Our Disability Lawyers Help You Collect Guardian Benefits
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
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Guardian thinks people with lupus miraculously recover
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Stress over Guardian caused my heart attack
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The IRS should know that Guardian refuses to send my W-2 form
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Guardian cancelled my husband's claim without checking his medical records. Do better. We have children to feed and bills to pay.
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Guardian has built-in denial for self-employed individuals
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Guardian has the least helpful folks I have ever met
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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
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Q: I accepted and deposited a lump sum long term disability payment installment for underpayment from Guardian. Can they ask for money back if I try to work again?
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?
Guardian Disability Benefit Claim Handling Tips
Is Your Disability Insurance Claim a Physical or Mental Disability Condition?
Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company
Disability Benefit Denial Reason #3 - Video & Social Media Surveillance
How Do You Fight a Long-Term Disability Denial?
Disability Denial Reason #2 - Change of Disability Definition & Vocational Review
Disability Denial Reason #1 – Paper Review & IME
How to Apply for Reliance Standard Disability Benefits & Top 5 Reasons for a Claim Denial
Lawyer Wins 24 Month Mental Nervous Prudential Disability Denial
How does Reliance Standard deny long term disability benefits after paying for three years?
Louisiana State College Director Wins Unum LTD Appeal But Then Denied Again
FPL Lineman Wins Lincoln Disability Denial Appeal
Anesthesiologist Approved for Long Term Disability Benfits Plus an Extra 9 Months of Benefits
Attorney Alexander Palamara of Dell Disability Lawyers gets LTD Benefits Reinstated for former Walmart Manager who is now found disabled from Any Occupation
Research Epidemiologist with chronic fatigue / ME wins LTD appeal against Prudential
Executive Director with Meniere's Denied Long Term Disability Insurance Benefits By Hartford
Reviews from Our Clients






