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Attorneys for Monarch Life Disability Claims

Disability claimants are often seeking information about Monarch long term disability reviews. We have created this page where insurers can post reviews and comments about Monarch disability claims. Our attorneys respond to most comments posted by our visitors.

Monarch Life Insurance Company, domiciled in Massachusetts, was owned by Monarch Capital Corporation. Their main concentrations were in the variable life and disability income fields. Monarch Life has been in rehabilitation since June 1994. The company ceased writing new life and annuity business in 1992 and disability income business in 1993. At this time, they are still in receivership, under supervision by the Massachusetts Division of Insurance. Attorneys Dell & Schaefer has litigated several cases against Monarch in the past several years. Despite financial difficulties in the mid 90’s, Attorneys Dell & Schaefer is aware of multiple clients that are paid on a regular basis by Monarch. Most of the Monarch disability insurance claims we have handled have been for dentist and other medical professionals.

As disability insurance attorneys, Dell & Schaefer have represented numerous clients with their long-term disability claims against Monarch and its affiliated companies. Disability Attorneys Dell & Schaefer have provided and offer the following legal services for disability claimants that have a long-term disability insurance policy or disability income policy purchased from Monarch:

  • Application for long-term disability benefits with Monarch
  • Application for short-term disability benefits with Monarch
  • Monthly claim handling of Monarch long-term disability insurance claims
  • Appeal of a Monarch denial of long-term disability benefits
  • ERISA appeal of a Monarch denial of long-term disability benefits
  • Lawsuit against Monarch for denial of long-term disability benefits
  • Lump-sum buyout of a Monarch long-term disability insurance policy
  • Department of Insurance complaints against Monarch for wrongful delay and denial of long-term disability benefits
For assistance with your Monarch disability insurance claim, please fill out our contact us form or call Attorneys Dell & Schaefer for a free consultation at 800-682-8331.

There are 24 opinions so far. Add your comment or complaint below.


Good afternoon,

I started receiving Monarch disability insurance in the 90’s I was employed by the Commonwealth of Pennsylvania. I reside in Philadelphia. I have since retired in year 2010. I am still paying monthly s of 31.82 via my checking account. Since my retirement I have fallen down stairs and had two fracture in my left foot, also this year had thyroid surgery. My question is since I am still paying am I entitle to disability insurance? Can I get a payout amount for not being employed? I have tried to call, but I cannot get anyone via phone. Please help.

Attorney Stephen Jessup:


I am a little confused as to your relationship with Monarch. When you say you started receiving disability insurance in the 90s does that mean you started receiving monthly disability benefits due to a disability, or that you purchased the coverage from Monarch? If you’re your inquiry pertains to the latter the only way to know if you still have any coverage under the policy is to review the language contained therein. Without knowledge of the policy language there is very little direction we could give you. Please feel free to contact our office to discuss your claim further, and if you don’t have a copy of your policy I would suggest you request one.

Fred Fournier:

I’m an Airline Pilot and I purchased a pilot disability policy from Monarch in 90 or 91and have kept up with quarterly payments ever since. A month ago I severely cut my left thumb, which required surgery and have been on medical leave ever since and will be for maybe another month. How can I find about when I can begin collecting my benefits? Unfortunately I am unable to find my policy. Thank you in advance for your help.

Attorney Stephen Jessup:


Your best bet will be to contact Monarch and request a copy of the policy. Your ability to collect benefits will be determined in part by the Elimination Period (the defined waiting period before benefits are payable) contained in your policy. Most policies contain a 30, 60, 90 or sometime 180 day Elimination Period before benefits are payable. When you secure a copy of your policy please feel free to contact our office to discuss how we may be able to assist you in applying for benefits.

Daniel Hofmann:

I have been paying Monarch for disability insurance since 1986. I am a carpenter. My recent employment has been with the Municipality of Anchorage here in Alaska. I was a maintenance carpenter with the city. I got a back injury and was working light duty while receiving medical from the workers comp program.

While still on light duty I switched jobs within my union contract to “electrical meter reading”. The job paid well and was much better for my back and my recovery. The City fired me after just 4 days as a meter reader without cause and that dismissal is going to be arbitrated within my union contract [pending]. Meanwhile the spine doctor I saw under workers comp tested me and concluded I should no longer do “heavy” work, or as I see it carpentry.

I am unemployed now, but fighting the wrongful dismissal. Original injury was Sept. 18, spine doctors evaluation was Nov. 3. I have a 60 day wait on the policy. Does this qualify as a disability claim w/ Monarch? Not sure since I don’t have a job right now.

Attorney Stephen Jessup:


If your policy is in effect then your injuries could very well entitle you to benefits. Please feel free to contact our office to review your policy and discuss how we may be able to assist you.


I have been receiving long term benefits from Monarch since 1986 they had me examined on three different occasions; I was originally deemed totally disabled then the last exam residually. Most notably I have never exceed the earned income that would require me to reduce my monthly disability payment and my residual disability benefit period is due to expire on my 65th birthday. Since I have never made enough to amount to even 20% of my pre-disability monthly income shouldn’t I be considered to be totally disabled as the occupation may be reasonable but the income certainly is not? If I’m deemed totally disabled my benefits are for my lifetime. Thank you for your time.

Attorney Stephen Jessup:


For lifetime benefit riders you typically have to be deemed totally disabled as defined by the applicable plan provisions. We would need to see your policy in order to determine whether you have any rights to continued benefits beyond age 65 under any life time benefit rider. Please feel free to contact our office to discuss.


I have a disability policy with Monarch Ins and pay a monthly fee….. started in the early 80’s.
Are they still in business and if so where do i file a claim?
I can’t seem to find anything on the internet. I have a policy number, i think, attached to the monthly withdrawals from my bank. I am now disabled and need to start a claim.

Attorney Stephen Jessup:


Yes, Monarch is still in business. The mailing address for claims is Monarch Insurance Company, 330 Whitney Ave, Suite 500, Holyoke, MA 01040. Toll free is 800-227-2028. Please feel free to contact our of office to review and discuss your policy with you.


They try to figure every way possible not to pay me the $3000 partial disability as a chiropractor based on my pre injury earnings- WHAT IS CONSIDERED EARNINGS? This past month I was denied because my family health insurance comes out of my corporation of $6000 for the quarter. Well that put me over the 5000 cap to receive disability- I think that this is all BS- I have today requested their definition of earnings as this is not listed any where in my policy- they have based my pre disability income at 7500 which seems low based on all that they are including for earnings now- so the fact that I cannot make over 5000 per month which includes health insurance and loan repayments from my corporation to me as I had to borrow money from myself to keep my office open. So far they paid one month in full and another at 50% all these insurance carriers care about is the premium- My actual take home salary for the month was 2000- If I were to close the office and go on full disability it would only cover me for 2 years so I cannot afford to shut down just slow down and still NO PAY FROM THEM – CROOKS!

Attorney Stephen Jessup:

Dr ASG, please feel free to contact our office. We will be more than willing to review your policy and the correspondence from Monarch to determine what your rights are under the policy.


Hi, I’m a physician, I purchased long term own occupation disability (with a 3 month elimination period) as a private individual in the 1990’s and have kept up my monthly payments. Now at 63, I am not certain whether I should continue paying this premium. The insurance payments would stop at age 65.

Of course at my age, disability insurance would likely not be accessible. My question is – is it worth paying the premium any further?

Attorney Stephen Jessup:

Allan, unfortunately, that is really only a question you can answer. If you do not have medical conditions that could foreseeably disable you before age 65 then it might not make sense. But that is not to say that something couldn’t happen between now and then. Additionally, if you work past the age of 65, many policies allow you to maintain coverage up to age 70- so that is also something to consider.


I am a physician who purchased two policies in 1991 and 1993. I have been paying nearly $13,000 per year in premiums since that time. I have developed a tremor which is preventing me from continuing my career as a neurosurgeon and am now puzzled by what I’m reading on the internet about Monarch. I am 59 1/2 and was thinking that I would get payments until age 65 – although the fine print says that if the disability occurs before age 60 that the payments would continue for life. Thoughts?

Attorney Stephen Jessup:

Gregg, a large percentage of older policies do contain language that indicate if you are totally disabled before the age of 60 your benefit will be for your lifetime. Please feel free to contact our office with copies of your policies and we would be more than willing to review same and discuss your options.

Karen S.:

Is your firm seeing multiple problems with Monarch Insurance Company in regard to paying partial/full disability? I filed a claim with them in 2011 for a partial disability. I still have all the correspondence from them and the documents I sent for proof of partial disability. I argued and went round and round with them until I just finally gave up. I finally quit making the premium payments since it seemed I was fighting a loosing battle. Are you seeing class action suits against them for non payment? I was not asking for full disability or for permanent disability. I had two doctors from Mayo clinic and also a letter from my chiropractor which stated they all felt I had been rendered partially disabled from Polymyalgia Rhumatica. I am a dentist and had paid premiums since 1986. What a disappointment after paying approximately $78,000.00 in premiums.

Attorney Stephen Jessup:

Karen, no, we have not seen any atypical issue with Monarch and nonpayment of claims. Each case is very fact specific, especially with private individual disability policies. Depending on the state the policy was issued the statute of limitations to file a lawsuit may have already passed. If you would like to discuss what legal remedies may be available to you under the policy please feel free to contact our office to discuss.

Karen S.:

I have been insured with Monarch Disability since 1980’s when I was employed as a nurse at a Major medical Center in NY. I am now retired, age 59. Does it make since to contiue with this type of insurance now that I am not employed?

Attorney Stephen Jessup:

Karen, if your retirement wasn’t related to a medical issue then there may be little value in continuing to pay the premiums. However, if it was there may be a way to try to back date a claim for benefits. Please feel free to contact our office to discuss in greater detail to determine what your options may be.

Lew B.:

I would first like to thank you and your firm for taking the time to answer these questions. It is a truly valuable service that you are providing. I have a Monarch Policy which is own occ. with a 60 day elimination period which I took out as a young Chiropractor in 1986. I practiced for 30 years and retired 3 years ago at age 55. I currently work an hour or two a week teaching a spin class at a local gym which is more for fun although I am on the books and do get paid. Fortunately I am healthy and have thus far not needed to apply for benefits under the policy although I realize that could change. There is a clause in the policy Under total Disability Defined which reads…”If you are retired and not working when total disability starts your regular occupation will be the normal activities of a retired person of like age and sex” also in the definition it further states…”After your 55th birthday you must also meet this condition: You are not working in any reasonable occupation. A reasonable occupation is any gainful work you can do based on your education, training or experience and with due regard to your earnings before total disability starts.”

My question is… If I were to become disabled now where would I fit under this policy? Would I be considered an over 55 retired Chiropractor or a part time spin instructor and if so would the paltry $ 50.00 or so I make per week affect my benefit based on their definition? Lastly should I keep the policy for which I pay $71.43 a month. Thank you again.

Attorney Jay Symonds:

Lew B, we are happy we can provide assistance as we know this can be a very difficult and stressful process under the best of circumstances. Whether you keep the policy is really a question you need to answer. As with all insurance it’s really a cost/benefit analysis specific to your needs. Based on the information you provide I would say it is most likely you’d be considered a 55 year old retired chiropractor. The operative language would be that it be a “reasonable gainful occupation.” The leap from a Chiropractor practicing for 30 years to part-time Spin Instructor would not, in my opinion, be a reasonable gainful occupation. That said, unfortunately there are never any guarantees with disability claims.

Brandon M.:

Two related questions about disability policy: Approaching 65 this year. Benefits are payable to 65, but no less than 24 months. Does that mean I would receive a maximum of 24 months of benefits even past the age of 65? Second – if there was a disability, would the benefits be reduced by any Social Security Disability benefits received?

Thank you.

Attorney Cesar Gavidia:

Brandon, yes, you should receive the minimum of 24 months of benefits even if that means you receive benefits beyond age 65. If your disability plan provides that you LTD benefit can be offset by SSDI benefits, then yes, your benefits will be reduced by any award of SSDI benefits.

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