Our Disability Lawyers Help You Collect Disability Insurance Benefits in North Carolina

If you are a resident of North Carolina 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 North Carolina law because there are certain state-specific aspects that may affect the case.

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Our Lawyers Respond Today

North Carolina residents that have had their disability insurance benefits denied can file a lawsuit in the District Court or Superior Court under a limited set of circumstances. North Carolina’s state appellate courts includes the Court of Appeals and the North Carolina Supreme Court. If the disability claimant resides in North Carolina 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 North Carolina 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. North Carolina has three Federal District Courts, which are the Eastern, Middle, and Western District of North Carolina Federal Courts. An ERISA governed disability claim denial lawsuit can usually be filed in any state that the insurance company conducts business. According to the North Carolina Department of Insurance there are more than 1,400 insurance companies that sell insurance products in North Carolina.

When seeking assistance from a disability insurance attorney in North Carolina, 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 North Carolina and Nationwide as aggressive, competent, and reliable disability insurance lawyers. 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. 

If you need attorney representation in North Carolina, please contact us for a free phone consultation. We handle disability benefit claims at all stages: applications, appeals, 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 North Carolina Disability Insurance Claims

What qualifies for disability in North Carolina?

To qualify for disability in NC you need to have a condition that prevents you from working for at least a year. You’ll also need to be within certain income limits.

Qualifying conditions for disability can include physical, mental, or a combination of both. A physical disability would typically involve an injury or illness that impairs your ability to move and function normally. Examples of physical disabilities could be chronic pain, paralysis, or an inability to walk. Mental disabilities can involve conditions like depression, anxiety disorders, bipolar disorder, autism spectrum disorders, schizophrenia, and other mental illnesses. These conditions can affect your ability to concentrate, remember information, and make decisions.

Regardless of the type of disability, it’s important to remember that applying for benefits can be a difficult and time-consuming process. In order to qualify for disability in North Carolina, applicants must prove their condition is serious enough to prevent them from performing any sort of substantial work. This often requires extensive evidence from medical professionals as well as testimony from family members and other witnesses regarding the person ’s condition.

Do I need a disability lawyer in North Carolina for my appeal?

Disability appeals can be daunting at any time, however, with an experienced disability lawyer on your side, you’ll complete the disability claim denial process in a shorter period of time.

Having a disability lawyer on your side can be beneficial for many reasons. They are familiar with the process and understand all the complexities of filing an appeal. They can help you compile evidence, support your claim, gather medical records, and negotiate with insurance companies to ensure that you get the benefits you need. In addition, they can provide legal advice and representation in court if necessary.

Even if you believe you can handle your disability appeal on your own, it’s best to consult with an experienced disability lawyer in North Carolina. Our attorneys have years of experience helping clients win disability benefits and they understand the nuances of this complex area of law. We offer free consultations and are always available to discuss your case.

Do I have to file my disability denial lawsuit in North Carolina?

In the event your initial application is denied 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 disability insurance attorney in North Carolina can usually file a lawsuit in any federal court in any state.

North Carolina Disability Insurance Lawyers

Answers to Questions About Working With Us

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

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 North Carolina 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 North Carolina 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. 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 Charlotte

Reviews From North Carolina 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 North Carolina have extensive legal resources, a well-earned reputation, and a high client satisfaction rate. Be sure to review some of the client recommendations to make the best decisions:

Regina from Charlotte

First and foremost, I believe in letting others know about truthful and relevant experiences.

I was represented by Mr. Jay Symonds, Attorney. My team consisted of Mr. Symonds and Ms. Sonia Nogueira, Paralegal. I can say that these two are hands down a team to reckon with and I am eternally blessed they were assigned to my case. They both understand Client Customer Service, are compassionate, and being responsive to the client’s needs. Mr. Jay Symonds was well versed in matters as he has worked on both sides, defending and representing, when dealing with disability matters. Lastly and very important, Mr. Jay Symonds absolutely pays attention to details on your case.

I have had dealt with several Attorneys in my various matters and I believe and thru their ACTIONS of DOING, Mr. Symonds and Ms. Nogueira are the epitomai of what an Attorney and Paralegal team should represent. I never had to inquire about the status of my case, they always were on top of matters. They were both forthcoming, relevant, honest, and realistic in the facts, and what could be ultimately be achieved in my case.

What is most important, and unless you have experienced the bad and ugly in legal matters, you will not appreciate this firms work and work ethics. No one should have ever had to deal with matters like I have PRIOR to myself retaining this firm, however, life is not perfect.

All my dealings were via mail, phone calls, and emails and this made it very easy to communicate. This team was very well organized and proactive! This is absolutely KEY in handling ANY case!

It is about what can realistically be accomplished and achieved and resolution and not promises or false hopes in what could come of your case. I will say that what you as a client puts into your case is also very critical and relevant. Always be forthcoming, honest, and keep your Attorney team updated. It is a TEAM effort by all parties involved and my personal experience with this Mr. Jay Symonds and this firm was pleasant and successful.

Thank You both for all your efforts and determination to see my case to a successful resolution.

Effective, Honest, Relevant, Realistic, ProActive, and Organized to say a Few! I pray and hope you post my comments as I have been extremely pleased and this is unfortunately NOT my first dealing with law firms but it is the absolute BEST experience I have had.

All I know to say is that I am sorry, I did not know of your firm the beginning of my case. Too often we think of national firms being false and not what they say they are and that is absolutely not the situation with this Firm. I feel blessed I was referred to you and that was the BEST move my previous Attorney did as all other matters his firm has handled have been an absolute disaster.

Samantha from Charlotte

I am so glad I signed with Alex and the team at Dell Disability Lawyers. Lupus hit me like a brick wall, completely disrupting my life. The physical changes and ailments, treatments and pain were scary enough. I could not have dealt with the insurance company alone. Alex and his paralegal Danielle helped me through everything. They explained every step of the paperwork to me and even encouraged me while I was in the hospital. Best of all, they got the insurance company to settle while I focused on my health.

Sachem from Raleigh

The best part about the experience working with Dell Disability Lawyers was that my attorney was upfront, honest, and transparent. He did not try to be a salesman and make promises about a case outcome. He was extremely direct about the way that things work and what he thought he was able to do for me. I valued this, because it is extremely rare to receive cut and dried information like this.

They could not have made this experience any easier for me. After I completed all the paperwork on my end, they were able to handle the case professionally and proficiently with very little effort on my part.

Dr. Kenneth from Durham

I want to take a minute and tell you… as well as ‘The Greg Dell’ team: “Thanks for all your assistance” during the past 4+ years. I will never forget that late night… in 2012 – sitting alone in my chiropractic office… anxiously wondering “how in the heck am I going to get through all this”! I emailed you late and you called me back on a Friday night. That call literally changed my life… not only my life… but the lives of the members of my family. You told me that you thought I had a good claim and that you would manage every part of the process from start through finish.

I am now ‘through-it’… and it’s hard to imagine… but I’ve had absolutely no issues with my insurance carrier… a carrier with a horrible reputation of harassing clients on policy. And Greg… I honestly attribute this to you folks. Y’all made our lives easier and less stressful.

Michael from Greensboro

From the very beginning my lawyer Rachel Alters and her staff have been nothing but professional. They were on top of things and advocated for my case from the very start. They always kept me informed at every step of the way and made sure that I was an integral part of the entire process. I would highly recommend using their services.

Professionalism. Expedient work. Knowledgeable staff.

Juan from Outer Banks

Extremely satisfied. I’m a physician/surgeon who got rheumatoid arthritis when I least expected. Attorney Dell and everybody else in his firm made the claim, transition and final successful resolution, quickly, expertly, painless and very cost effective. Mr. Dell exceeded my expectations by a long margin and I am forever grateful for his services.

Tess from Raleigh

Mr. Jessup is efficient at his skills but that is not what made my experience wonderful. When you are ill, and been arguing with everyone to get a crap of what you deserve because you have worked hard all your life, paid your taxes, and paid your insurance premiums… yet no one cares. No one cares that they are increasing your symptoms by not paying you the money that you are entitled to.

Mr. Jessup was unbelievably kind and empathetic to my situation. His congenial personality, truly, was the key to hiring him. I felt like even though he had other clients in similar circumstances, he still cared what was happening to me and my family. I felt he cared enough to trust him completely.

I would recommend Stephen Jessup, because of his ability to empathize, to make you feel like he really is concerned about you and what your family is going through.  have recommended him to other people… I am curious to know what all kind of cases does he handle. I have one friend and maybe more that will need him soon.

Top 5 Disability Insurance Cases Resolved by Dell Disability Lawyers in North Carolina

LINA overturned its previous LTD denial for Medical Technologist — Former Medical Technologist, Ms. H faced a problem with her Long-Term Disability (LTD) coverage. She couldn’t work due to health issues like psoriatic arthritis and osteoarthritis. Her LTD payments were stopped by the insurance company (LINA) after a month, claiming she wasn’t disabled as per their policy. Attorney Jay Symonds from Dell Disability Lawyers stepped in to help. He found mistakes in LINA’s decision and appealed on Ms. H’s behalf. The appeal pointed out that LINA’s reasons didn’t match the medical proof and their reviewer misunderstood the evidence. Ms. H’s doctor confirmed that her pain was real and affected her work. The appeal also criticized how LINA didn’t consider the specific skills needed for her job. After about five weeks, LINA changed its decision, gave her back the benefits she missed, and paid her. Attorney Symonds is still working with Ms. H to make sure she keeps getting her benefits. Having a good disability insurance lawyer can make a big difference in situations like this.

Reliance Standard reinstates disability benefits to Project Manager — A former Senior Project Manager faced chronic pain from spine disorders. He got short term and then long term disability support from Reliance Standard. But when his claim shifted to the “any occupation” phase, he was cut off. Reliance Standard said he could do light work and blamed mental health too. He contacted Dell Disability Lawyers to challenge this. Lawyer Stephen Jessup argued that mental health wasn’t a main factor and arranged a test to prove physical limits. It showed he couldn’t do light or desk work regularly. After an Independent Medical Examination confirmed his disability, Reliance Standard reapproved the claim and paid the missed benefits.

Liberty Mutual Twice Denies and Approves Long-term Disability Benefits to IT Systems Analyst with Rheumatoid Arthritis — Ms. V, an IT Systems Analyst at Highmark Blue Shield, faced unending pain from Rheumatoid Arthritis. She sought long-term disability help through Liberty Mutual, but they denied her. She asked Attorney Cesar Gavidia and Dell Disability Lawyers for support. They collected proof, talked to her doctors, and made an appeal. After about 45 days, Liberty agreed for her ‘own occupation’ time but rejected benefits past 24 months. They said she needed to be unable to do any suitable job for more benefits. Attorney Gavidia appealed again, proving this wrong. With more proof, Liberty changed its decision and gave her long-term disability aid. Attorney Gavidia now watches over communications with Liberty to ensure accuracy.

After Two Appeals, Cigna Finally Sees the Light and Pays Disability Benefits — A truck driver dealing with chronic health issues was denied Short Term and Long Term Disability Benefits by Cigna, even though he clearly qualified per his policy. He hired Dell Disability Lawyers after the initial denial. Wefought the rejection and also applied for Long Term Disability Benefits. Cigna denied both claims, despite the medical records. Disability Attorney Alexander Palamara, made a second appeal, highlighteding the medical evidence and Cigna’s potential conflict of interest. Within 45 days, Cigna reversed its decision and approved both claims, giving the client the disability benefits he deserved.

A Liberty Life Disability Benefit Denial is Reversed after ERISA Appeal filed by Attorney Alex Palamara of Dell Disability Lawyers — After a stroke and related health issues, engineer Ms. W had her Liberty Life Disability Benefit denied after 10 months. Even though she suffered from multiple conditions like seizures, depression, and memory loss, Liberty Life said there wasn’t enough proof that she couldn’t work normally in her job. Attorney Alex Palamara from Dell Disability Lawyers found problems in Liberty Life’s evaluation. He got supporting evidence from Ms. W’s doctors and filed an appeal in March 2013. In April 2013, Liberty Life gave back her long term disability benefits, paid her for what she missed, and she still gets monthly benefits.


North Carolina Courts, Government and North Carolina 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.

Learn more

Disability Company Reviews
(641)
Showing 8 of 641 Reviews
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 >
Lincoln Financial

Well Documented correspondence

Reviewed by Joshua on November 23rd 2023   Verified Policyholder | May 2023 date of disability
I read other situations and it’s all very similar to my case. I have received STD from May 2023 and when my FMLA run out LF would not respond or answer my calls. My last... read more >
Answered Questions by Our Lawyers
(2)
Showing 2 of 2 Answered Questions

Q: Do you work with NC State Teachers Long term disability claims?

Answered on August 22nd 2023 by Attorney Gregory Dell
A: Amy,You need to immediately find another doctor that will complete the required insurance company paperwor... Read More >

Q: Can The Hartford inclue my son's dependent benefits in my husbands backpay?

Answered on June 26th 2018 by Attorney Jay Symonds
A: Nichole, the offset provision in the Group Policy dictates what the carrier can/will offset for. Many policies... Read More >
Helpful Videos
(873)
Showing 12 of 873 Videos
Disability Benefit Tips
(330)
Showing 8 of 330 Benefit Tips

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 concern... Read More >

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

When you're seeking disability benefits under a long term disability policy, your medical rec... Read More >

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

One thing many long term disability claimants don't know about (or expect) from the claims re... 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... 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 th... Read More >

Disability Denial Reason #1 – Paper Review & IME

At Dell Disability Lawyers, we've seen insurance companies give countless reasons to deny lon... 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 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 >
Dell Disability Cases
(372)
Showing 8 of 372 Dell Disability Cases

LINA overturned its previous LTD denial for Medical Technologist

Our client, Ms. H, formerly worked as a Medical Technologist for a National Clinical Laboratory. In July 2017 a number of medical issues, incl... Read More >

Reliance Standard reinstates disability benefits to Project Manager

Our client, a former Senior Project Manager for a national corporation, was receiving long term disability benefits from Reliance Standard due... Read More >

Liberty Mutual Twice Denies and Approves Long-term Disability Benefits to IT Systems Analyst with Rheumatoid Arthritis

Our client, Ms. V, had been employed as an IT Systems Analyst with Highmark Blue Shield, one of the ten largest health insurers in the U.S. an... Read More >

After Two Appeals, Cigna Finally Sees the Light and Pays Disability Benefits

Our client had been employed as a Truck Driver for Harris Teeter Supermarkets, Inc. His disabilities included Chronic Pancreatitis, Chronic Pa... Read More >

A Liberty Life Disability Benefit Denial is Reversed after ERISA Appeal filed by Attorney Alex Palamara of Dell Disability Lawyers

Previously employed as an Engineer for United Technologies Corporation, Ms. W was forced to leave work due to suffering a middle cerebral arte... Read More >

Aetna Denies Disability Benefits after 18 Months of Payment, but Dell Disability Lawyers wins ERISA Appeal

A former Safety and Training Specialist for the Dale Tile / Unilin Corporation was forced to leave work on September 16, 2010 due to his poor ... Read More >

Transportation Manager with Brain Injury Wins Unum Disability Benefit Appeal

Unum unjustly terminated our client’s long term disability claim after it had approved and... Read More >
Disability Lawsuit Stories
(765)
Showing 8 of 765 Lawsuit Stories

A Judge’s 8 Reasons that Aetna Reasonably Denied Disability Benefits to Bank of America Employee

In Claire Refaey v. Aetna Life Insurance Company, in late September 2015, Plaintiff suffered from a viral disease cau... Read More >

North Carolina Federal Appeals Court Dismisses Disability Lawsuit Against Prudential As Untimely

In a case not handled by Attorneys Dell & Schaefer, a Prudential Claimant has lost her right to sue after being denied disability benefits... Read More >

North Carolina Court Determines That Sedgwick Abused Their Discretion And Wrongfully Denied Disability Benefits For BellSouth Employee

A BellSouth Customer Service Assistant, with the help of his North Carolina Disability Attorney, was forced to file a lawsuit against Sedgwick... Read More >

Duke University Doctor sues UNUM Life Insurance Company for long term disability benefits

Dr. Karen M. and her North Carolina disability attorney filed a lawsuit against UNUM in the United Stated District Court for the Eastern Distr... Read More >

Bridgestone employee sues Liberty Life Assurance Company of Boston for long term disability benefits

Sandra Cotton-Lyons filed a lawsuit against Liberty Life Assurance Company of Boston (Liberty Mutual), Administrator of the Bridgestone Americ... Read More >

Disabled IKA Works, Inc. employee sues the Prudential Insurance Company of America to compel payment of disability benefits under an ERISA plan

A disability attorney recently filed a lawsuit at the District Court for the Eastern District of North Carolina on behalf of a client against ... Read More >

LINA and CIGNA need to listen to the Federal Courts and stop denying disability insurance claims for people disabled by fibromyalgia

An affirming opinion from the Fourth Circuit United States Court of Appeals shows how Administrators of ERISA long term disability benefi... Read More >

North Carolina disability attorney is unsuccessful in obtaining disability insurance benefits for former TYCO employee

The Circuit Court of Appeals recently reviewed an unusual short term disability insurance denial by applying North Carolina law. The short-ter... 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.