How We Help To Appeal Your Lincoln Disability Denial

Let’s discuss how you can win your Lincoln Disability Appeal. Lincoln disability denials are usually unreasonable and with preparation of a strong appeal package you can get your benefits paid. Your Lincoln appeals must be drafted strategically in order to win your disability benefits. Our disability insurance lawyers have reviewed thousands of Lincoln 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 Lincoln disability denial and we know exactly what is required in order to give you the best chance to win your Lincoln disability benefit appeal.

Why Is It Important to Prepare a Strong Lincoln Appeal Package? 

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

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

How Can You Win Your Lincoln Disability Appeal?

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

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

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

ERISA regulations require Lincoln 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 Lincoln 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 Lincoln. The Lincoln 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.


An Appeal to Lincoln must be drafted strategically.


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

Lincoln typically offers two chances to appeal your disability denial but it is important to understand the above steps and processes regardless of whether you’ve already appealed once or just received Lincoln’s initial disability denial letter. An appeal to Lincoln must be drafted strategically. You cannot pursue civil litigation until after the second long-term disability appeal is filed and then denied again by Lincoln.

After our lawyers complete a full review of your Lincoln 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 Lincoln 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 Lincoln’s Doctors Are Wrong

Lincoln will commonly deny a long-term disability claim on the basis that you have insufficient medical documentation and/or support from your doctor. rely on their own employed doctors or nurses or hired clinicians to deny your disability claim. Regardless of what your doctors may have concluded, Lincoln 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 to prove 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 Lincoln 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 Lincoln’s doctors (or hired doctors) written opinions. The attending physician statements created by Lincoln and previously completed by your treating doctors are generic and intentionally designed by Lincoln 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 Lincoln Long Term disability policy definition of disability and your specific medical condition(s). With every type of medical condition we know the exact information Lincoln 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. We may alsoIn some appeals, we will submit medical literature from leading medical publications which support your symptoms, limitations and potential risks associated with your condition.

Lincoln Appeal Success Story

This video discusses the appeal of a decision by Lincoln to deny a social worker diagnosed with Trigeminal Neuralgia whose claim was denied by Lincoln. She was able to win the Lincoln Disability Denial Appeal after obtaining our assistance. Attorneys Gregory Dell and Rachel Alters discuss how they helped our client prepare a strong appeal package.

Why Must Your Appeal Contain Strong Occupational Evidence?

In most Lincoln disability denials, Lincoln 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. Lincoln’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 Lincoln 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 Lincoln disability policy. In most Lincoln 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 Lincoln 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 Lincoln Determine The Duties of an Occupation?

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

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

In many denial letters, Lincoln 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.

Another Lincoln Appeal Success Story

Attorneys Gregory Dell and Rachel Alters discuss another case. Our client worked as an Architect who suffered from Lymes Disease and symptoms of Chronic Fatigue. Lincoln denied the claim but after we helped to submit a strong appeal, Lincoln reversed the decision and approved the claim.

How Courts Review Lincoln Disability Appeals

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

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

The “reasonable review” language is key because if your appeal is denied by Lincoln 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, the Judge can only reverse the disability benefit denial if he or she thinks the review conducted by Lincoln was unreasonable. So a Judge can find that you are disabled, but only find in your favor if Lincoln’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 Lincoln may seem, we have recovered disability insurance benefits for our Lincoln clients in more than 95% of the Lincoln disability cases our law firm has accepted.


Why Drafting A Strategic Lincoln Disability Appeal Is Crucial 

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

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

Let’s Discuss Your Lincoln 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 Lincoln. Don’t let Lincoln 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 Lincoln 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 Lincoln Financial Appeal Package

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

Learn more

Sue Lincoln Financial

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

Learn more

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

Learn more

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

Learn more

Negotiate a Lincoln Financial Lump-Sum Settlement

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

Learn more

Lincoln Financial Reviews
(93)

Policy Holder Rating

1.6 out of 5
Read 93 reviews
0%would recommend
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56%
1
41%
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Showing 8 of 93 Reviews
Lincoln Financial

Lincoln Financial made my life a living hell

Reviewed by Salyna D on June 1st 2022   Verified Policyholder
Lincoln Financial made my life a living hell. I went on medical leave from my job just to work for them basically. My mental health is worse than it was and I still do not... read more >
Reply
Sent on June 2nd 2022 by Attorney Stephen Jessup

Salyna, I am sorry to hear about your experience. I wish I could say it is an anomaly, but it is an all too common occurrence. Depending on if the claim was ever approv... read more >

Lincoln Financial

Lincoln Financials wants to claw back my money

Reviewed by Paul F. on June 30th 2021   Verified Policyholder
Lincoln financial wants to claw back money from ssi and we had two employers so I got disability from both employers one used Lincoln one used Cal EDD for short term so we... read more >
Reply
Sent on June 30th 2021 by Attorney Stephen Jessup

Paul, unfortunately, under employer provided policies there are provisions related to offsets for sources of Other Income. Both the California disability and Social Sec... read more >

Lincoln Financial

This is the second time I've been shorted in my check

Reviewed by Wendy J. on June 16th 2021   Verified Policyholder
I have been out of work since 3/25/21. I had to jump thru hoops to get an extension from 4/28/21 to 6/13/21. I have had MRI, x rays which showed anuerysmal tumor on my fib... read more >
Lincoln Financial

Lincoln Financial denied my STD claim because one doctor didn't send them my medical information.

Reviewed by Eric J. on April 6th 2021   Verified Policyholder
In late January 2021 I was referred to a Doctor I meet her for 15 minutes she ordered some X-rays and blood work. In mid Feb I called to change my next appointment due to ... read more >
Reply
Sent on April 6th 2021 by Attorney Stephen Jessup

Eric, it sounds like there is more to the story than what Lincoln is telling you. Have you received the formal denial letter? If so, we can review the letter with you t... read more >

Lincoln Financial

Lincoln cancelled my benefits because my doctor's notes were handwritten

Reviewed by Maci P. on February 7th 2021   Verified Policyholder
I have been on a short term disability since June of 2020. I was paid additional benefits through Lincoln Financial after SDI paid me. In august of 2020, Lincoln Financial... read more >
Reply
Sent on February 7th 2021 by Attorney Rachel Alters

Maci, unfortunately this is common behavior for Lincoln. Please contact our office at 888-729-3355 and ask to speak to an attorney who can assist you with your STD appe... read more >

Lincoln Financial

Lincoln denied my disability claim even though Dr said I couldn't work

Reviewed by Richard F. on December 25th 2020   Verified Policyholder
My Doctor took me out of work starting October 12, 2020 due to GI illness. I am unable to work. Lincoln denied my disability claim.
Reply
Sent on December 25th 2020 by Attorney Stephen Jessup

Richard, have you filed an administrative appeal of the denial? Please feel free to contact our office to discuss your claim and denial in detail to determine how we ma... read more >

Lincoln Financial

Lincoln doesn't think renal failute and 4 dyalisis treatments per day are enough to be. Disabled

Reviewed by Brenda G. on September 21st 2020   Verified Policyholder
I was approved for SSI disability but my short term has exhausted. I have long term plus disability but not approved I have renal failure and do 4 dyalisis treatments a da... read more >
Reply
Sent on September 21st 2020 by Attorney Gregory Dell

Brenda, was your long term disability denied or is it just pending at this point? Please feel free to contact our office to discuss your claim in greater detail.

Lincoln Financial

They promised me min 10% of my salary and max 60%. I got 6%

Reviewed by Alvaro D. on May 7th 2020   Verified Policyholder
Lincoln financial insurance payed me around $60 a week, wich is about 6% of my salary, for my short term disability. I asked for documents showing how they came out with t... read more >
Reply
Sent on May 7th 2020 by Attorney Gregory Dell

Alvaro, we can gladly look into this issue for you. Please gather the disability policy and contact us for a free consultation. We will request a copy of the policy and... read more >

Answered Questions by Our Lawyers
(47)
Showing 8 of 47 Answered Questions

Q: If I return to work only part time and decide I can't continue, will Lincoln Financial base my income on when I worked part time or full time?

Answered on October 29th 2022 by Attorney Stephen Jessup
A: Kara, it would depend on the language in the policy. There is even a chance you could transition into long ter... Read More >

Q: Does Lincoln Financial apply offsets to all claimants equitably?

Answered on September 20th 2022 by Attorney Cesar Gavidia
A: Jerry, yes, Lincoln Financial may seek to recover an overpayment of benefits pursuant to the contractual langu... Read More >

Q: Does payback to Lincoln Financial, once approved for SSDI, include the first year?

Answered on August 25th 2022 by Attorney Jay Symonds
A: Bruce: Most group policies require payback for any month in which you received a full LTD benefit and then, su... Read More >

Q: Is LF's doctor, who never spoke with me or evaluated me, allowed to clear me for work?

Answered on August 14th 2022 by Attorney Alex Palamara
A: Barb, I am sorry to hear of the stress that LFG is putting you through. Thankfully, it sounds like the 3rd par... Read More >

Q: Can LF discontinue my mental health benefits after 24 months?

Answered on September 7th 2020 by Attorney Rachel Alters
A: Cindy, unfortunately most group polices only cover mental nervous conditions for 24 months. Read More >

Q: Can Lincoln Financial deny a total disability claim approved by a federal judge? Can I get a lump sum payout instead of fighting with them for the next 9 years?

Answered on July 9th 2020 by Attorney Alex Palamara
A: Sandra, I am sorry to hear of the issues that Lincoln is giving you. Unfortunately, while Lincoln has to take ... Read More >

Q: Do I have to tell Lincoln Financial that I was denied for SSDI?

Answered on June 8th 2020 by Attorney Cesar Gavidia
A: Thomas, you may have an obligation to inform them that you have been denied for SSDI. Please refer to your pol... Read More >

Q: What do I do if LF denied my claim because depression is "mild, not severe"?

Answered on May 7th 2020 by Attorney Rachel Alters
A: Anna, you will need to consult with your treating doctors and submit additional evidence of your medical condi... Read More >
Helpful Videos
(805)
Showing 12 of 805 Videos
Disability Benefit Tips
(329)
Showing 8 of 329 Benefit Tips

Has Lincoln Contacted You About Your Liberty Disability Claim?

Earlier this year Lincoln Financial and Liberty Mutual Insurance Group entered into an agreement in which Lincoln purchased Liberty Life Assur... Read More >

Is Lincoln Relying on MDGuidelines to Review Disability Appeals?

I have recently reviewed first level appeal denial letters from Lincoln in which Lincoln appears to be relying on information through the webs... Read More >

Lincoln Financial to Buy Liberty Life - Does This Affect My Disability Claim?

On January 19, 2018, Lincoln Financial Group announced that they are buying Liberty Life / Liberty Mutual’s Group Benefits business for $3.3... Read More >

What Can A Claimant Expect With A Lincoln Financial Group Disability Claim?

Lincoln Financial group is one of the larger disability insurance companies. In this video di... Read More >

Do You Know The Job Requirements To Be A Lincoln Financial Disability Claim Specialist?

As a disability lawyer that has handled thousands of disability insurance claims I often wonder about the qualifications and experience of the... 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 >
Dell Disability Cases
(359)
Showing 8 of 359 Dell Disability Cases

Lincoln Approves Long Term Disability Benefits After Four Year Fight

With financial protections afforded to disability insurance companies under ERISA that insulate them from extra contractual damages there is v... Read More >

Lincoln National LTD Denial for Pre-Existing Condition Reversed on Appeal

On December 8th of 2020, a new employee at ServerCentral, now known as Deft, a well-known IT ... Read More >

Lincoln overturned its previous denial of LTD benefits for Escalation Engineer

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 >

After Appeal, Lincoln Overturns Denial of LTD benefits for Trucking Supervisor

Our client, Mr. D, formerly worked as a Trucking Supervisor for a large steel distribution center. For many years Mr. D suffered from chronic ... Read More >

Dell Disability Lawyers Wins Short Term Disability Appeal Against Lincoln

Prior to contacting our office to assist her in fighting Lincoln to secure her short term disability benefits, our client, a Financial Control... Read More >

Lincoln National Life Insurance Company overturned previous denial of long term disability benefits for Wyoming Professor

Our client, Ms. D, formerly worked as a professor for at a college. In January 2016 a number of co-morbid physical conditions and ailments for... Read More >

Dell Disability Lawyers Administrative Appeal for Cafeteria Manager Forces Lincoln to Re-Approve Disability Claim

On August 26, 1988, our now client was hired by the Worth County School District. She worked as the School Nutrition Manager, essentially a Ca... Read More >
Disability Lawsuit Stories
(763)
Showing 8 of 763 Lawsuit Stories

Does Policy Language of Actively at Work Include Saturday, Sunday and Holidays?

In Harlan Ten Pas v. The Lincoln National Life Insurance Company, (Lincoln) Plaintiff, a tax attorney with the firm of McGladrey&nbs... Read More >

Court Holds Plaintiff's State Claims Preempted by ERISA and Dismissed Complaint

In Lowe v. Lincoln Nat'l Life Ins. Co., Plaintiff suffered a stroke in May 2016 while working for Diversicare Healthcare Services, Inc. Divers... Read More >

Lincoln Financial Beats to Their Own Drum With Long Term Disability Claims

In a recent claim denial our disability law firm is handling for a physician suffering with cervical myeolopathy, Lincoln Financial stated, "A... Read More >

WARNING: Lincoln Financial Disability Denial Requires Two ERISA Appeals before Filing Suit

You MUST file TWO appeals with Lincoln prior to filing suit!Most long term disability insurance companies only require one mandatory appea... Read More >

Lincoln National denies accidental death benefits after jet ski accident and Court agrees

Purchasing an insurance policy that pays benefits for an accidental death and dismemberment would seem like a wise decision since people suffe... Read More >

Kirk & Blum/CECO Environmental Employee Files Lawsuit Against Lincoln Financial Group For Wrongful Termination Of Long-Term Disability Benefits

An attorney has filed a Federal disability lawsuit in Ohio Federal Court against Lincoln Financial Group (Lincoln). The Plaintiff, George P., ... Read More >

Lincoln Financial Disability Denial: Determining a Date of Disability is Critical

Applying for disability insurance benefits is a complex process that requires a claimant to be familiar with all of the requirements in a ... Read More >

New Jersey BankUnited employee files suit against Lincoln National

Robert B. and his New Jersey disability lawyer go to battle against The Lincoln National Life Insurance Company to retrieve Robert B.'s entitl... 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.