Collecting Guardian Disability Benefits Is A Reality
Guardian Disability Claims, Appeals And Lawsuits
Guardian Life Insurance Company of America has been in the insurance business since 1860. While Guardian has been around longer than our law firm, we have been helping claimants with Guardian disability insurance claims since the mid 1980s.
Through the representation of numerous disability claimants in ERISA Appeals, lawsuits and the application for benefits, we have gained an invaluable understanding as to how Guardian evaluates every disability claim.
Unlike most other disability insurance companies, you are lucky to have a Guardian disability policy. Guardian is a large company with more than 5,000 employees and over 5 million customers, but they are managed very well by experienced disability claim managers and examiners.
However, despite Guardian’s efforts to conduct business in good faith, there are still numerous claims every year that are wrongfully denied.
Top Five Reasons Your Guardian Disability Claim Could Be Denied
There are dozens of reasons that could result in a Guardian disability denial, but five most common are:
- Guardian hires a physician to review your medical records and the hired doctor drafts a report stating that the claimant is not disabled.
- Guardian hires a private investigator to follow you around with a video camera. Guardian then uses the video surveillance footage to argue that you can return to work.
- Guardian will send you to either be examined by a doctor of their choice (IME Exam) or to a functional capacity exam (FCE) to evaluate your restrictions and limitations.
- A Guardian hired doctor or nurse speaks with your treating doctor and receives information that you can return to work.
- Your definition of disability changes from “own occupation” to “any occupation” and Guardian hires a vocational expert to find jobs that you probably cannot perform on a daily basis.
Most Guardian Disability Denials Are Governed By ERISA
The majority of the disability Policies sold by Guardian are sold to Employers. If a claimant receives their disability coverage as an Employer provided benefit, then the policy is usually governed by ERISA.
We encourage you to watch any of our videos discussing ERISA. ERISA is a pro-insurance company law that creates a very high burden for claimants to overcome if a lawsuit needs to be filed.
Our disability attorneys litigate and Appeal ERISA claim denials on a daily basis throughout the USA.
If your claim has been denied by Guardian it is important that you take immediate action. The time period to submit an ERISA appeal is usually 180 days and following an ERISA denial you may have a very limited period of time to file a lawsuit.
Our lawyers are available to provide you with a free consultation to discuss your options regarding a denial of disability benefits by Guardian.
Resources to Help You Win Disability Benefits
Submit a Strong Guardian Appeal Package
We work with you, your doctors, and other experts to submit a very strong Guardian appeal.
Sue Guardian
We have filed thousands of disability denial lawsuits in federal Courts nationwide against Guardian.
Get Your Guardian Disability Application Approved
Prevent a Guardian Disability Benefit Denial
Negotiate a Guardian Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
Policy Holder Rating
Guardian not being flexible during Covid
Reply
Guardian thinks people with lupus miraculously recover
Reply
Stress over Guardian caused my heart attack
Reply
The IRS should know that Guardian refuses to send my W-2 form
Reply
Guardian cancelled my husband's claim without checking his medical records. Do better. We have children to feed and bills to pay.
Reply
Guardian has built-in denial for self-employed individuals
Reply
Guardian has the least helpful folks I have ever met
Reply
If you work for a company who offers Guardian, tell them NO and get a non ERISA provider. Guardian lied about my options and then tried to tell me I'm not disabled
Reply
Q: How Does Guardian Calcualutate my Long Term Disability Benefit?
Q: How long do I have to file my Guardian disability appeal?
Q: Can I claim a permanent disability to avoid a surgery that requires several months of down time without promising results?
Q: Do I still need to fill out Guardian claim forms if I am eligible for Presumptive Total Disability?
Q: Can Guardian make me file taxes on a non-taxable insurance?
Q: Does Guardian reduce the qualifying income when an STD becomes a LTD?
Q: Where does PTSD fall in to my Guardian LTD?
Q: Can Guardian deny benefits after "own occupation" period?
Guardian Disability Benefit Claim Handling Tips
Is Your Disability Insurance Claim a Physical or Mental Disability Condition?
How to Apply for Reliance Standard Disability Benefits & Top 5 Reasons for a Claim Denial
Applying for Standard Disability Benefits? Top 5 Claim Denial Reasons
Application Tips: Northwestern Mutual Disability Benefits - Top Denial Reasons
Is UNUM a Good Insurance Company?
Don’t Ignore Disability Insurance. Here’s What to Buy.
How To Get Long Term Disability Benefits Approved Due To Neck Pain
Hartford Denies Disability Benefits To Home Depot Employee 3 Weeks Before Change of Disability Definition
Lincoln overturned its previous denial of LTD benefits for Escalation Engineer
JP Morgan Chase Financial Advisor With Cancer Wins Prudential Long Term Disability Appeal
The Standard, Ameritas and Sun Life Agree to Pay Residual Disability Benefits to General Surgeon
NY Life Disability Benefits Reinstated on Appeal Despite Independent Medical Examination
Unum Approves LTD Benefits for Pharmacist with Eye Disorder
Teacher's Disability Benefits Reinstated by MetLife
Billing Manager With Back Disorder Wins Unum Long Term Disability Denial Appeal
Reviews from Our Clients






