017, he filed a disability claim with Northwestern Mutual. There were misunderstandings and miscommunication which complicated the process. Northwestern Mutual considered the client to have two jobs – lawn care and rental property management. However, Attorney Stephen Jessup argued that the client only had one job, with rental income being passive. Northwestern Mutual disagreed, citing the client’s claim forms. Attorney Jessup argued for partial disability benefits based on the policy’s provision.

After two years and the involvement of Attorney Jessup, Northwestern eventually approved partial and total disability benefits, retroactive to January 2017.

Cigna Overturns Denial of LTD Benefits to Computer Systems Engineer after Appeal and Independent Medical Examination — A Computer Systems Engineer applied for Long Term Disability (LTD) benefits but was denied by Cigna insurance company. The claimant hired Attorney Alexander Palamara, who reviewed medical and policy records. Attorney Palamara appealed the denial and pointed out inconsistencies in Cigna’s conclusions and their failure to conduct an Independent Medical Examination (IME). Cigna reversed the denial after the IME and approved all pending benefits. The claimant is still receiving support from Attorney Palamara to maintain their claim status.

Attorney Jay Symonds successfully appealed UNUM’s denial of long term disability benefits for a Colorado plumber — Attorney Jay Symonds appealed the denial of long-term disability benefits for Mr. B, a Colorado Plumber. Mr. B stopped working in January 2016 due to medical conditions. He initially claimed short-term disability benefits, which were extended to long-term disability. However, UNUM, the administrator and funder of the benefits, denied the claim. UNUM argued that Mr. B no longer met the policy’s disability definition because he wasn’t under a physician’s care when he stopped working. Dell Disability Lawyers and Attorney Symonds were retained, and an appeal was filed. The appeal pointed out errors in UNUM’s decision and disputed the findings of its medical reviews. After seven weeks and a thorough review of medical records, UNUM reversed its decision and awarded long-term disability benefits to our client.

Attorney Jay Symonds successfully appealed and overturned Mutual of Omaha’s denial of short term disability benefits for a Colorado Senior Manager — Ms. J was denied short-term disability benefits. She had medical issues and sought help from Attorney Jay Symonds. Symonds found issues with Mutual of Omaha’s investigation and assessment of her medical records. The appeal pointed out these issues and clarified Ms. J’s job requirements. One month later, Mutual of Omaha reversed its decision and compensated Ms. J with full short-term disability benefits. Her long-term disability benefit claim was also approved, ensuring continuous monthly income and no coverage gaps.

Cigna overturns Short Term Disability Denial and awards Long Term Disability Benefits — An ex-employee at Critigen, Inc. had her Short Term Disability claim denied by Cigna, despite her health issues. Attorney Alexander Palamara intervened and proved the denial wrong. He demanded approval for both STD and LTD benefits. Cigna reconsidered and approved both benefits. The client now receives monthly benefits.


Colorado Courts, Government and Colorado Department of Insurance Information

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.

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.

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Disability Company Reviews
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Showing 8 of 642 Reviews
Sedgwick

AT&T Was Great and Sedgwick Horrible

Reviewed by From a great job to a complete nightmare on March 20th 2024   Verified Policyholder | March 2024 date of disability
My Physician recommended that I take some time from a toxic environment after several deaths in my family coupled with AT&T trying to run tenured employees out of the door... read more >
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 >
Answered Questions by Our Lawyers
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Disability Benefit Tips
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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... 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
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Showing 8 of 375 Dell Disability Cases

Northwestern Mutual Approves Claim For Disability Benefits

Prior to contacting our office, our client was having little success in securing his disability insurance benefits under his privately purchased individual disability policy with Northwestern Mutual. Our client, the sole owner and employee of a small lawn care business, suffered an eye injury that required surgery and left his vision severly compromised. Left with only one properly functioning eye his doctor a... Read More >

Cigna Overturns Denial of LTD Benefits to Computer Systems Engineer after Appeal and Independent Medical Examination

Our client was previously employed as a Computer Systems Engineer. In this occupation, he was responsible for support and maintenance of a real-time system that allows pipeline controllers to monitor pipelines across the United States. Unfortunately for him, he was suffering from Lumbar Discogenic and Facetogenic Pain, Lumbar Radiculopathy, Cervical Spine Pain Status Post Fusion, and Piriformis Syndrome, and r... Read More >

After appeal filed by Attorney Jay Symonds, UNUM overturned its previous denial of long term disability benefits for Colorado Plumber

Our client, Mr. B, formerly worked as a Plumber for a fabrication and manufacturing company. In January 2016 a number of medical issues, including chronic low back pain, lumbar spine radiculopathy, bilateral facet hypertrophy, and sciatica, forced Mr. B 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 lon... Read More >

After appeal filed by Attorney Jay Symonds, Mutual of Omaha overturned its previous denial of short term disability benefits for Colorado Senior Manager

Our client, Ms. J, formerly worked as a Senior Manager of a treatment facility. In October 2016 a number of medical issues, including fibromyalgia, chronic pain syndrome, chronic fatigue and depression forced Ms. J to stop working and submit her claim for disability benefits, first under her employer's short-term disability (STD) policy and then continuing under its long-term disability (LTD) policy. The STD c... Read More >

Cigna overturns Short Term Disability Denial and awards Long Term Disability Benefits

A former employee of Critigen, Inc. contacted our office after the Life Insurance Company of North America (aka Cigna) denied her claim for Short Term Disability (STD) Benefits. This Client Services Manager had previously worked at Critigen since 2011 but found herself unable to continue to perform the material duties of her regular occupation due to serious neck issues. In fact, she had 3 prior surgeries that... Read More >

Liberty Mutual Overturns Disability Insurance Denial in Ten Days

After only being on claim for ten months, Liberty Mutual unexpectedly terminated the continued receipt of long term disability benefits of a former Auto Damage Insurance Appraiser for Allstate Insurance Company. Within days of receiving the denial letter from the insurance company, the denied disability claimant contacted Dell Disability Lawyers to assist him in the filing of an administrative ERISA appeal aga... Read More >

Seven Surgeries and The Standard Still Denies Disability Insurance Benefits

Our client was employed with the State of Oregon as a Technical Support Representative. She sought disability through her employer provider LTD Policy with Standard due to low back, hip, and lower extremity pain. She had two hip, two knee and three back surgeries.After paying her for 1.5 years Standard hired a board-certified neurologist to perform a review ... Read More >

Sun Life Wrongfully Denies Disability After Paying For 23 Months

We represent a 57 year-old claimant who’s occupation was selling commercial vehicles for many years.  Her job was very physical as it required her to climb in and out of semi-trucks multiple times a day as well as operate them which was very strenuous. She went out of work in due to ongoing and severe debilitating right hip, low back, and bilateral knee pain... Read More >
Disability Lawsuit Stories
(765)
Showing 8 of 765 Lawsuit Stories

Prudential Wrongfully Relies on Neuropsychological Report to Deny LTD Benefits After 12 Years

Initial denialMr. Paquin became disabled in 2003 after contracting encephalitis from a mosquito infected with the West Nile virus. The infection resulted in brain damage and cognitive impairment rendering Mr. Paquin unable to continue working as a business development director for his employer, Transistor Devices. He qualified for short term and long term disability benefits under his employer sponsored di... Read More >

Lockheed Martin Systems Integration Analyst Wins Long-term Disability Lawsuit against CIGNA

Cal Van Steen had been employed as a Systems Integration Business Analyst at Lockheed Martin Corporation and participated in the company’s group long-term disability plan with Life Insurance Company of North America a/k/a CIGNA.In 2011 while walking his dog he was assaulted during an altercation which resulted in a traumatic brain injury that affected Mr. Van Steen’s cognitive abilities, namely his abi... Read More >

Colorado District Court overturns denial of benefits by Life Insurance Company of North America

In Johnson v. Life Insurance Company of America, a Colorado District Court ruled in favor of the claimant finding LINA’s decision unsupported by any reasonable basis. The case dealt with a denial of long term disability benefits at the change in definition from own occupation to any occupation. After paying 24 months of benefits to Ms. Johnson, LINA concluded that Ms. Johnson did not qualify for any occupati... Read More >

AIG Repeatedly Denies Disability Benefits to a Colorado Woman with Fibromyalgia After Change of Disability Definition

The claimant, Ms. A, filed an ERISA disability lawsuit against AIG. The Long Term Disability Plan provided by her employer after her initial claim for disability benefits was denied by AIG. The Judge found that the denial of long term disability benefits to Ms. A did not take into account or consider all of Ms. A's impairments and whether the impairments impacted her ability to work. Ms. A's claim was remanded... Read More >

Northwestern Mutual Disability Claim Denial Reversed By Court

A Colorado court recently brought down a very harsh ruling against Northwestern for blatantly abusing its discretion in denying long-term disability benefits to a Colorado Family Law Attorney (Mr. M) who suffered congestive heart failure and underwent aortic valve replacement surgery and thoracic aortic aneurysm repair.Two interesting issues were addressed by the Court in its ruling. The first is the appli... Read More >

Asurion Employee Files Lawsuit Against Life Insurance Company Of North America For Wrongful Termination Of Long-Term Disability Benefits

A lawyer from Colorado just filed a federal lawsuit in Federal Court of Colorado against the Life Insurance Company of North America (LINA). The Plaintiff, Carl E., was employed by Asurion. This made the Plaintiff eligible and covered by a group disability insurance plan provided by Asurion and administered and funded by LINA.In Carl E. v. Life Insurance Company of North America, Plaintiff filed this disab... Read More >

Unum claims no object evidence exist and denies disability benefits to St. Anthony Central Hospital nurse suffering from fibromyalgia

Colorado disability lawyer files lawsuit against Unum Life Insurance Company Of America for denying long term disability benefits and wrongfully asserting no objective test exist to diagnose fibromyalgiaIn Kelly Ann Curtis vs Unum Life Insurance Company of America, a Colorado disability attorney filed a lawsuit on behalf of a disability claimant against the Unum Life Insurance Company of America (Unum) at ... Read More >

Accidental death & disability dismemberment; AIG reversed by Colorado Court

After Hans-Gerd Rasenack was struck by a hit-and-run driver he applied for benefits under the accidental death and dismemberment insurance he paid for through employee deductions. The policy was issued through AIG Life insurance Company (AIG) and administered by AIG Claim Services. The policy provided an accidental paralysis benefit which covered hemiplegia.At issue before the U.S. Court of Appeals for the... Read More >

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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 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 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.

In more than 98% of our cases, our attorneys have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement. 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 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 850 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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