Our Disability Lawyers Help You Collect Disability Insurance Benefits in Texas

If you are a resident of Texas 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 lawsuit. In addition, it’s essential to have an experienced lawyer who deals specifically with Texas law because certain state-specific aspects may affect the case.

Schedule a Free Consultation

Our Lawyers Respond Today

disability attorney texasWhen seeking assistance from a Texas disability insurance attorney, 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. Texas is one of the few states that has attempted to level the playing field for disability insurance claimants by abolishing discretionary clauses in ERISA disability policies. Texas is a very fair state for disability claimants. Our lawyers have helped thousands of disabled individuals to recover disability benefits.

If you need attorney representation, please get in touch with 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 refer you to someone who 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 Texas Disability Insurance Claims

Who qualifies for long-term disability benefits in Texas?

Long-term disability benefits in Texas are usually provided through private insurance policies, not a state-run program. Qualifications for long-term disability benefits can vary depending on the specific insurance policy. To qualify for long-term disability benefits, an individual must meet criteria including medical eligibility, a waiting period, coverage under their policy, proof of disability, and meeting specific occupational requirements. It is important to review insurance policy documents and consult with experts for detailed information on eligibility and coverage.

Can I appeal if my application is denied?

Yes, if your long-term disability application is denied, you typically have the right to appeal the decision. The appeals process allows you to challenge the denial and present additional evidence or arguments to support your claim. The specific steps and deadlines for the appeals process may vary depending on the insurance policy and the state laws.

What qualifies as a physical disability?

A physical disability is a condition that impairs a person’s physical functioning and mobility. It can be caused by various factors, including injury, illness, congenital conditions, or degenerative diseases. Physical disabilities can range from mild to severe and may affect different parts of the body or bodily systems.

How do you fight a long-term disability benefits denial?

Here are the steps you can take to appeal a denial of long-term disability insurance benefits:

  1. Understand the specific reasons for the denial by reviewing the letter from the insurance company.
  2. Gather all relevant medical records, doctor’s statements, and any other documentation.
  3. Thoroughly review the long-term disability insurance policy to understand the terms, coverage, and requirements.
  4. Reach out to the insurance company to clarify the denial reasons and inquire about the appeals process.
  5. Prepare a well-structured and detailed appeal letter that addresses each reason for the denial and includes relevant evidence to counter the decision.
  6. Ensure that the appeal is submitted within the specified timeframe.
  7. Consider consulting with an experienced attorney if the appeals process becomes complicated or challenging.
  8. Keep doctors informed about the appeal and seek their support in providing additional evidence if needed.
  9. Remain persistent and patient throughout the appeals process, which may take time.
  10. Keep records of all communication with the insurance company.

Remember that each insurance policy and appeals process may differ, and it’s essential to follow the specific procedures outlined by your insurance company.

What percentage does short-term disability pay in Texas?

In most cases, short-term disability insurance policies pay a percentage of your pre-disability earnings during the benefit period. The percentage can range from around 40% to 70% of your average weekly or monthly earnings. The specific percentage you receive will depend on the terms and coverage outlined in your insurance policy.

To find out the exact percentage of income replacement provided by your short-term disability insurance policy, you should review the policy documents or contact your human resources department or the insurance provider directly.

Can I work part-time while on disability?

The ability to work part-time while on disability depends on the type of disability benefits you are receiving and the specific rules and regulations governing those benefits.

It’s important to review the terms and conditions of your specific disability insurance policy to determine whether working part-time is allowed and if it affects your eligibility for benefits. Some policies may have provisions that permit part-time work while still receiving disability benefits, while others may consider any income earned as a disqualifying factor.

Texas Disability Insurance Lawyers

Answers to Questions About Working With Us

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

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 Texas 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. 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. 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 Austin

Reviews From Texas 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 Texas 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:

Craig S. from Dallas

I have been extremely impressed with the Law Firm of Dell Disability Lawyers.

I submitted a form online and was contacted immediately by Mr. Jay Symonds. I explained my disability and the issues I was experiencing with my Long Term Disability Insurance and Mr. Symonds immediately confirmed why Dell Disability Lawyers was the perfect choice for me. I explained my situation and what I had experienced with LTD and Mr. Symonds immediately shared with me what he could do for me and for the first time in months, I felt at ease with what I was going through.

Mr. Symonds immediately contacted the insurance company and was able to achieve in 1 day what I hadn’t been able to achieve in Months!

To say that Mr. Symonds was my guardian angel would be an understatement. His knowledge and expertise enabled me to focus on the treatment that I needed.

His staff was always very friendly and my questions were always answered in a timely manner. Throughout this journey, Mr. Symonds and his staff have become like family to me with their support and compassion. Mr. Symonds and Sonia Nogueira have shown empathy, respect and concern for my medical condition.

It was refreshing to see my team of legal experts take immediate action when the insurance company continued to try and bypass the process. I could not have found a better team to represent me and I will always be thankful for their knowledge and expertise.

I have nothing but tremendous respect for the office staff employed at the firm of Dell Disability Lawyers. Sonia always ensured my calls and emails were returned in a timely manner and were always available to answer any questions I might have. When you receive an answer to your questions on a weekend, you know you have made the right choice!

Lori N. from Houston

I have had such a great experience working with both Rachel and her Paralegal Vanessa. They answered any question I had very quickly. They walked me through every step of appealing my long term disability case. It was a very long process and I was glad to have them there to help me. My denial decision was reversed and they are still answering all my questions. I am so thankful for Rachel and Vanessa because I know I couldn’t have done this without them.

I would recommend Dell Disability Lawyers because the attorneys and paralegals are very good at getting all of the information received from doctors and putting together a case which would be very hard for them not to win.

Russel H. from West Texas

My experience is as such. I suffer from a variety of mental health issues the biggest being severe PTSD. When I had lost all hope the Good Lord guided me to Dell Disability Lawyers. My assigned lawyer, Stephen Jessup, was the most understanding and compassionate human being I had come across since my breakdown. He not only guided me legally, but his kind words and understanding helped me spiritually as well. His co-worker, Sonia, was a heaven-send as well. Her kind words and prompt responses were amazing. Both Stephen and Sonia will never understand how blessed I am that they came in to my life at my darkest hour. Their work ethic and rigorous efforts towards my case gave me not only a win but it gave me justice and at the end of the day that’s all I wanted. I went in to this case with legal counsel and I left this with great friends. I was always informed, spoken to with the utmost respect and sincere compassion.

Stephen and Sonia, y’all are my silver lining in humanity. I’m a better person today having met you both even if only by phone and email.

I would refer Dell Disability Lawyers for the sincere compassion, work ethic and rigorous commitment to my case. Keep doing what y’all are doing.

Lenny M. from Austin

Mr Jessup explained and answered all questions and concerns I had. His communication and follow thru is outstanding. He has guided me through this process, and am so thankful for his leadership. I can’t leave out Ms. Sonia, which has been excellent in assisting me with all communications. Thanks again Steve, for all your expertise.

I would definitely recommend this firm for it’s professionalism and outstanding reputation.

Michael W. from Dallas

Dell Disability Lawyers did such a marvelous job in handling my Lump Sum Longterm Disability claim, that I have to take my hat off, and give them a standing ovation! Cesar and his assistant Michal were not only very professional, but they handled my case in a very expedient way. Both Cesar and Michal were prompt in returning my calls and answering my questions, which is rare for an attorney. Not only did they obtain the lump sum amount that was promised to me by the insurance company, but they increased the amount by a few thousand dollars.

As a man of God, I want to thank God for using Dell Disability Lawyers to resolve my case, but also for the integrity in which they showed. Thanks to the entire Dell Disability Lawyers legal team, and may God bless you to have a long and prosperous legal business!

I would recommend Dell Disability Lawyers because they not only work fast, but they uphold the promises they make.

Mickey C. from Rio Grande Valley

My experience with Dell Disability Lawyers was positive in all aspects. I called on the firm after I had appealed my disability insurance companies decision to drop my disability benefits. If I could go back, I would have let them take care of not only my appeal, but my long term disability claim from the start of my claim. I was totally satisfied with Dell Disability Lawyers.

Top 6 Disability Insurance Cases Resolved by Dell Disability Lawyers in Texas

In order to help you gain a further understanding of Texas disability insurance law our lawyers have provided some simple summaries of disability lawsuits we resolved in Texas. In addition we regularly update this page with recent court decisions, lawsuits and news regarding disability denials in Texas. We handle disability claims from the application stage through the litigation of a disability lawsuit. If you are looking for assistance for your disability insurance claim, then we always offer a free consultation to discuss your options.

Contracts Manager With Toxic Encephalopathy Wins MetLife Long Term Disability Denial Appeal — Our law firm represented a former L3Harris Technologies employee in a successful disability claim appeal against MetLife. The client had developed toxic encephalopathy, chronic fatigue, and chronic pain due to workplace mold exposure. Despite approval of her short-term disability claim, MetLife denied her long-term disability (LTD) benefits citing insufficient medical evidence. Our firm challenged MetLife’s decision by scrutinizing their medical reviews, gathering updated records, and presenting evidence from competent health providers specialized in Chronic Inflammatory Response Syndrome and mold-related illnesses. We also provided personal testimonies and the Mold and Bacteria Building Report from the client’s workplace. Eventually, MetLife reversed their decision, granting our client back pay and continuing monthly benefits.

Prudential Overturns Disability Denial for Third Time to Insured with Cluster Headaches — A former software programmer from Texas, who suffers from debilitating Cluster Headaches, has successfully appealed against the Prudential Insurance Company for the third time with the help of Dell Disability Lawyers. Although Prudential approved his initial claims for short and long-term disability benefits, they continuously attempted to deny his claims and limit his disability benefits to only two years. Prudential incorrectly treated his Cluster Headaches as Migraines and “self-reported” symptoms rather than a valid condition. The former programmer’s legal fight spanned across three years, involving an initial approval for short-term disability, two consequent denials, and three successful appeals. Despite Prudential’s argument that his condition was based on self-report and should have resolved itself after two years, each time the lawyers managed to prove otherwise and continued his claims. If you’re struggling with your insurance carrier due to your medical condition or need assistance securing your benefits, contacting an experienced disability lawyer in Texas is a solid course of action.

Sun Life Approves Claim for Long Term Disability Benefits — Sun Life recently awarded our client long-term disability benefits thanks to the efforts of Attorney Stephen Jessup. Our client, suffering from diabetic peripheral neuropathy and unable to continue his work as a Field Service Engineer, was fearful that Sun Life would deny his claim. Upon working with Attorney Jessup, his claim was prepared with meticulous attention, highlighting his inability to work. One significant challenge was the lack of communication between the short and long-term disability claims departments of Sun Life, pending outdated medical records leading to delays in the client’s claim review. This issue was professionally handled by Attorney Jessup, who ensured Sun Life acknowledged that all required medical records had been provided timely and accurately. His persistence paid off, ensuring the claim was approved per legal timelines. Are you considering applying for disability benefits claim with Sun Life or faced with a denial? It is critical to protect your rights. Sun Life, as a large group disability insurer, is known for challenging unsupported claims. Thus, you may benefit from legal assistance from a Texas disability attorney. 

After Two Appeals, Standard Approves Short & Long Term Disability Benefits for Nurse — Our client, a Senior Case Manager for United Healthcare, could not continue working due to chronic pain, frequent headaches, and cognitive dysfunction. Despite initially being denied her claim for long-term disability benefits by The Standard Insurance Co., our firm approved her claim. Attorney Palamara successfully challenged the denial, demonstrating that The Standard and its physician consultant had not adequately assessed our client’s illness and ignored substantial evidence of her chronic conditions. As a result, our client was finally recognized as disabled and received a sizable benefit check. Our firm’s dedicated and case-specific approach has successfully addressed insurance company denials, even when they incorrectly value medical evidence. This client’s case illustrated our abilities to successfully appeal and secure benefits for those who have been unjustly denied, providing them with the financial assistance they need and deserve. Attorney Palamara will continue to assist our client as she navigates her policy’s changing definition of disability.

Reliance Standard overturned its previous denial of long term disability benefits for Texas Retail Store Manager — Our law firm recently achieved success in appealing against an insurance company, Reliance Standard, on behalf of our client, Mr. S. His Long-Term Disability (LTD) benefits had been wrongfully terminated on the grounds of a mental disorder, despite having physical problems stemming from multiple mini-strokes. Mr. S was a former store manager who developed physical and cognitive impairments leading him to stop working in 2017. Reliance Standard, after paying his LTD benefits for two years, abruptly denied his benefits, falsely attributing his disability to a mental disorder. Our appealing strategy highlighted the inconsistencies in their denial and we defended Mr. S’s disability as being physical and cognitive. An Independent Medical Examination, requested by the insurance company, also diagnosed Mr. S with the physical disorder – Vascular Neurocognitive disorder, strengthening our case. After nine weeks of filing the appeal, Reliance Standard reversed their decision, fully repaid the back benefits, and reinstated Mr. S’s LTD benefits. Our firm continues to safeguard Mr. S’s interests.

Liberty Mutual Approves Disability Benefits to Senior Vice President — Our law firm successfully assisted a former Senior Vice President in securing his long term disability claim, which had been unfairly denied by Liberty Mutual. Despite suffering a debilitating stroke, the insurance company used a bias vocational review to assert he was fit to work. Guided by our expertise, we were able to demonstrate our client’s disability through a Functional Capacity Examination and a detailed vocational report specific to his job description. After two months, Liberty Mutual finally approved the claim but attempted to reduce costs by insisting on a SS application. This case highlights Liberty Mutual’s misuse of discretion and conflicted interest surrounding disability benefits.


Texas Courts, Government and Texas Department of Insurance Information

Federal Courts

Texas has four Federal District Courts, which are the Eastern, Northern, Southern and Western District of Texas 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.

Learn more

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: Mass Mutual Disability Insurance - Own Occupation Rider, for Dentist vs Other insurance Carrier

Answered on April 21st 2023 by Attorney Gregory Dell
A: Jim, Guardian / Berkshire prior to 2021 was one of the best disability companies. They had some management cha... Read More >

Q: Can I lose my Hartford benefits if I also receive an annuity payment?

Answered on January 9th 2019 by Attorney Alex Palamara
A: Fred, I am happy to hear that your claim is being paid. From the scenario you provided, I don’t believe you ... Read More >
Helpful Videos
(861)
Showing 12 of 861 Videos
Disability Benefit Tips
(329)
Showing 8 of 329 Benefit Tips

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 >

Guardian Disability Benefit Claim Handling Tips

When you finally receive a letter from Guardian Disability informing you that your claim for ... Read More >
Dell Disability Cases
(369)
Showing 8 of 369 Dell Disability Cases

Contracts Manager With Toxic Encephalopathy Wins MetLife Long Term Disability Denial Appeal

Our client came to us after her claim for long term disability insurance benefits was denied ... Read More >

After Two Appeals The Standard Insurance Approves Short & Long Term Disability Benefits for Nurse

Prior to filing for disability, our client was a Registered Nurse employed as a Senior Case Manager for United Healthcare. Our client was a de... Read More >

Reliance Standard overturned its previous denial of long term disability benefits for Texas Retail Store Manager

Our client, Mr. S, formerly worked as a Store Manager for a large national retail chain. In August 2016 Mr. S suffered from multiple Transient... Read More >

Liberty Mutual Approves Disability Benefits to Senior Vice President

Our client, a former Senior Vice President for a large national corporation, filed for disability after having suffered a massive stroke durin... Read More >

Reliance Standard Overturns Its Decision to Deny; Dell Disability Lawyers Client Will Again Receive Long Term Disability Benefits

Previously employed as a Store Manager for Victoria's Secret, our eventual client was forced to leave her position on July 8, 2009 due to nume... Read More >

Sun Life Approves Claim for Long Term Disability Benefits

Sun Life recently awarded long term disability benefits to our client following an application for benefits submitted by Attorney Stephen Jess... Read More >

CIGNA Denies Long-term Disability Benefits to Customer Service Representative with Fibromyalgia

Our client, Ms. N, had been employed with Sears Holdings as a customer service representative, before pain and discomfort from fibromyalgia an... Read More >
Disability Lawsuit Stories
(764)
Showing 8 of 764 Lawsuit Stories

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

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

Texas Court Dismisses ERISA Lawsuit due to Judicial Estoppel

The case of Kidd v. The Prudential Insurance Company of America demonstrates the importance of disclosing all potential assets on a bankruptcy... Read More >

Texas Judge Disagrees with Cigna and Applies Claimant Friendly Disability Standard of Review

In Brasseur v. Life Insurance Company of America (LINA), Plaintiff Wilfred Brasseur, a computer engineer, worked in the Houston office of Chic... Read More >

Texas Judge Rules No New Medical Evidence Allowed Post ERISA Disability Appeal

In Hutchings v. Lora Lyons, Plan Administrator, and Ball Industries Employee Injury Benefit Plan, et al. (Defendants), plaintiff Linda Hutchin... Read More >

Texas Ban on MetLife's Discretionary Clause is Great for Long Term Disability Claimants

In Curtis v. Metropolitan Life Insurance Company, a Texas District court focused only on the standard of review it will use when it evaluates ... Read More >

Texas Court Orders Union Central to Provide Discovery to Plaintiff

Shuping v. The Union Central Life Insurance Company is a plaintiff friendly case in the early stages of disability litigation in a Texas feder... Read More >

$1,000,000 in Unum Disability Benefits for an Attorney, Blackmail, and Supreme Court Denies Cert!

Disability insurance cases usually have similar fact patterns, but it's rare that you see a case that involves an attorney as a claimant, blac... Read More >

Texas Court Upholds Prudential Disability Insurance Denial

Prudential paid total disability benefits for two years, but after certain communications from the claimant, his benefits were denied. Does do... Read More >

Reviews from Our Clients

Request a Free Consultation

Our Lawyers Respond Same Day

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.