How We Help To Appeal Your Mutual of Omaha Disability Denial

Let’s discuss how you can win your Mutual of Omaha Disability Appeal. Mutual of Omaha 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 Mutual of Omaha appeal and it must be drafted strategically in order to win your disability benefits. Our disability insurance lawyers have reviewed thousands of Mutual of Omaha 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 Mutual of Omaha disability denial and we know exactly what is required in order to give you the best chance to win your Mutual of Omaha disability benefit appeal.

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Our Lawyers Respond Today

Why Is It Important to Prepare a Strong Mutual of Omaha Appeal? 

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

  • What is your first step to appealing a Mutual of Omaha denial?
  • What evidence did Mutual of Omaha rely upon to deny your disability claim?
  • Should you submit additional medical evidence for your Mutual of Omaha appeal?
  • How does Mutual of Omaha determine the duties of a job?
  • Why is it important for you to submit a strong appeal package to Mutual of Omaha?
  • Does Mutual of Omaha require objective medical evidence to win benefits?
  • Who is responsible at Mutual of Omaha for reviewing your disability appeal?
  • Can Mutual of Omaha rely exclusively only on the medical opinions of their hired doctors? 
  • How can we help prepare a strong appeal package to Mutual of Omaha?

How Can You Win Your Mutual of Omaha Disability Appeal?

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

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

Why is Mutual of Omaha Required To Send You All Information Used To Deny Your Disability Claim?

ERISA regulations require Mutual of Omaha 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 Mutual of Omaha. Upon receipt, your Mutual of Omaha 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 Mutual of Omaha 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 Mutual of Omaha appeal and it must be drafted strategically.


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

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

Mutual of Omaha usually relies on their own employed doctors or nurses to deny your disability claim. Regardless of what your doctors may have concluded, Mutual of Omaha will almost always favor the opinions of their own doctors over yours.  The way to overcome this inherent bias is to present strong medical evidence in support of disability that no reasonable person could disagree with. 

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


Obtaining strong written support from all of your treating doctors is usually the most challenging aspect of preparing a Mutual of Omaha 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 Mutual of Omaha’s doctors (or hired doctors) written opinions. The attending physician statements created by Mutual of Omaha and previously completed by your treating doctors are generic and intentionally designed by Mutual of Omaha 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 Mutual of Omaha Long Term disability policy definition of disability and your specific medical condition(s). With every type of medical condition we know the exact information Mutual of Omaha 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.

Mutual of Omaha Appeal Success Story

Our client was a Medical Device Manager who became unable to work due to a significant shoulder injury. Mutual of Omaha, however, denied his claim based on an internal medical review, and was forced to appeal. As explained in the video below, Attorney Gregory Dell and Cesar Gavidia discuss how we assisted our client to achieve an approval of benefits by Mutual of Omaha.

Why Must Your Appeal Contain Strong Occupational Evidence?

In most Mutual of Omaha disability denials, Mutual of Omaha will argue that if you can sit in a chair for 6 hours a day then you should be able to work. This is obviously a ridiculous conclusion , but you must submit occupational evidence that any job requires more than just an ability to sit. Mutual of Omaha’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 Mutual of Omaha 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 Mutual of Omaha disability policy. In most Mutual of Omaha 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 Mutual of Omaha 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 Mutual of Omaha Determine The Duties of an Occupation?

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

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

In many denial letters, Mutual of Omaha 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.

Mutual of Omaha Appeal Success Story

We assisted a claimant who worked as a Building Manager, diagnosed with back pain and back disorders resolve his appeal. Mutual of Omaha denied his disability claim, asserting that he could perform his own occupation. In our video below, attorneys Gregory Dell and Stephen Jessup explain how after preparing an appeal Mutual of Omaha reversed their decision to deny his disability claim.

How Courts Review Mutual of Omaha Disability Appeals

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

What Does A Reasonable Review Mean Under ERISA For A Mutual of Omaha Appeal?

The “reasonable review” language is key because if your appeal is denied by Mutual of Omaha and an ERISA lawsuit is filed, a judge must review the denial and apply an unfair legal standard called “abuse of discretion”. The abuse of discretion standard requires a judge to first determine if you are disabled. If the Judge concludes you are disabled, then the Judge can only reverse the benefit denial if he or she thinks the review conducted by Mutual of Omaha was unreasonable. So a Judge can find that you are disabled, but Mutual of Omaha’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 Mutual of Omaha may seem, we have recovered disability insurance benefits for our Mutual of Omaha clients in more than 95% of the Mutual of Omaha disability cases our law firm has accepted.


Why Drafting A Strategic Mutual of Omaha Disability Appeal Is Crucial 

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

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

Let’s Discuss Your Mutual of Omaha 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 Mutual of Omaha. Don’t let Mutual of Omaha 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 Mutual of Omaha 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 Mutual of Omaha Appeal Package

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

Learn more

Sue Mutual of Omaha

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

Learn more

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

Learn more

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

Learn more

Negotiate a Mutual of Omaha Lump-Sum Settlement

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

Learn more

Mutual of Omaha Reviews
(15)

Policy Holder Rating

1.7 out of 5
Read 15 reviews
0%would recommend
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66%
1
33%
Timely Payments
2.4out of 5
Handling Claim
1.9out of 5
Customer Service
1.8out of 5
Dependable
1.8out of 5
Value
2.1out of 5
Showing 8 of 15 Reviews
Mutual of Omaha

I do not understand how a “medical review team” who has never laid eyes on my wife can say she is able to return to work when her doctors who see her on a regular basis have documented that she can't

Reviewed by Dwight on November 14th 2017   Verified Policyholder
My wife fell three years ago and broke her back. She has been found permanently disabled and receives Social Security Disability Benefits. She has also been receiving Bene... read more >
Reply
Sent on November 14th 2017 by Attorney Stephen Jessup

Dwight, please feel free to contact our office to discuss the denial of your wife’s claim. It is unfortunately all too common that an insurance company denies benefit... read more >

Mutual of Omaha

THEY SCAMMED ME AND DID NOT CARE

Reviewed by Debbie on January 31st 2017   Verified Policyholder
We have had life insurance with Mutual of Omaha since 1998 with a chronic illness rider that we decided to use in 2016. Our policy was for 500k, they approved us for 66,95... read more >
Mutual of Omaha

This company is awful

Reviewed by Mike on December 17th 2015   Verified Policyholder
I think there should be laws put in to place to cover the average Joe. This company is awful. They say so much they don’t even know what lies they have told. My husband ... read more >
Mutual of Omaha

I would encourage anyone who has problems with Mutual of Omaha or United of Omaha to immediately contact an attorney.

Reviewed by Robbie Winder on July 24th 2015   Verified Policyholder
I would encourage anyone who has problems with Mutual of Omaha or United of Omaha to immediately contact an attorney. I want to talk about a specific situation in which I ... read more >
Mutual of Omaha

MOO attempted to strong arms me with collection tactics. Now, they're stalling

Reviewed by Jeff on February 11th 2015   Verified Policyholder
I was disabled in 2009 with a multitude of medical problems. I started a process with Mutual Of Omaha Disability. After months of jumping through hoops they finally decide... read more >
Mutual of Omaha

MOO stopped my husband's benefits before telling him. They handled his claim terribly

Reviewed by Jerry on January 30th 2015   Verified Policyholder
My husband has been on claim for disability insurance since July, 2008. He was found to be able to do sedentary work but had no transferrable skills in 8/2009 and benefits... read more >
Reply
Sent on January 30th 2015 by Attorney Gregory Dell

Jerry, you and your husband are certainly not alone in your dealings with Mutual of Omaha. Please feel free to contact our office to discuss how we may be able to assi... read more >

Mutual of Omaha

This company is very corrupt, Be aware

Reviewed by M. Girmes on January 28th 2014   Verified Policyholder
Please hesitate & educate yourself when deciding on short term or long term disability insurance via Mutual Of Omaha. The company is very corrupt. They speak to you like y... read more >
Mutual of Omaha

Mutual of Omaha is a rip off.

Reviewed by Genita Hill on November 13th 2013   Verified Policyholder
Mutual of Omaha is a rip off. When my husband died in 2011, they refused to pay his death benefit because they said he was disabled when I insured him. He retired from his... read more >
Answered Questions by Our Lawyers
(18)
Showing 8 of 18 Answered Questions

Q: Can I ask for another appeal?

Answered on July 13th 2020 by Attorney Alex Palamara
A: Giovanna, you should consult with the attorney(s) that represented you in your appeal to the Third District Co... Read More >

Q: I'm in jeopardy of losing everything because of MOO. Can you help?

Answered on March 3rd 2020 by Attorney Alex Palamara
A: Amy, first and foremost, I am sorry to hear of MOO’s delay tactics and the fact that they sound like they mi... Read More >

Q: Can MOO deny my claim on the basis of preexisting condition when my condition is not preexisting?

Answered on October 27th 2018 by Attorney Gregory Dell
A: Doomed, if your claim has been denied then Mutual of Omaha will give you the right to appeal. Pre-existing con... Read More >

Q: What is my "regular occupation" if I started my own business after resigning from my old job?

Answered on September 1st 2018 by Attorney Gregory Dell
A: Rachel, the answer depends on when you became disabled. If you became injured after resigning from your accoun... Read More >

Q: Am I able to work part time at a different job that is nothing like the one I was at when I was injured?

Answered on June 5th 2018 by Attorney Gregory Dell
A: Russell, whether you can work part time in a different occupation depends on the specific language of the Grou... Read More >

Q: Can I get a lump sum check from MOO?

Answered on May 10th 2017 by Attorney Stephen Jessup
A: Pam, Mutual of Omaha may be willing to negotiate a lump sum buyout of the remaining time on your policy, but t... Read More >

Q: Should I be able to restrict the release of medical records to under 24 months period?

Answered on March 20th 2017 by Attorney Jay Symonds
A: Connie, although you could attempt to limit the medical records to be released to Mutual of Omaha, the likely ... Read More >

Q: Should I write an appeal letter? What should it include?

Answered on March 3rd 2017 by Attorney Jay Symonds
A: Cam, if you are still within your 180 timeline to file an appeal it is imperative that you go through the appe... Read More >
Helpful Videos
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Showing 12 of 861 Videos
Disability Benefit Tips
(329)
Showing 8 of 329 Benefit Tips

What is a "Gainful Occupation" under a Disability Insurance Policy?

The overwhelming majority of employer provided group long term disability insurance policies governed by ERISA contain two definitions of disa... Read More >

Can my insurance carrier deny my benefits even if there is no change in my medical condition?

Insurance companies frequently terminate long term disability benefits after paying a claim for several years, even when the claimant's condit... Read More >

Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company

When you're seeking disability benefits under a long term disability policy, your medical rec... Read More >

Disability Benefit Denial Reason #3 - Video & Social Media Surveillance

One thing many long term disability claimants don't know about (or expect) from the claims re... Read More >

How Do You Fight a Long-Term Disability Denial?

Getting a denial letter from your disability insurance company is one of the ultimate insults... Read More >

Disability Denial Reason #2 - Change of Disability Definition & Vocational Review

One of the top reasons for terminating a claimant's long term disability benefits involves th... Read More >

Disability Denial Reason #1 – Paper Review & IME

At Dell Disability Lawyers, we've seen insurance companies give countless reasons to deny lon... Read More >

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 >
Dell Disability Cases
(369)
Showing 8 of 369 Dell Disability Cases

After appeal filed by Attorney Jay Symonds, Mutual of Omaha overturned previous denial of short term disability benefits for Maine Senior Software Engineer

Our client, Mr. C, formerly worked as a Senior Software Engineer for a large computer technology company. In April 2016 a number of medical is... Read More >

United of Omaha overturns decision to deny benefits to disabled Quality Assurance Manager after Appeal discredits its medical review and vocational assessment

In 2016, Cathy, a Quality Assurance Manager for a medical device company, sought surgery for a tear in her right rotator cuff. Cathy fully exp... Read More >

After appeal filed by Attorney Jay Symonds, Mutual of Omaha overturned its previous denial of short term disability benefits for Colorado Senior Manager

Our client, Ms. J, formerly worked as a Senior Manager of a treatment facility. In October 2016 a number of medical issues, including fibromya... Read More >

Mutual of Omaha Reinstates Benefits of Business Development Manager after Appealing the Termination of Her LTD Benefits

Our Client, a successful Business Development Manager began experiencing severe physical limitations resulting from fibromyalgia, low back pai... Read More >

Dell Disability Lawyers Successfully Appeals Denial of Benefits to Quality Control Inspector

Pre-disabilityBefore going on disability, Mr. M was working as a quality control inspector for Tam International. In 2009, after years of ... Read More >

Mutual of Omaha Approves Dell Disability Lawyers Client for Short Term Disability Benefits After Administrative Appeal

Our client previously worked as a Senior Accountant/Office Manager for Maccaferri, Inc. Due to her employment at Maccaferri, she was covered u... Read More >

Mutual Of Omaha Overturns Denial of Short Term Disability Benefits for Software Developer With Chronic Back Pain

Regardless of how hard a person attempts to continue working with a disability, it is an effort that gets taken advantage of by the disability... Read More >
Disability Lawsuit Stories
(764)
Showing 8 of 764 Lawsuit Stories

Mutual of Omaha Disability Denial Upheld by Appellate Court

In Giovanna Reichard v. United of Omaha Life Insurance Company (Mutual of Omaha or Omaha), Plaintiff, a nurse employed by ... Read More >

Court Rules Against United of Omaha's Determination of Disability Date

The case of Greggory B. Owens v. United of Omaha Life Insurance Company demonstrates what a difference a day makes. All parties agreed that cl... Read More >

United of Omaha criticized for relying on in-house medical review and failing to obtain independent examinations

This case was decided by a district court in Illinois and involved United of Omaha Life Insurance Company. An ERISA action was filed by the Pl... Read More >

California Court Rules Disability Claim Accrues When Disability Terminates

In Gray v. United of Omaha Life Insurance Co. (United), after working for a southern California television station for 15 years and rising to ... Read More >

Court overturns United of Omaha's termination of Plaintiff's benefits after performing an unfair "any occupation" review

In the case of Mokbel-Alijahmi v. United of Omaha Life Ins. Co., the 6th Circuit Court of Appeals affirmed the lower court's determination tha... Read More >

Registered Nurse Disabled By Plantar Fascitis Wins Long-term Disability Lawsuit Against United of Omaha After Judge Finds Evidence of "Cherry Picking"

From 2002 until 2010, Julia Sun worked as a Registered Nurse caring for quadriplegic patients. Her occupation could not be considered, as far ... Read More >

Court Orders United of Omaha to Pay Death Benefit, Attorney's Fees and Prejudgment Interest

In Brown v. United of Omaha Life Insurance, United unsuccessfully tried to avoid paying a death benefit to Lloyd Brown III, the beneficiary of... Read More >

Washington Court Finds Omaha Wrongfully Relied on Video Surveillance to Deny Disability Benefits

The court discounted the video surveillance, finding "The video surveillance footage was of marginal, if any, relevance." The court continued,... 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.