Maine Disability Insurance Lawyer Representation for Your LTD Insurance Claim

Our Maine disability insurance attorneys assist disability insurance claimants during all stages of a claim for disability insurance benefits. Since 1979, our disability law firm has represented disability claimants against every major disability insurance company. We have earned our reputation in both Maine and Nationwide as aggressive, competent, and reliable disability insurance lawyers.

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It is essential to hire 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. We have relationships with lawyers throughout Maine and if we are not able to assist you with your disability claim, then we may be able to recommend a Maine disability insurance lawyer. If you have a disability insurance claim in either Maine or any other state, contact our disability insurance attorneys for a free consultation.

Maine residents that have had their disability insurance benefits denied can file a lawsuit in the Maine District Court or Superior Court under a limited set of circumstances. Maine’s state appellate courts includes the Maine Supreme Judicial Court Sitting as Law Court. If the disability claimant resides in Maine and the disability insurance company is located in a different state, and the amount of disability benefits payable is greater than $75,000, then the lawsuit can be filed in Maine Federal District Court. If the disability insurance policy is an employer provided policy governed by ERISA, then the disability claim must be filed in federal court. Maine has one Federal District Court. An ERISA governed disability claim denial lawsuit can usually be filed in any state that the insurance company conducts business. According to the Maine Department of Insurance there are more than 1,100 insurance companies that sell insurance products in Maine.

Do I Need To Come To Your Office In Order For Your Firm To Evaluate My Claim?

No. We are certainly available to meet with you at any of our satellite offices located in either Maine 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. It is our job to try to get our clients paid their disability insurance benefits as quick as possible; therefore we prefer to have an initial consultation via telephone.

Do I Have to File My Disability Denial Lawsuit in Maine?

In the event of a disability claim denial, our disability insurance 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 Maine disability insurance attorney can usually file a lawsuit in any federal court in any state.

Maine Courts, Government and Maine 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.

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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
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Helpful Videos
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Showing 12 of  925 Videos
Disability Benefit Tips
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Showing 4 of  331 Benefit Tips

Does the 2013 Cigna Long Term Disability Regulatory Settlement Agreement Require My Disability Benefit Denial to Be Reconsidered?

If you are a resident of California, Connecticut, Maine, Massachusetts, or Pennsylvania you may be eligible to have a previously denied Cigna long term disability claim re-evaluated. Pursuant to the May 13, 2013 Cigna Regulatory Settlement Agreement, Cigna must reassess long term disability insurance claims that were denied to residents of Connecticut, Maine, Massachusetts, or Pennsylvania between January 1, 2...

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

After appeal filed by Attorney Jay Symonds, Mutual of Omaha overturned previous denial of short term disability benefits for Maine Senior Software Engineer

Our client, Mr. C, formerly worked as a Senior Software Engineer for a large computer technology company. In April 2016 a number of medical issues including, chronic pain syndrome, failed back syndrome, chronic low back pain, chronic sciatica, and severe lumbar radiculopathy forced Mr. C to stop working and submit his claim for disability benefits under his employer’s short-term disability (STD) policy, whic...

Assurant overturned its previous denial of long term disability benefits for Maine Sales Consultant

Our client, Ms. C, formerly worked as a Sales Consultant for an international manufacturer of dental materials. In July 2013 a number of medical issues, including the debilitating effects of chemotherapy treatment as well as recurrent breast cancer forced Ms. C to stop working and submit her claim for disability benefits first under her employer’s short-term disability (STD) policy and then continuing under ...

Woman with multiple sclerosis files long term disability benefit denial lawsuit against Prudential

Multiple sclerosis is a chronically disabling condition which is commonly misunderstood by disability insurance companies. Let's take a look at a case handled by our law firm following denial of long term disability benefits by Prudential. A successful, bright Bank Manager with a flourishing career in the banking industry was diagnosed with multiple sclerosis in 2001. She was shocked and distraught by her diag...

Winpak Manager With Back Issues Wins NY Life Appeal

New York Life denied continued long-term disability benefits to our client — a Florida process manager employed by Winpak with L5-S1 spondylolisthesis and related spinal conditions — at the exact moment his policy's definition of disability changed from own-occupation to any-occupation. The insurer relied entirely on a paper review by a non-examining physici...
Disability Lawsuit Stories
(766)
Showing 4 of  766 Lawsuit Stories

First Circuit Finds for Plaintiff and Awards Retroactive Mental Health Benefits

In Jane Doe v. Standard Insurance Company, plaintiff Doe spent more than 25 years as an environmental attorney for a Maine law firm prior to become ill with depression and anxiety. She filed a claim for mental health disability benefits under the law firm’s disability policy. Her claim was approved, but based on a disability date of January 2012, when she claimed the date should be October 2011. Standard als...

Aetna sued by Bank of America and Huhtamaki employees for failing to provide ERISA benefits

Two Plaintiffs filed cases against Aetna Life Insurance Company (Aetna) in the Maine and California District Courts due to the failure to provide disability benefits provided by the Employee Retirement Income Security Act (ERISA) of 1974. In the previously mentioned cases filed through the plaintiffs' disability lawyers, it is alleged that Aetna has wrongfully denied the Plaintiffs' claims for disability benef...

Disability attorney sues Aetna for failure to pay short term disability benefits to Huhtamaki Americas employee

A disability attorney recently filed a lawsuit in the District Court for the district of Maine against the Aetna Life Insurance Company (Aetna). In Bonnie Ramsdell vs Huhtamaki Americas, Inc and Aetna Life Insurance Company, the plaintiff, suffering with post traumatic stress disorder brought the disability lawsuit under the Employment Retirement Income and Security Act (ERISA) to recover short and long term d...

Reliance Standard Disability Denial Upheld Due to Claimant's Lack of Strong Medical Record Support

In the case of Amy Wright v. Reliance Standard Life Insurance Company (Reliance), Plaintiff was the vice-president of health information services at Integrity Health Care when she stopped working on August 7, 2017. She brought claims for benefits under an LTD insurance policy and a waiver of premiums under a life insurance policy.In order to be approved for LTD benefits, Plaintiff ...

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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

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