Collecting Lupus Disability Benefits Is A Reality

Most disability insurance companies will challenge a lupus claim for either short or long term disability benefits on the basis that there is no objective evidence to support the restrictions and limitations associated with the disease. In order to combat this argument, it is important for individuals with lupus to appropriately document their daily struggles. Treating with a doctor that truly understands Lupus is essential to recovering benefits. Our disability insurance attorneys recommend individuals maintain a pain and functional limitation diary, as well as consulting with a supportive treating physician who is skilled at appropriately documenting the condition. Our lawyers will provide you and your treating doctor(s) with the information necessary to prove your claim. It is our job to put you in the best position to collect benefits if you are unable to work.

Each person with lupus suffers differently. Since it is an autoimmune disorder, it is suggested that disability claimants avoid any environment that may expose them to infectious people. As a result, individuals with lupus who attempt to continue employment could potentially relapse and be unable to work in any sheltered job environment with reasonable continuity. Our firm helps individuals who have been wrongfully denied their lupus disability claim or need assistance filling out an initial disability application. We handle ERISA appeals, lawsuits and applications for benefits. Let’s discuss how we can assist you.

How the Symptoms of Lupus Can Cause Your Disability

Signs and symptoms associated with the four recognized types of lupus may come on suddenly or develop slowly, be mild or severe and temporary or permanent. Additionally, the signs and symptoms of lupus that an individual experiences will depend on which body systems are being affected by the disease.

Common lupus signs and symptoms may include:

  • Fatigue
  • Fever
  • Weight loss or gain
  • “Butterfly-shaped” flushing or rash on the face that effects the cheeks and bridge of the nose
  • Skin lesions that negatively respond to sun exposure
  • Mouth sores
  • Hair loss
  • Raynaud’s phenomenon
  • Shortness of breath
  • Chest pain
  • Dry eyes
  • Easily bruised
  • Anxiety
  • Depression
  • Memory loss

There are several treatment options that can help individuals with lupus when the signs and symptoms are moderate or mild. When dealing with the fluctuating nature of a disease like lupus, individuals may find it more beneficial to seek the disability benefits they deserve. In a free consultation, our firm can explain your rights and provide answers regarding your eligibility for lupus disability benefits.

Our Experience with Lupus Disability Claims

If you need to apply for lupus disability, we want to assist. Our firm has helped other individuals with lupus secure beneficial results for their disability claim.

Teacher Suffering from Sjorgen’s Syndrome, Fibromyalgia and Other Conditions Receives Lump-Sum Buyout Following Denial of Long-Term Disability Benefits

From gathering the proper documentation and important testimonies to litigating a denied claim in state or federal court, contact our disability insurance lawyers about your legal options.

Resources

You can learn more and access many valuable sources about lupus on the following sites:

Numerous charities are also dedicated to supporting individuals with lupus by spreading awareness and funding beneficial research projects:

The information on the site is updated with any information regarding changes and new lupus disability laws that could possibly affect you. Continue to return to our site for updates.

Resources to Help You Win Disability Benefits

Disability Benefit Denial Options
Submit a Strong Appeal Package

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

Learn more

Sue Your Disability Insurance Company

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

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

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

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Negotiate a Lump-Sum Settlement

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

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Disability Company Reviews
(617)
Showing 8 of 617 Reviews
Prudential

Prudential terminated my LTD, so now I have no income

Reviewed by Carlos M on June 10th 2022   Verified Policyholder
I was working at a shipyard at San Diego and hurt my back again while working. Hurt my back in the US Navy in 98 and had issues since then so I decided to get the surgery ... read more >
Reply
Sent on June 11th 2022 by Attorney Rachel Alters

Carlos, yes we may be able to help. Please email your denial letter to Rachel@diattorney.com and cc Amanda@diattorney.com. Thank you.

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 >

MetLife

They demanded an overpayment, stopped my claim, and lied about it

Reviewed by Diana R. on May 28th 2022   Verified Policyholder
Metlife over paid me. Stopped my Ltd claim. The overpayment were not done right. They lied and said they deposited money in my account.
Reply
Sent on May 28th 2022 by Attorney Alex Palamara

Diana, I am sorry to hear of this denial and the demand for an overpayment. Please contact us so that we can review your claim and see if we can get you back to receivi... read more >

Sun Life

Sun Life is a real pain

Reviewed by Chris K. on May 20th 2022   Verified Policyholder
Sun Life is a real pain. I just want them to buyout my long term disability policy, but they keep playing around and around. I just to be left alone and given my lump sum ... read more >
Reply
Sent on May 20th 2022 by Attorney Rachel Alters

Chris, you can contact me at Rachel@diattorney.com and we can set up a call to discuss your buy out options.

Unum

I feel like Unum is giving me the runaround!

Reviewed by Rachelle H. on May 11th 2022   Verified Policyholder
I have contacted UNUM multiple times since I’ve needed them. I feel like they are giving me the runaround! Please help!
Reply
Sent on May 11th 2022 by Attorney Stephen Jessup

Rachelle, the law provides certain timelines and deadlines with which to provide information or decisions. Please feel free to contact our office to discuss your situat... 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 >

MetLife

I feel that I was robbed

Reviewed by Cashena J. on August 15th 2018   Verified Policyholder
Waiting on disability, I filed a claim with met through One Main financial with MetLife. They told me when I first told them I had Lupus that I would be fine with the disa... read more >
Reply
Sent on August 15th 2018 by Attorney Jay Symonds

Cashena, pre-existing condition claims are not always as simple and clear cut as the carrier tries to make them seem. There can be many factors that remove the claim ou... read more >

Cigna

This has been a very long and hard road

Reviewed by Jawanna S. on September 23rd 2015   Verified Policyholder
I worked for 13 years as a Registered Nurse, since 1999. I worked in many fields, but the last 7 years I worked on an ICU cardiac care unit. I actually became ill in 2001 ... read more >
Reply
Sent on September 23rd 2015 by Attorney Stephen Jessup

Jawanna, please feel free to contact our office to discuss how we can potentially assist you in appealing both of your claims.

Answered Questions by Our Lawyers
(1)
Showing 1 of 1 Answered Questions

Q: Can Unum offset my benefits if I receive SSD?

Answered on May 4th 2014 by Attorney Jay Symonds
A: Jeff, Unfortunately, yes. Unum policies typically contain language that your benefit will be offset by the rec... Read More >
Helpful Videos
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Showing 12 of 729 Videos
Disability Benefit Tips
(324)
Showing 8 of 324 Benefit Tips

How to Apply for Reliance Standard Disability Benefits & Top 5 Reasons for a Claim Denial

At Dell & Schaefer we’ve handled hundreds of long term disability insurance claims against Reliance Standard, and have learned a few thi... Read More >

Applying for Standard Disability Benefits? Top 5 Claim Denial Reasons

At Dell & Schaefer, we've helped hundreds of clients recover long term disability benefit... Read More >

Guardian Disability Benefit Claim Handling Tips

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

Application Tips: Northwestern Mutual Disability Benefits - Top Denial Reasons

Every disability insurance policy is different, and whether your disability insurance claim i... Read More >

Is UNUM a Good Insurance Company?

One common question the attorneys here at Dell & Schaefer receive comes from policyholder... Read More >

Don’t Ignore Disability Insurance. Here’s What to Buy.

Disability insurance is one of the most important insurance products, yet the vast majority of people working don’t have it. 35% of employer... Read More >

How To Get Long Term Disability Benefits Approved Due To Neck Pain

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What is disability insurance? What type of disability income policy should you buy?

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Dell Disability Cases
(349)
Showing 8 of 349 Dell Disability Cases

Cigna again reinstates claim of Archdiocese of Baltimore Registered Nurse thanks to Appeal by Dell Disability Lawyers

A Registered Nurse was initially forced to stop working in 2013 due to various conditions, including: enthesopathy in the hip region, lumbago,... Read More >

Dell Disability Lawyers ERISA Administrative Appeal Proves to MetLife that Client is Still Disabled and Claim Not Subject to Certain Policy Limitations

Dell Disability Lawyers is happy to report that a client of ours is back on claim and receiving Long Term Disability (LTD) Benefits once again... Read More >

Dell Disability Lawyers successfully appeals denial of benefits to maintenance technician

Pre-disabilityBefore going on disability, our client, Mr. C, was working as a Maintenance Technician for a residential community. His job ... Read More >

Cigna Overturns Decision to Deny Short Term Disability Benefits to Independent Living Coordinator Suffering from Chronic Pain, Lupus, Fibromyalgia and Connective Tissue Disorder

Prior to contacting Dell Disability Lawyers our client had already endured a long, frustrating battle with Cigna. At the age of 63 she had exp... 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 >

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 >

JP Morgan Chase Financial Advisor With Cancer Wins Prudential Long Term Disability Appeal

Our client was a 58 year old private client advisor for JP Morgan Chase Bank. He wa... Read More >
Disability Lawsuit Stories
(764)
Showing 8 of 764 Lawsuit Stories

Cigna's Termination of Disability Benefits was Arbitrary and Capricious

The case of Lani Kyle Moar v. Cigna Corporation, et al., demonstrates the lengths insurance companies will go to avoid paying long term disabi... Read More >

California Court Overturns Prudential Denial of Disability Benefits

In the case of Gallegos v. Prudential, a California Federal District in the Northern District of California entered an order instructing Prude... Read More >

Unum Denies Disability Benefits to 53 Year Old Woman After Paying for 16 years

Unum is obviously scraping the bottom of the barrel and making attempts to reduce the number of claimants that are currently receiving long te... Read More >

Federal Court Orders Aetna to Pay Long Term Disability Benefits to Their Own Employee

A Georgia Federal Court recently concluded that Aetna abused its discretion in denying long term disability benefits to an Aetna employee who ... Read More >

California Federal Court Finds That MetLife Abused Its Discretion And Awards Financial Analyst Long-Term Disability Benefits

Shelia W. and her California disability lawyer prevailed in a lawsuit against MetLife when the United States District Court of the Southern Di... Read More >

Shaw Industries Group employee suffering with fibromyalgia and lupus sues Unum Life Insurance Company for denial of disability benefits

In Chrilon Daniels Vs Unum Life Insurance Company of America the plaintiff filed a disability lawsuit under the Employment Retirement Income a... Read More >

Law office bookkeeper with lupus and fibromyalgia denied disability benefits by Unum in Indiana

Recently one disabled employee of Scopelitis Garvin Light Hanson & Feary PC filed a lawsuit against the Unum Life Insurance Company of Ame... 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.