Guardian Appeal

Let’s discuss how you can win your Guardian Disability Appeal. Guardian disability denials are usually unreasonable and with preparation of a strong appeal package you can get your benefits paid. There is only one chance to submit a Guardian appeal. Itt must be drafted strategically in order to win your disability benefits. Our disability insurance lawyers have reviewed thousands of Guardian short and long term disability denials on behalf of claimants nationwide and we are available now to provide you with a free phone consultation. We have seen every type of Guardian disability denial and we know exactly what is required in order to give you the best chance to win your Guardian disability benefit appeal.

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Our Lawyers Respond Today

Why Is It Important to Prepare a Strong Guardian Appeal? 

We want you to become educated about the Guardian appeal process and learn how our law firm can help give you the best chance to win your Guardian disability appeal. In our Guardian Disability Appeal Tips video attorneys Gregory Dell and Stephen jessup discuss the following: 

  • What is your first step to appealing a Guardian denial?
  • Can you appeal the Guardian denial more than once?
  • What information did the Guardian use to deny your disability claim?
  • Can Guardian rely exclusively only on the medical opinions of their hired doctors?
  • Should you submit additional medical evidence for your Guardian appeal? 
  • Why are custom attending physician statements essential?
  • Does Guardian require objective medical evidence to win benefits?
  • Why is it important for you to submit a strong appeal package to the Guardian?
  • How can we help prepare a strong appeal package to the Guardian? 
  • How does the Guardian determine the duties of a job?

How Can You Win Your Guardian Disability Appeal?

With strategy, collaboration and execution you can get your Guardian disability claim approved. Every Guardian disability benefit denial is unique because everyone has different medical conditions that prevent them from working, the definition of disability is different in most Guardian disability policies, and lastly your prior work experience and education will have a big impact on the ability to perform any job. Our law firm’s history of winning disability appeals comes from working very closely and strategically with you, your treating doctors, and vocational consultants. We take a custom approach to how we handle every appeal and we look forward to discussing your Guardian disability denial with you. As you begin the process to get your Guardian disability denial reversed you should watch our video below:

Most Guardian disability benefit denials are based on Guardian’s determination that you do not have sufficient medical limitations which prevent you from working in a specific occupation or any occupation. While Guardian may first notify you of a disability denial via telephone, the basis for Guardian’s denial is required by The Law to be included in their denial letter and the documents supporting the disability denial must be contained in the claim file. In your Guardian denial letter, Guardian gives you the right to request a complete copy of your claim file and that is the first step we take.

Why is Guardian Required To Send You All Information Used To Deny Your Disability Claim?

ERISA regulations require Guardian to prepare and send your claim file within 30 days of a written request. We draft a very specific request for the claim file so that Guardian cannot hide any documents or information that we think can help to win your appeal. The claim file is supposed to include all information relied upon to deny your disability benefits, which would include medical records, financial records, internal emails, memos and notes, your disability plan documents, video surveillance and any medical reviews and vocational reviews conducted by Guardian. 

The Guardian claim files provided are often intentionally disorganized and require legal experience in order to know what information in the claim file is relevant to preparing a strong Appeal. Your claim file may contain thousands of pages of evidence, and once we receive your file, we immediately organize and analyze all information so that we can prepare a plan of attack that puts You in the best position to have Your short term or long term disability benefits reinstated.


There is only one chance to submit a Guardian appeal and it must be drafted strategically.


How Does A Plan of Attack Help You Win a Guardian Disability Appeal?

After our lawyers complete a full review of your Guardian claim file and review all of your up to date medical records, we formulate a plan of attack that we believe must be followed in preparation of your Guardian appeal. Every plan is focused on determining what additional medical documentation and support we can obtain to prove your disability. You only have 180 days from your date of benefit denial to submit an appeal so it’s important to act quickly in order to submit a timely appeal package. 180 days may seem like a lot of time, but you really want to have as much time as possible so that you can obtain as much additional medical and occupational support as possible. It’s not easy to get in quickly for doctor appointments and it takes time for doctors to complete documentation on your behalf. 

We Help You Prove That Guardian’s Doctors Are Wrong

Guardian will commonly deny a long term disability claim on the basis that you have insufficient medical documentation and/or support from your doctor. The Guardian usually relies upon their own employed doctors or nurses to deny your disability claim. Regardless of what your doctors may have concluded, the Guardian will almost always favor the opinions of their own doctors over yours.  The way to overcome this inherent bias is to present strong medical evidence in support of disability that no reasonable person could disagree with. 

As a practical matter, Doctors don’t like dealing with insurance companies, and while they want to help you they get frustrated. Your doctors document your medical records for the purposes of treating you and not for an insurance company review. As a result, most doctors do not document all of your limitations and complaints for purposes of a disability claim. Through our experience in helping thousands of disability claimants we educate your doctors about your disability insurance policy language and work with your doctors to document your medical conditions appropriately.


Obtaining strong written support from all of your treating doctors is usually the most challenging aspect of preparing a Guardian Disability Appeal.


Custom Attending Physician Statements Are Essential

Our job during the appeal process is to work with you and your treating doctors to obtain medical evidence that rebuts Guardian’s doctors (or hired doctors) written opinions. The attending physician statements created by Guardian and previously completed by your treating doctors are generic and intentionally designed by Guardian to offer limited support for your claim.

In every appeal we handle, we draft custom attending physician statements for completion by your doctors. Our physician statements are specific to your Guardian Long Term disability policy definition of disability and your specific medical condition(s). With every type of medical condition we know the exact information Guardian and their doctors are seeking as evidence of disability. If you have more than one condition that may impact your ability to work, and are treating with more than one physician we will reach out to all relevant treating doctors.

In addition to a custom physician statement we may suggest additional diagnostic testing or medical consultations with different medical specialists if we believe it will help bolster your claim. In some appeals, we will have you undergo a Functional Capacity Exam (FCE) or an Independent Medical Exam (IME). The results of an FCE are shared with your treating doctors as they can provide strong support for your functional limitations. In some appeals, we will submit medical literature from leading medical publications which support your symptoms, limitations and potential risks associated with your condition.

Guardian Appeal Success Story

We handled the case of a Pediatrician who had been diagnosed with an eye disorder. Guardian denied the claim but after obtaining counsel, and after submitting an appeal by our office the Guardian reversed the decision to deny the claim and approved disability benefits. In the video below attorneys Gregory Dell and Cesar Gavidia discuss the case in more detail and what was done to prepare an appeal.

Why Must Your Appeal Contain Strong Occupational Evidence?

In most Guardian disability denials, Guardian will argue that if you can sit in a chair for 6 hours a day then you should be able to work. This is obviously a ridiculous conclusion , but you must submit occupational evidence that any job requires more than just an ability to sit. Guardian’s denial letters will usually misrepresent your job duties or list other jobs they think you can perform for 40 hours a week. Depending upon the applicable definition of “disability” at the time you become disabled, it is critical to review how Guardian has determined the duties of a job they say you can perform. 

The occupational evidence that must be presented in your appeal will depend upon whether your definition of “disability” is either the inability to perform your “Own Occupation” or the inability to perform “Any Gainful Occupation”. Own Occupation and Any Gainful Occupation are defined terms in your Guardian disability policy. In most Guardian disability policies the definition of disability is Own Occupation for the first 24 months and then it switches to the more difficult definition of Any Gainful Occupation. Most Guardian disability denials happen either at the inception of a disability claim or when the definition of disability changes at the 24 month mark.

How Does Guardian Determine The Duties of an Occupation?

Guardian will rely on their own vocational consultant to determine how either your job is performed in the national economy or how any other job is performed in the national economy. This means that Guardian ignores the way you actually performed your job for your employer and randomly determines how your job is performed nationally. Guardian will also come up with their own opinions about how any job is performed regardless of who the employer may be. 

To rebut Guardian’s unreasonable occupational assessments, we regularly work with vocational experts in order to clearly define the duties of a specific job and the physical requirements to perform a specific job for 40 hours a week. A vocational expert will prepare a detailed report which reviews the duties of all jobs suggested by Guardian, review your medical records, review your restrictions and limitations, and explain why you are unable to perform the job duties suggested by Guardian. If necessary, the vocational expert may also perform a labor market analysis discussing the availability and salaries of specific jobs. 

In many denial letters, Guardian will come up with jobs that are not available in your area and that make these job suggestions unreasonable. As additional occupational evidence we may also submit employer statements from your co-workers, your job description, a personal statement from you about a typical day at the job, industry reports, and samples of work products produced in your job. 

We provide a lot of detail in our Appeals to explain why you cannot perform the specific job duties of either your job or any job. Depending upon your definition of disability when you are denied, we also present evidence in our Appeals that can get you approved for benefits if your definition of disability will change at the 24 month mark. We don’t want you to win an Own Occupation appeal only to be denied again because you don’t qualify under the Any Occupation definition of disability.

Guardian Appeal Success Story

We handled the case of a Vice President of Sales who suffered from psoriatic arthritis and knee pain. Guardian denied his claim, but after obtaining our services and submitting a strong appeal package Guardian reversed the decision to deny his disability claim. Attorneys Gregory Dell and Rachel Alters discuss the case below.

How Courts Review Guardian Disability Appeals

This section contains some technical legal information and we will try to make it as simple as possible. Most Guardian disability appeals are governed by a law called ERISA and you must understand ERISA laws in order to prepare and write a strategic appeal. There is only one chance to submit a Guardian appeal and it must be drafted in a manner so as to not tell the Guardian everything they did wrong. Most people, including lawyers that don’t focus their legal practice on Guardian appeals, will submit appeals where they basically give Guardian a roadmap on how to review the appeal by telling Guardian everything they did wrong on the initial review. They will include unnecessary or dated case law and a detailed criticism of everything Guardian did wrong. This is not the proper way to submit an appeal and really does nothing more than guide Guardian as to how to conduct a “reasonable review” of your initial claim denial.

What Does A Reasonable Review Mean Under ERISA For A Guardian Appeal?

The “reasonable review” language is key because if your appeal is denied by Guardian and an ERISA lawsuit is filed, a judge must review the denial and apply an unfair legal standard called “abuse of discretion”. The abuse of discretion standard requires a judge to first determine if you are disabled. If the Judge concludes you are disabled, then the Judge can only reverse the benefit denial if he or she thinks the review conducted by Guardian was unreasonable. So a Judge can find that you are disabled, but Guardian’s unfavorable review of your claim was reasonable. In this scenario your denial will be upheld as the Judge must defer to the reasonable review conducted by the insurance company.


No matter how big or powerful Guardian may seem, we have recovered disability insurance benefits for more than 95% of our Guardian clients.


Why Drafting A Strategic Guardian Disability Appeal Is Crucial 

Because of the abuse of discretion standard that applies to any Guardian disability policy that contains a “discretionary clause”, we always draft a strategic appeal that focuses on your medical restrictions/limitations and how you are disabled in accordance with your disability policy’s definition of disability, rather than simply saying what Guardian did was wrong. By telling them what they did wrong, it actually helps Guardian create a record for litigation that could be perceived as more reasonable. There are a few states where the discretionary clause is illegal and the judge’s decision on the claim will be final regardless of the reasonableness of Guardian’s appeal review.

Regardless of the standard of review that will apply to your Guardian disability appeal denial, our lawyers have a very specific style of organizing, preparing and drafting Guardian disability appeals letters which have helped thousands of disability claimants nationwide to receive their disability insurance benefits.

Let’s Discuss Your Guardian Disability Denial

When we review your claim we will give you an immediate and honest opinion about your chances of recovering disability insurance benefits from Guardian. Don’t let Guardian or anyone else convince you to handle your Appeal without legal help as you are about to go to battle against a company that generates billions of dollars a year in revenue. To help you learn as much as possible about Guardian and the ERISA Appeal process we encourage you to review all of the helpful information listed below. We welcome you to contact any of our disability insurance lawyers for an immediate free phone consultation.

Resources to Help You Win Disability Benefits

Disability Benefit Denial Options
Submit a Strong Guardian Appeal Package

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

Learn more

Sue Guardian

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

Learn more

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

Learn more

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

Learn more

Negotiate a Guardian Lump-Sum Settlement

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

Learn more

Guardian Reviews
(17)

Policy Holder Rating

1.6 out of 5
Read 17 reviews
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58%
1
41%
Timely Payments
1.9out of 5
Handling Claim
2.4out of 5
Customer Service
1.9out of 5
Dependable
2.2out of 5
Value
1.9out of 5
Showing 8 of 17 Reviews
Guardian

Guardian not being flexible during Covid

Reviewed by Robert W. on April 13th 2020   Verified Policyholder
Guardian denied my LTD due to doctor’s office not sending medical records quickly due to office closed because of Corona virus. There was nothing that I could do to get ... read more >
Reply
Sent on April 13th 2020 by Attorney Gregory Dell

Robert, this is very unfortunate and sad to hear. You would think that Guardian might understand that the great majority of the country is “shut down” and getting d... read more >

Guardian

Guardian thinks people with lupus miraculously recover

Reviewed by Virginia Z on March 20th 2020   Verified Policyholder
I became disabled in 2018 (Lupus and Sjogren’s). I’m 54 and I worked over 30 years (for the government) before I became disabled. I received Guardian STD and then LTD ... read more >
Reply
Sent on March 20th 2020 by Attorney Jay Symonds

Virginia: This is a very unfortunate situation they’ve put you in. You should request in writing an extension of time to submit the information and documentation. You... read more >

Guardian

Stress over Guardian caused my heart attack

Reviewed by Kate on September 20th 2017   Verified Policyholder
All of a sudden (after 12 years), Guardian LTD is sending more and more paperwork – especially after someone stole my identity and filed taxes in my name. The IRS knows ... read more >
Reply
Sent on September 20th 2017 by Attorney Stephen Jessup

Kate, please contact our office to discuss your claim in greater detail with one of our disability insurance attorneys.

Guardian

The IRS should know that Guardian refuses to send my W-2 form

Reviewed by James R. on May 19th 2017   Verified Policyholder
I have received Long Term Disability through Guardian. They cut off my checks in July of last year. I appealed their denial and won. Now I am fighting them to get my W-2 f... read more >
Reply
Sent on May 19th 2017 by Attorney Rachel Alters

James, have you made your request in writing? Also, is your benefit taxable? If it is not, Guardian would likely not send anything.

Guardian

Guardian cancelled my husband's claim without checking his medical records. Do better. We have children to feed and bills to pay.

Reviewed by Blanca D. on March 17th 2017   Verified Policyholder
My husband was disagnosed with a long term debility in October 2016. In March 2017, Guardian sent him a form that said his doctor saw him on march 3, 2017 and cleared hi... read more >
Reply
Sent on March 17th 2017 by Attorney Stephen Jessup

Blanca, if your husband’s claim has been denied he will need to go through the administrative appeal process. Please feel free to contact our office to discuss his cl... read more >

Guardian

Guardian has built-in denial for self-employed individuals

Reviewed by Vinny G. on January 23rd 2017   Verified Policyholder
I have had a non employer Guardian LTD policy since 1991. It is for full disability. I have never had a need for it. Now that I do, I am finding they are doing all they ca... read more >
Reply
Sent on January 23rd 2017 by Attorney Cesar Gavidia

Vinny, we would need to review your policy and all the correspondence from Guardian to determine how we may be able to assist you. Please feel free to contact our offic... read more >

Guardian

Guardian has the least helpful folks I have ever met

Reviewed by Jaye W. on December 7th 2016   Verified Policyholder
Trying to get my husband’s short term debility started after a heart attack. I don’t understand their process for collecting information and making a decision about hi... read more >
Reply
Sent on December 7th 2016 by Attorney Stephen Jessup

Jaye, please feel free to contact our office to discuss your husband’s claim.

Guardian

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

Reviewed by Bill on July 11th 2016   Verified Policyholder
I have been disabled for 15 years or so… The Guardian compelled me to apply for SSDI benefits to offset Guardian liability.. The Guardian even retained the atty… I won... read more >
Reply
Sent on July 11th 2016 by Attorney Gregory Dell

Bill, have you appealed the denial? Please contact our office to discuss your denial and to determine how we may be able to assist you.

Answered Questions by Our Lawyers
(23)
Showing 8 of 23 Answered Questions

Q: How Does Guardian Calcualutate my Long Term Disability Benefit?

Answered on June 29th 2020 by Attorney Cesar Gavidia
A: Christopher, you should request a detailed explanation and calculation of your long-term disability benefit fr... Read More >

Q: How long do I have to file my Guardian disability appeal?

Answered on June 25th 2020 by Attorney Stephen Jessup
A: Jennifer, if you have an employer provided policy you will have up to 180 days to file the appeal. If you woul... Read More >

Q: Can I claim a permanent disability to avoid a surgery that requires several months of down time without promising results?

Answered on September 14th 2019 by Attorney Jay Symonds
A: Lia, each claim depends on the specific facts and circumstances of the case in conjunction with the specific t... Read More >

Q: Do I still need to fill out Guardian claim forms if I am eligible for Presumptive Total Disability?

Answered on June 25th 2019 by Attorney Cesar Gavidia
A: Kate, it is common for benefit checks to be accompanied with claim forms as a matter of course. You can make i... Read More >

Q: Can Guardian make me file taxes on a non-taxable insurance?

Answered on August 9th 2018 by Attorney Gregory Dell
A: Dan, Guardian cannot make you file taxes. Only a tax professional can determine whether your benefits are taxa... Read More >

Q: Does Guardian reduce the qualifying income when an STD becomes a LTD?

Answered on April 24th 2028 by Attorney Alex Palamara
A: John, the document you are describing might not actually be the Long Term Disability Insurance Policy. The 270... Read More >

Q: Where does PTSD fall in to my Guardian LTD?

Answered on April 5th 2018 by Attorney Gregory Dell
A: Frank, Limitations for mental health conditions are common in disability policies and alcoholism as well as PT... Read More >
Helpful Videos
(888)
Showing 12 of 888 Videos
Disability Benefit Tips
(331)
Showing 8 of 331 Benefit Tips

Guardian Disability Benefit Claim Handling Tips

When you finally receive a letter from Guardian Disability informing you that your claim for ... Read More >

Is Your Disability Insurance Claim a Physical or Mental Disability Condition?

Almost every Group (ERISA) Long Term Disability Benefit Plan contains a provision which limits the length of time disability benefits will be ... Read More >

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 >
Dell Disability Cases
(375)
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 ... 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
(765)
Showing 8 of 765 Lawsuit Stories

Do Not Sleep on Your Rights to Disability Benefits

In a recent case out of New York, the court found that the Plaintiff did not provide a good enough reason for failing to timely file his ERISA... Read More >

Medical Doctor sues Guardian / Berkshire for $1.2 million dollars following denial of disability insurance benefits

Recently, in the case of Laser & Cosmetic Dermatology S.C and Jawdat Abboud Vs. Guardian Life Insurance Company Of America, Berkshire Life... Read More >

Guardian Life Insurance seeks overpayment of disability benefits for child social security disability benefits awarded to disabled claimant's daughter

A recent lawsuit filed against Guardian Life Insurance Company highlight an issue that comes up regularly for disability insurance claimants t... Read More >

Doctor files a disability insurance lawsuit against Guardian Life Insurance

Dell Disability Lawyers filed a disability insurance lawsuit against The Guardian Life Insurance Company of America in a New Jersey Federal co... Read More >

Guardian disability insurance denial is upheld by Ohio Federal Court & Sixth Circuit Court of Appeals

A Federal Court of Appeals recently upheld Guardian's decision to terminate long-term disability payments to an executive after four years. In... Read More >

Guardian & Berskhire Life long term disability insurance claims

It is not often we say positive things about disability insurance companies, but Guardian Ins... Read More >

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 >

Reviews from Our Clients

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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.