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

Disability insurance is one of the most important insurance products, yet the vast majority of people working don’t have it. 35% of employers in the USA offer disability insurance as an employee benefit and the coverage is referred to as a group disability insurance policy. Individuals also have the option to purchase an individual or private disability policy from an insurance agent.

In this article:

As disability insurance attorneys that help people get paid disability insurance benefits, people commonly ask us:

  1. Is disability insurance worth paying for?
  2. What kind of disability insurance policy should I buy?

In order to answer these two popular questions, disability insurance attorneys Gregory Dell and Rachel Alters sat down to discuss the value of having a disability insurance policy and to explain variations in the different types of disability insurance policies.

Why do you recommend for people to have disability insurance coverage?

RACHEL ALTERS: Everyone should have a disability policy, no matter where they work, no matter how much money they make. It is very important to protect yourself if all of a sudden one day you get sick, get in an accident, and you can’t go to work for an extended period of time. Consider how you’d pay for your mortgage, groceries, medical bills, everything. Most people don’t see themselves ever needing it, and those are the people that usually end up needing disability policies. I absolutely recommend that everybody exercise the option for disability if offered by an employer and buy a private disability policy on their own if they can.

There are a lot of stories about long term disability insurance denials, but how often are these disability benefit claims approved? 

GREGORY DELL: The National Association of Disability Insurance Companies says that 90% of disability insurance claims are approved. Like any other type of insurance claim, disability insurance companies aren’t just going to dish out money for a claim. Health insurance, auto insurance, homeowner’s insurance, or renter’s insurance are the most common forms of insurance. If you’ve ever had a claim, there are requirements that you have to satisfy. No matter what kind of claim, you have to follow the terms and conditions of the policy. You’ve got to know how to play the game so that you can put your claim in the best position possible to get paid, and that same strategy applies to whether it’s short-term or long-term disability insurance claims.

Disability insurance coverage - get an individual policy.

RACHEL ALTERS: The truth is that most of the disability insurance claims are approved. Clients call all the time saying they should never have gotten their disability insurance policy. What was the point? Once they hire me and I help them with the claim and I get them approved or we end up getting them a good settlement, they’re always happy that they had the policy. At the moment where they get denied, they say that the policies aren’t good. Everybody should have an insurance policy, even if you have to fight to get the carrier to approve the claim.

If my company offers disability insurance, why is it important to also have an individual policy?

GREGORY DELL: The policy with your employer is only good as long as you continue to have employment with that employer. If you end up switching jobs or you get fired and you’re not disabled at the time, then your policy is done. It’s the same thing if you’re a university professor and you get a new job. You’d lose your policy that you had for years. If you go to try to buy an individual policy after having group coverage for ten or fifteen years, it’s going to be two or three times the expense that it used to be. Age and health are big factors – the younger and healthier you are, the less expensive the policy will be.

The group disability policies are not portable. Very rarely you can convert them to an individual policy. Usually, when you leave your employment, you lose your policy. That’s scary because not everyone stays with the same employer for their entire working career. Your new employer may not have group disability insurance, so it would have been nice to have your own individual policy that goes with you. Another thing to remember is that a disability policy that you buy on your own covers you for the job you were performing when you became disabled. Let’s say you were a cardiac surgeon at the time you bought your policy, but you changed careers and became a carpenter because you didn’t want to do heart surgery anymore. If you have an injury or a sickness while you’re a carpenter, your individual policy is going to cover you from your occupation as a carpenter, not as a cardiac surgeon. That’s very valuable because the policy is fluid, following you throughout your life to cover you no matter what you’re doing.

What do you recommend for someone who is looking to purchase an individual policy?

GREGORY DELL: There are a lot of great agents out there that sell disability insurance policies. I highly recommend that you speak with an agent that is very experienced in selling them. Certain agents focus on doctors, others focus on business people. Some agents know how to handle everybody. Rachel and I, or any of our lawyers, are happy to make agent or disability company recommendations for you. We’re also available to take a look at a policy or answer questions. We encourage you to subscribe to our YouTube channel because as you go through this process we have lots information that will answer all of your questions about long term disability insurance.

If you ever need to file a disability insurance claim down the road, we want to be there to help you. We have our opinions about which companies to buy policies from, which not to, and which policies are better for certain occupations. You can search through our website, look up your company, and look at the different stories and the reviews of each disability company. We have a lot of reviews about all the companies, probably one of the greatest resources on the entire internet for reviews of disability insurance companies so that you can get a flavor for who’s doing what. Feel free to give any of our lawyers a call.

Does disability benefit approval mean that you’re going to stay on claim for as long as you need those benefits? 

GREGORY DELL: No. Every month disability insurance companies evaluate a claimant’s eligibility for disability benefits. It’s not hard to remain eligible but you need to make sure you understand all of the requirements of your policy to stay on claim. We manage long term disability insurance claims on a monthly basis for all of our clients so we always know all of the insurance company tactics.

What’s the best type of long term disability policy to buy?

RACHEL ALTERS: If you’re buying an individual policy from a broker, the best type of policy is an “own occupation” policy that will cover you until you are at least age 65 if you cannot perform the substantial duties of your own occupation. What that means is, at the time you become disabled, whatever your occupation is, whether you’re a doctor, a lawyer, a legal secretary, you own a company, whatever it is that you do is your occupation. If you become disabled and can’t do your specific job, the insurance carrier will pay you your monthly benefits. Then you can go and do another job with different skills and continue to collect total disability benefits. If you’re a nurse and can no longer perform that duty because of a physical injury, you could review medical records. You could sit at a desk all day and still earn money in another job while you’re getting paid under this policy. A true own occupation policy is the best policy to purchase. They may be a little more expensive, but it’s extremely worth it.

Best type of disability insurance policy: own occupation.

What kinds of different terms and conditions should a person ask for when buying a disability insurance policy? 

GREGORY DELL: First it’s important to understand that if your employer is offering group disability insurance coverage, then the employer has already negotiated the policy language and there is nothing you can do to change it.  The employer provided group disability insurance policy has policy language that is the same for every similarly situated employee at your company.

If you are buying a disability insurance policy from an insurance agent, Rachel mentioned the most important policy language, which is a true own-occ definition of disability, but there are less expensive definitions of disability that you can purchase. Buying a disability insurance policy is like adding options onto a car that you would order. These policies are billed annually and paid monthly. You usually get an “own occupation” definition of disability that lasts for two years. Then after that, it changes to an “any occupation” definition of disability, which means that you’re unable to perform the duties of any gainful occupation for which you have experience, education, and training. An own occupation definition is preferable because it covers the duties of your occupation at the time you became disabled, as opposed to any occupation. With an “any occupation” definition the disability insurance company could say they think that you could do another job that you would probably have the qualifications to do but is nothing like the skills of what you used to do.

You also pay a higher price for a shorter elimination period, which is the period of time that you have to be unable to work before you’re eligible to make a claim. The elimination period is usually 180 days, buy them as short as 30 to 90 days. The longer the elimination period, the lower the premium’s going to be. Most people purchase a 90 day elimination period.

Rachel mentioned a disability policy that pays to age 65, but some policies only pay for 24 months, 5 years, or they could pay for your lifetime. A policy that will pay for the rest of your life is going to be a lot more money.

What is a cost of living Increase option in a disability policy?

RACHEL ALTERS: Disability insurance policies are standard with a set monthly amount that will be the same for each month that you remain eligible. The disability companies offer a Cost of Living increase (COLA) rider which will raise you disability benefit every 12 months by either a fixed percentage or the percentage in which the consumer price index increases. A person should buy a disability policy with a Cost of Living increase option because your benefit can increase each year. A COLA is a really good option because it doesn’t usually cost that much to have in the policy and it can increase the benefit greatly over several years.

Why is the “national economy” definition of disability bad for disability claimants?

RACHEL ALTERS: Disability insurance companies mislead people into thinking they have an “own occupation” definition of disability, but when you look at the definition of disability you realize that it is not actually protecting the way in which you performed the job for your employer. Insurance carriers can place language in the disability policy that describes your own occupation as it’s defined in the national economy, or ONET, which provides a list of generic occupational duties for all types of jobs. Let’s say you are a salesperson that is required to travel multiple times a month, to lift heavy boxes, to be in sales meetings. Things that as a sales manager are required in your specific job, that aren’t necessarily how ONET defines the duties of a salesperson in the national economy. This can hurt a claim because if the insurance carrier goes by the national economy definition, and then you have to get on a plane multiple times a month, and can’t do that with your disability, the insurance carrier won’t even consider that because it’s not listed in the occupational duties in the national economy. So, I always recommend that my clients make sure the definition of own occupation is as it’s defined at the job that you are performing on the date you become disabled.

How do pre-existing conditions play into the application process and what should applicants do if they have one?

GREGORY DELL: A claimant should understand that when they go out to buy their policies you have to be honest about every question that you get asked. If you are untruthful or forget something, it’s possible that when you go to file your claim that the disability insurance company will say that you misrepresented on your application, and therefore your policy is void. They’ll give you back the premiums that you paid, but they’re not going to cover your claim. The first thing they do when you file a claim is to look for pre-existing conditions and verify everything that you put on that application. I have seen where claimants make a claim 20 years after applying, and the insurance company sees something that is related to something that wasn’t disclosed on the application. Then they void or attempt to void the entire policy. Be honest about every single thing because your policy may be worthless if you aren’t truthful in your application. It’s a tremendous issue that you have to be aware of.

RACHEL ALTERS: Sometimes I’m asked by applicants if they can still get coverage if they have a herniated disk in their back. The truth is, the insurance company will probably put an exclusion on your policy. A “rider” says that they will cover you for any and all disabilities other than the back issue that you currently have. So, if you try and make a claim down the road for that specific back condition, it’s going to be excluded. However, if you become sick with something else, like Alzheimer’s or Parkinson’s, or something else that doesn’t involve that specific area of the back, then the insurance company is required to cover you. So, it doesn’t hurt to get a policy with an exclusion – it’s better off than having no policy at all.

What is a mental nervous limitation in a disability policy? 

RACHEL ALTERS: A lot of people don’t realize that mental nervous limitations are included in a disability policy for medical conditions such as depression, anxiety, bipolar disorder, or sometimes schizophrenia. Insurance companies will limit payments under these disabilities to 24 months during the lifetime of the policy. Certain companies have no mental nervous limitations in their policies. They may cost a little bit more, but it’s one hundred percent worth purchasing those policies because it is a very common to be disabled by a mental nervous condition.

Did you find this helpful?
Unhelpful (1)

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
Showing 8 of 642 Reviews

AT&T Was Great and Sedgwick Horrible

Reviewed by From a great job to a complete nightmare on March 20th 2024   Verified Policyholder | March 2024 date of disability
My Physician recommended that I take some time from a toxic environment after several deaths in my family coupled with AT&T trying to run tenured employees out of the door... read more >
New York Life

Keeps claiming they will not approve claim for pre existing conditions but my illness is not preexisting

Reviewed by M.T. on February 15th 2024   Verified Policyholder | May 2023 date of disability
I have been appealing a claim for LTD for 8 months! New York Life keeps claiming they will not approve claim for pre existing conditions but my illness is not preexisting ... read more >
Reliance Standard

Staff Lie

Reviewed by Tanya on February 12th 2024   Verified Policyholder | August 2021 date of disability
I had my disability cut off the day I was scheduled to find out whether I should have surgery. The claims examiner was aware that I had an appointment on that date and sai... read more >
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 >


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 >
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 >


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.

Low payments

Reviewed by Dorothy on November 30th 2023   Verified Policyholder | November 2023 date of disability
I was injured at work. I did house keeping in a hospital. I tore just about everything imaginable in my knee. I was let go from my job, because I was no longer able to do ... read more >
Answered Questions by Our Lawyers
Helpful Videos
Showing 12 of 896 Videos
Disability Benefit Tips
Showing 8 of 331 Benefit Tips

Why Must Your Disability Insurance Lawyer Understand Your Disabling Condition?

When it comes to securing your long term disability benefits, it's vitally important that you... Read More >

Disability Benefit Denial Reason #5 – Your Medical Evidence is Weak

If you're seeking long term disability benefits from an insurance company, you may be 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 >
Dell Disability Cases
Showing 8 of 375 Dell Disability Cases

Seven Surgeries and The Standard Still Denies Long Term Disability Benefits

Our client was employed with the State of Oregon as a Technical Support Representative. She s... Read More >

Sun Life Wrongfully Denies Disability After Paying For 23 Months

We represent a 57 year-old claimant who’s occupation was selling commercial vehicles for ma... 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 >

Engineer With Depression Wins Prudential LTD Appeal

The claimant is a former Senior Technology Services Engineer for Accolade, Inc. who was force... Read More >

New York Life Approves Disability Benefits for School Teacher With Multiple Sclerosis

Our client, a former elementary school teacher suffering from Multiple Sclerosis, contacted our office after New York Life terminated her clai... Read More >
Disability Lawsuit Stories
Showing 8 of 765 Lawsuit Stories

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... Read More >

Unum Wrongfully Terminated Disabled Lawyer’s Disability Claim of Depression and Anxiety Despite Improvement in His Condition

This Unum lawsuit and appeal in federal court is a great victory for all Unum disability claimants. This ca... Read More >

Federal Court Overturns Aetna Denial Of Disability Benefits

In the recent case of Ferrin v. Aetna Life Ins. Co. a federal judge from the Northern District of Illinois determined that Aetna improperly te... Read More >

Court Finds Irregularities in Procter & Gamble Long Term Disability Benefit Denial

In ERISA cases filed in a district court asking for judicial review of a plan administrator's denial of benefits, the court is generally limit... Read More >

Federal Judge Makes Companion Life Insurance Pay Long Term Disability Benefits

Companion Life tried to play games and deny long term disability benefits, but thankfully a New Mexico Federal Judge made them pay disability ... Read More >

NFL Disability Review Board Ignores Evidence of Disability and Appeal Court Reverses Lower Court Decision

In Darren Mickell v. Bert Bell/Pete Rozelle NFL Players Retirement Plan (Plan), Mickell spent nine years in the NFL as a defensive e... Read More >

Judge Agrees that MetLife's Denial of Long Term Disability Benefits was Reasonable

In Anne Ehlert v. Metropolitan Life Insurance Company (MetLife), Ehlert was a consulting pension actuary for pension plans at Towers Watson.... Read More >

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

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

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.