Engineer Long Term Disability Benefit Claim Tips

If you work as an Engineer the insurance company will apply a very broad and generic approach related to Your occupational duties. As a result, getting approved for long term disability benefits may prove challenging. Insurance companies will often misrepresent what job duties you performed as an Engineer based on a very dated Job Description or rely upon the Dictionary of Occupational Titles, which was last updated in 1991. Neither resource will be accurate and make the decision of the insurance company unsupported by either medical or vocational evidence.

With any long term disability claim, it is important to understand exactly what evidence the insurance company requires to get your long term disability claim approved and with that in mind, obtaining a copy of your entire claim file is the first step. In our Engineer disability claim tips video, attorneys Stephen Jessup and Gregory Dell discuss how insurance companies look at the occupations of Engineers.

How Do Disability  Companies Define the Occupation of an Engineer?

As an Engineer, you may sit at a desk, or you may perform more physically demanding activities. Either way, working as an Engineer is a mentally and cognitively demanding position given the educational requirements to obtain a Degree in Engineering. Insurance companies will regularly dismiss or ignore the mental demands of Your Occupation and if they determine you can sit all day at a computer that must mean, to them, that You are not Disabled. Therefore, it will be very important to discuss both the physical and mental demands of your occupation with Your physician and make it clear that working as an Engineer can run across a very broad range of occupational duties.

What Steps Can You Take To File an Appeal?

With all disability claims, establishing and continuing regular care with your treating physicians and being able to provide medical support for why your condition interferes with your ability to perform one or more of the essential duties of your occupation is crucial. The group disability plans will view your occupation as it is performed in the national economy, and will not look closely at the physical, cognitive, and mental demands of your actual job with your employer If you have a chronic medical condition, especially if You were able to work in your occupation for perhaps months or even years before becoming Disabled. 

The insurance company will want to know what changed such that you could no longer perform your occupational duties. Having a conversation with your physician, documenting those conversations and medical findings to support your inability to work is a necessary step in getting your long term disability claim approved.

Do Insurance Companies Accept Permanent Disability?

If you have a chronic condition that is the result of an injury, sickness, or illness, and it will continue to limit your ability to function or work indefinitely, the insurance company will still want periodic, and often frequent updates from you and your medical providers. Insurance companies will simply dismiss your limitations if medical records or forms are not provided on a regular basis. Submitting forms and medical records may be a hassle, but by not doing so, the insurance company will find a way to say that proof of loss or proof of disability has not been adequately provided and your claim may be denied. If your condition or health continues to prevent you from working then You should submit this evidence as frequently as possible to avoid a Denial of your long term disability claim and not have to go through the hassle of filing an Appeal of Your Disability Claim or Filing a Lawsuit.

How Our Attorneys Can Help You Get Approved for Disability Benefits

You should search our website and learn much more information about your disability insurance company and the process of obtaining short or long term disability benefits. We have already represented hundreds of Engineers, and we know what to expect and know how to help you. We represent claimants nationwide and have hundreds of references available. Give our attorneys a call and we will provide you with an initial free review of your policy or your denial letter if you’ve been denied. We will let you know right away if we can assist with your disability claim.

Resources to Help You Win Disability Benefits

Disability Benefit Denial Options
Submit a Strong Appeal Package

We work with you, your doctors, and other experts to submit a very strong appeal.

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Sue Your Disability Insurance Company

We have filed thousands of disability denial lawsuits in federal Courts nationwide.

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Protect Your Benefits
Get Your Disability Application Approved
We help claimants throughout the entire application process.

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Prevent a Disability Benefit Denial
We manage every aspect of your disability claim following claim approval.

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Negotiate a Lump-Sum Settlement

Our goal is to negotiate the highest possible buyout of your long-term disability policy.

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Disability Company Reviews
(642)
Showing 8 of 642 Reviews
Sedgwick

AT&T Was Great and Sedgwick Horrible

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

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

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

Staff Lie

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

I am sorry to hear about your experience. It’s crazy that Reliance Standard would deny your disability benefits when you are suffering so badly that you need surgery.... read more >

Hartford

Former Hartford employee has had life insurance and accidental death policy's revoked for one late premium payment

Reviewed by Becky H. THOMAS on February 12th 2024   Verified Policyholder | February 2024 date of disability
Dislike how they are constantly interrupting the lives of their disabled EE's whom are entitled to benefit which they paid into out of there pay check every pay period onl... read more >
Reply
Sent on February 12th 2024 by Attorney Gregory Dell

Thank you for your review of Hartford and we appreciate you sharing.  It’s sad they don’t take care of their own employees.

Lincoln Financial

Never received benefits my entire leave - or help with them

Reviewed by Anna on December 19th 2023   Verified Policyholder | November 2023 date of disability
I used my short term disability insurance for maternity leave and started the process beforehand knowing when I would be out (scheduled induction.) It took a little over a... read more >
MetLife

My husband has 2-5 yrs to live, yet MetLife has been giving him the run around

Reviewed by Tina on March 19th 2021   Verified Policyholder
My husband has STD and LTD with his employer. He was dx with ALS/Lou Gehrig’s Disease Aug 2019, made official after many many test, as of Jan 2020 but continued to work ... read more >
Reply
Sent on March 19th 2021 by Attorney Gregory Dell

Tina, I am so sorry to hear that MetLife and the employer have been giving you the run around. From everything that you described, your husband’s claim should be a qu... read more >

New York Life

New York Life denied my claim because they thought there wasn't enough evidence. I haven't had a life in months

Reviewed by Jill on September 25th 2016   Verified Policyholder
I work for Honeywell Aerospace with the engineering department. On the morning of 8/1/16 I was at work when I began to have some issues and was rushed by ambulance to the ... read more >
Reply
Sent on September 25th 2016 by Attorney Stephen Jessup

Jill, please feel free to contact our office to discuss the denial and your pending appeal.

New York Life

This is definately a company thats in it for the bucks!! I hope bad karma catches up to them

Reviewed by Robin on September 19th 2016   Verified Policyholder
I work for honeywell aerospace and they contracted This is definately a company thats in it for the bucks!! I hope bad karma catches up to them to do our short term disabi... read more >
Reply
Sent on September 19th 2016 by Attorney Cesar Gavidia

Robin, have you filed a formal appeal of their denial? If not, please feel free to contact our office to discuss how we may be able to assist you.

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Our client, Mr. E, formerly worked as an Escalation Engineer for a national data services and data management company. For many years Mr. E ... Read More >

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5 Ways We Help Get Your Benefits Paid

Get Your Disability Application Approved

Our goal is to get your application for disability income benefits approved. Applying for disability 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.