How We Help To Appeal Your Hartford Disability Denial

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

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Our Lawyers Respond Today

Why Is It Important to Prepare a Strong Hartford Appeal? 

We want you to be educated about the Hartford appeal process and learn how our law firm can help give you the best chance to win your Hartford disability appeal. In our Hartford Disability Appeal Tips video above attorneys Gregory Dell and Rachel Alters discuss the following: 

  • Why is it important for you to submit a strong appeal package to Hartford?
  • Why are you at a disadvantage by appealing Hartford’s disability denial on your own?
  • Why is support from your doctor so important for a Hartford disability appeal?
  • How can we help prepare a strong appeal package to Hartford? 
  • Why are custom attending physician statements essential?
  • Why is a vocational review crucial in filing your disability appeal with Hartford?

How Can You Win Your Hartford Disability Appeal?

With strategy, collaboration and execution you can get your Hartford disability claim approved. Every Hartford disability benefit denial is unique because everyone has different medical conditions that prevent them from working, the definition of disability is different in most Hartford 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 Hartford disability denial with you. As you begin the process to get your Hartford disability denial reversed you should watch our video below.

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

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

ERISA regulations require Hartford to prepare and send your claim file within 30 days of a written request. 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 Hartford. Upon receipt, your Hartford disability claim file must be reviewed with great detail. Depending on how long your disability claim has been pending, your claim file can range from 500 to 10,000 pages. 

The Hartford claim files 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. We always request the claim file for our clients and upon receipt we immediately organize and analyze all information so that we can prepare a plan of attack that puts our client in the best position to have their short term or long term disability benefits reinstated.


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


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

After our lawyers complete a full review of your Hartford 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 the preparation of your Hartford appeal. 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. Our appeal plan always includes a medical and occupational strategy. Every plan is anchored by determining what additional medical documentation and support we can obtain to prove your disability. Doctors usually can’t stand insurance companies, and while they want to help you they get frustrated and don’t properly document your restrictions and limitations. The problem is that treating doctors usually document medical records for purposes of treating you and are not assuming that their medical records will be dissected by a disability insurance company. Through our experience in helping thousands of disability claimants we work with your doctors to document your medical conditions appropriately.

We Help You Prove That Hartford’s Doctors Are Wrong

Hartford will commonly deny a long term disability claim on the basis that you have insufficient medical documentation and/or support from your doctor.

Hartford usually relies on their own employed doctors or nurses to deny your disability claim. Regardless of what your doctors may have concluded, Hartford will almost always favor the opinions of their own doctors over your own. The way to overcome this inherent bias is to present strong medical evidence in support of disability that no reasonable person could disagree with. In some cases Hartford will request for you to be examined by one of their doctors. In the video below Attorneys Cesar Gavidia and Rachel Alters discuss what you should expect at a medical exam” requested by The Hartford.

Our job during the appeal process is to work with you and your treating doctors to obtain medical evidence that rebuts Hartford’s internal clinicians (or hired doctors). In addition, 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). We may also submit medical literature from leading medical publications which support your symptoms, limitations and potential risks associated with your condition. Obtaining strong written support from all of your treating doctors is usually the most challenging aspect of preparing a Hartford Disability Appeal.


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


Custom Attending Physician Statements Are Essential

In every appeal we handle, we draft custom attending physician statements for your doctors. Our physician statements are specific to your Hartford Long Term disability policy definition of disability and your specific medical condition(s). The attending physician statements created by Hartford and previously completed by your treating doctors are generic and intentionally designed by Hartford to offer limited support for your claim. Hartford always argues that diagnosis does not equal disability. This means that we must work with your treating doctors to properly document your restrictions and limitations as a result of your diagnosis. 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 and may have you attend an examination. Our disability lawyers are very good at getting this done and it is the most important part of a successful Hartford disability appeal.

Hartford Appeal Success Story

Our client was an IT Business Analyst who became disabled due to various cognitive impairments. Hartford denied his claim, asserting that the medical evidence did not support long term disability. In our video below, Attorneys Gregory Dell and Cesar Gavidia discuss the case in more detail and how an appeal was prepared resulting in Hartford reversing the denial of long term disability benefits.

Why Must Your Appeal Contain Strong Occupational Evidence?

In most Hartford disability denials, Hartford 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 the ability to sit. Hartford’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 Hartford 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 Hartford disability policy. In most Hartford 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 Hartford 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 Hartford Determine The Duties of an Occupation?

Hartford 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 Hartford ignores the way you actually performed your job for your employer and randomly determines how your job is performed nationally. Hartford will also come up with their own opinions about how any job is performed regardless of who the employer may be. 

To rebut Hartford’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 Hartford, review your medical records, review your restrictions and limitations, and explain why you are unable to perform the job duties suggested by Hartford. If necessary, the vocational expert may also perform a labor market analysis discussing the availability and salaries of specific jobs. 

In many denial letters, Hartford 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.

Hartford Appeal Success Story

In the below video, Attorneys Gregory Dell and Stephen Jessup discuss the case of a woman suffering from fibromyalgia and associated mental health claims of disability. Our client worked as an Office Administrator. Hartford limited her claim to a maximum of 24 months, asserting that she had no physical disability. After preparing and submitting an appeal package Hartford reversed the decision to deny or otherwise limit her claim and reinstated long-term disability benefits.

How Courts Review Hartford Disability Appeals

This paragraph may contain some technical legal information and we will try to make it as simple as possible. 95% of Hartford 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 Hartford appeal and it must be drafted in a manner so as not to tell Hartford everything they did wrong. Most people, including lawyers that don’t focus their legal practice on Hartford appeals, will submit appeals where they basically give Hartford a roadmap on how to review the appeal by telling Hartford everything they did wrong on the initial review. They will include lots of case law and a detailed criticism of everything Hartford did wrong. This is not the proper way to submit an appeal and really does nothing more than guide Hartford as to how to conduct a “reasonable review” of your initial claim denial.

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

The “reasonable review” language is key because if your appeal is denied by Hartford 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 first to 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 Hartford was unreasonable. So a Judge can find that you are disabled, but Hartford’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 scary Hartford may seem, we have recovered disability insurance benefits for our Hartford clients in more than 95% of the Hartford disability cases our law firm has accepted.


Why Drafting A Strategic Hartford Disability Appeal Is Crucial 

Because of the abuse of discretion standard that applies to any Hartford 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 Hartford did was wrong. By telling them what they did wrong, it actually helps Hartford 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 Hartford’s appeal review.

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

Let’s Discuss Your Hartford 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 Hartford. Don’t let Hartford 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 Hartford 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 Hartford Appeal Package

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

Learn more

Sue Hartford

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

Learn more

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

Learn more

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

Learn more

Negotiate a Hartford Lump-Sum Settlement

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

Learn more

Hartford Reviews
(71)

Policy Holder Rating

1.5 out of 5
Read 71 reviews
0%would recommend
5
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4
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3
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2
52%
1
46%
Timely Payments
1.9out of 5
Handling Claim
1.9out of 5
Customer Service
1.8out of 5
Dependable
1.8out of 5
Value
1.9out of 5
Showing 8 of 71 Reviews
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.

Hartford

Bad Faith

Reviewed by Dustin G on October 12th 2023   Verified Policyholder | November 2020 date of disability
They kept asking my doctor for the same information that they did not need to process my claim. He kept sending in the same information, and they kept asking for it. My do... read more >
Hartford

Denied by Hartford after 20 years of Payments

Reviewed by Mary on October 11th 2023   Verified Policyholder
Hello,I am a Multiple Sclerosis patient. I also have Lymph-edema, Asthma, Blood-clot problems, Bi-Polar 1 Depression, and Head & Neck Injuries. And now, due to MS, Spast... read more >
Hartford

This company is a scam!

Reviewed by Hana K. on July 13th 2023   Verified Policyholder | December 2022 date of disability
The Hartford does not pay claims. The Hartford only collects premiums. The Hartford doesn’t care if you are terminally ill. I’ve been employed at my employer since 201... read more >
Hartford

Hartford Stopped Payments

Reviewed by Fed up in PA on April 13th 2023   Verified Policyholder | January 2023 date of disability
Worst company ever. Their analysts will go against your treating provider every single time. Horrible experience, just horrible.
Hartford

Hartford never paid me

Reviewed by Nanette M. on April 26th 2020   Verified Policyholder
I went on disability March 25, 2019 until Dec. 23, 2019 from my job FedEx. The Hartford insurance company didn’t pay me my disability check after the end of July. I appe... read more >
Reply
Sent on April 26th 2020 by Attorney Gregory Dell

Nanette, we are sorry to hear that your claim for benefits for the period of July through December was denied. Please feel free to contact us for a free consultation.read more >

Hartford

Hartford rep felt so guilty over how the company treated me that she quit

Reviewed by Delton on April 8th 2020   Verified Policyholder
It’s been since 1998 but they really screwed me over big time and caused my family and I much distress ~ first they required me to go to a psychiatric doctor before they... read more >
Reply
Sent on April 8th 2020 by Attorney Rachel Alters

Delton, I’m sorry to hear about the experience you had with Hartford. Unfortunately since your claim dates back to 1998 it would be too late to file suit as the statu... read more >

Hartford

Hartford ajuster won't return my calls. I might have to move back to California

Reviewed by Jesse on March 17th 2020   Verified Policyholder
I was awarded medical for life, for my back injuries at work by the court of Los Angeles in California years ago. I moved to Colorado two years ago and for the past few mo... read more >
Answered Questions by Our Lawyers
(66)
Showing 8 of 66 Answered Questions

Q: Disability company dropped my monthly benefits

Answered on February 28th 2024 by Attorney Rachel Alters
A: Since you went back to work full time you would not qualify for further benefits. You could file a new claim i... Read More >

Q: The Hartford stopped monthly benefits for repayment due to an overpayment. Once monthly benefits end do I still have to repay remaining overpayment balance?

Answered on February 28th 2024 by Attorney Rachel Alters
A: Yes, you will still be responsible for the overpayment even if your Hartford benefits end. Read More >

Q: Short term vs long term

Answered on February 14th 2024 by Attorney Jay Symonds
A: Nightwatcher, you and your treatment providers will be required to submit additional records and information a... Read More >

Q: Can I do anything to get my LTD ?

Answered on February 3rd 2024 by Attorney Gregory Dell
A: Jacqueline:You should call us to discuss your Hartford disability claim. It usually takes 60-90 days for Har... Read More >

Q: Lifetime disability policy with Hartford

Answered on January 29th 2024 by Attorney Gregory Dell
A: Deb,Thank you for your question about a Hartford lifetime disability policy. In order to support your pos... Read More >

Q: Can the Hartford reduce my long term disability payment due to a rental income?

Answered on January 25th 2024 by Attorney Cesar Gavidia
A: Usually non-work that is not described a deductible source of income the disability policy would not reduce th... Read More >

Q: Is there a specific video to help me prepare for a Hartford doctor appointment (IME)?

Answered on January 3rd 2024 by Attorney Gregory Dell
A: We have prepared a few videos on independent medical exams requested by disability insurance companies. Whethe... Read More >
Helpful Videos
(875)
Showing 12 of 875 Videos
Disability Benefit Tips
(330)
Showing 8 of 330 Benefit Tips

Does Hartford Pay Disability Insurance Claims?

At Dell & Schaefer, we get questions about Hartford long term disability policies on ne... Read More >

How Does Hartford Long Term Disability Work?

The most common questions for a disability attorney involve understanding how disability cove... Read More >

What Happens If My Hartford Short Term Disability Claim is Denied?

Understand your rights once your Hartford short term disability income claim has been denied.... Read More >

How Long Does a Hartford Short Term or Long Term Disability Claim Last?

Hartford disability income policy holders expect Hartford to pay their Short Term & Long-... Read More >

If I Convert my Former Employee Disability Policy to a Private Policy Does ERISA Govern?

Many employer welfare benefit plans offer employees who quit their employment the option of converting their disability insurance pl... Read More >

Is the Hartford Disability Purchase of Aetna Bad for Aetna LTD Policy Holders?

In October 2017 Hartford Insurance company agreed to purchase the disability and life insuran... Read More >

Hartford Disability Claim Problems

Hartford is requesting long term disability claimants to provide additional documentation fro... Read More >

How Can I Protect Myself At A Hartford IME Exam?

In this video, disability insurance attorneys Rachel Alters and Cesar Gavidia discuss what yo... Read More >
Dell Disability Cases
(375)
Showing 8 of 375 Dell Disability Cases

Nurse With Knee and Back Disorder Wins Hartford Disability Appeal

We represent a General Duty Nurse who was denied long term disability benefits as Hartford im... Read More >

Executive Director with Meniere's Denied Long Term Disability Insurance Benefits By Hartford

Our client, came to us when he was unjustly denied his claim for LTD benefits by Aetna, now Hartford, assert... Read More >

A Hartford Disability Benefit Lawsuit Victory for Truist Banker with Lupus

Our client found us after she was denied continued disability insurance benefits by the Hartf... Read More >

Hartford Denies Disability Benefits To Home Depot Employee 3 Weeks Before Change of Disability Definition

Our client was a former in-store merchandising associate responsible for the movement of merc... Read More >

Hartford Denies Long Term Disability Benefits After Paying for 22 Years

It is crazy that Hartford denied long term disability benefits to our client after paying for... Read More >

Hartford Overturns Denial of Disability Benefits on Appeal

Our client, a former clerk at a coal mine with severe lumbar back problems first, contacted our office and spoke with Attorney Stephen Jessup ... Read More >

Hartford Approves Disability Claim After Appeal Deadline

Prior to filing for disability our client worked as a registered nurse in a hospital setting, suffering from multiple chronic medical conditio... Read More >

Hartford overturned its previous denial of LTD benefits for Illinois Account Representative

Our client, Mr. K, formerly worked as an Account Representative for an international brokerage firm. In May 2017 a number of medical issues, i... Read More >
Disability Lawsuit Stories
(765)
Showing 8 of 765 Lawsuit Stories

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 >

Hartford Admits to Improper Offset, Agrees to Reimburse 10 Years of Wrongfully Withheld Money

In August of 2019, the next of kin for a man currently incarcerated in Florida State Prison reached out to our firm as his relative had been d... Read More >

Court Finds Video Surveillance Renders Claimant’s Self-Reporting Unreliable and Upholds Hartford’s Termination of LTD Benefits

In Cummings v. Hartford Life & Accident Ins. Co. (Hartford), Plaintiff was employed by the Free-Port McMoran ... Read More >

Can Medical Records Created After the Eligibility Period Support a Claim for Disability Benefits?

In James s. Louis v. The Hartford Life and Accident Insurance Company (Hartford), Plaintiff was a Senior Principal Product... Read More >

Appeals Court Upholds Hartford's Termination of Disability Benefits

In Scott Griffin v. Hartford Life & Accident Insurance Company, Plaintiff was a medical transcriptionist who was initially awarded long te... Read More >

Hartford Disability Company Field Interview Request and Video Surveillance

Hartford Disability Company, and other disability insurers, use video surveillance and field interviews as a technique to deny claims. A recen... Read More >

Hartford Long Term Disability Benefit Denial Reversed by Minnesota Federal Judge

A long term disability insurance claimant had his benefits denied when a doctor made a mistak... Read More >

Federal District Court Overturns Hartford's Denial of Long Term Disability Benefits

In the recent decision of Tobin v Hartford Life & Acc. Ins. Co. a Michigan Federal District Court overturned Hartford’s denial of long t... Read More >

Reviews from Our Clients

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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.