Collecting Neck Pain Disability Benefits Is A Reality

Disability claims which are the result of neck pain, also known as a cervical disorder are one of the most common causes of disability insurance claims. At least 20% of the claimants we represent are unable to work as result of a neck disorder. It is not usually the limited range of motion that prevents a person from working; rather it is the intermittent pain which prevents a person from being able to focus on their job. In order to have the best chance of collecting disability benefits it is imperative to be able to prove how your neck condition prevents you from working. Our disability lawyers know exactly what the disability insurance companies are trained to look for in order to approve a neck disability claim. We work with your treating doctor(s) and you to obtain the best medical documentation possible of your medical condition. If you are not treating with the appropriate physicians, then we will make doctor recommendations so that you can obtain the required proof to get your claim approved. Don’t assume that a letter from your doctor saying you are disabled is sufficient, because it is not. Disability insurance claim representatives are trained to look for reasons to deny claims. Call us for a free consultation to discuss how we can assist you with your short or long term disability claim. At any stage of your disability claim we are available to assist you.

Objective Evidence of A Neck Pain Disability Claim is Very Important

Insurance companies often turn people down because neck problems are common, especially as we grow older. Disability companies will often argue that there is no objective evidence to support restrictions and limitations caused by neck pain. Examples of objective evidence of a neck disorder could be an X-ray, MRI, CT-Scan, EMG, nerve conduction study, discogram or injections performed under fluoroscopy. Objective testing in all neck disability claims is essential. Positive finding are not required to collect, but a disability claim is much more challenging if the objective testing does not have any abnormalities. There are a high percentage of claimants that have normal objective testing but still have debilitating pain. Some long term disability policies require positive findings of radiculopathy or myelopathy in order to receive benefits for longer than 24 months. Our lawyers have handled thousands of neck disorder claims and have an in-depth understanding of all disorders of the cervical spine. It is important to treat with a doctor that knows how to administer the proper diagnostic testing.

Disability Insurance Company Tactics Used to Deny Neck Disability Claims

Most insurance companies hire in-house physicians to review your medical records and make a decision about your ability to work, even though they may never meet claimants or physically examine them. They will also obtain video surveillance of you and have it reviewed by their hired gun physician. Your best defense against this tactic is routine examinations from your treating physician(s) and obtaining the proper diagnostic testing. It is essential to have a treating physician who properly documents all of your complaints, restrictions and limitations. Appeals courts will often rule against insurance companies when they ignore statements from treating physicians. We recommend that people with neck disability claims treat with an orthopedist, neurologist or a pain management doctor, also known as a physiatrist. In some cases we will recommend that our clients undergo a functional capacity exam (FCE). FCE can be useful in the correct types of cases. We also recommend the use of a daily pain journal. Record all the information you have, including dates, symptoms, treatments, medical visits and time taken off work. This could all be important later.

Watch our video or read about how to prove your neck pain is disabling.

Our Experience with Neck and Cervical Spine Disabilities

Some of our successfully resolved cases about cervical spine and neck pain include:

$79,000 in long term disability insurance benefits is recovered for disabled teacher

Berkshire approves total disability benefits for litigation attorney following surgery to remove a cancerous tumor and multi-level fusion of cervical spine

Attorneys Dell & Schaefer win long-term disability trial against Prudential Insurance Company Of America on behalf of time-share salesperson suffering from cervical disc disease

Lincoln Financial approves long-term disability benefits for financial advisor injured in car accident

Contact our disability insurance lawyers today to find out if we can help. We offer free consultations so you can find out instantly what your best options are.

Resources For Neck Pain Disability Claims

For more information about neck and cervical spine disabilities, visit:

To learn more about how new laws or cases might affect your benefits, check back to this page, as we frequently update it with relevant information.

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.

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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
(641)
Showing 8 of 641 Reviews
New York Life

Keeps claiming they will not approve claim for pre existing conditions but my illness is not preexisting

Reviewed by M.T. on February 15th 2024   Verified Policyholder | May 2023 date of disability
I have been appealing a claim for LTD for 8 months! New York Life keeps claiming they will not approve claim for pre existing conditions but my illness is not preexisting ... read more >
Reliance Standard

Staff Lie

Reviewed by Tanya on February 12th 2024   Verified Policyholder | August 2021 date of disability
I had my disability cut off the day I was scheduled to find out whether I should have surgery. The claims examiner was aware that I had an appointment on that date and sai... read more >
Reply
Sent on February 12th 2024 by Attorney Gregory Dell

I am sorry to hear about your experience. It’s crazy that Reliance Standard would deny your disability benefits when you are suffering so badly that you need surgery.... read more >

Hartford

Former Hartford employee has had life insurance and accidental death policy's revoked for one late premium payment

Reviewed by Becky H. THOMAS on February 12th 2024   Verified Policyholder | February 2024 date of disability
Dislike how they are constantly interrupting the lives of their disabled EE's whom are entitled to benefit which they paid into out of there pay check every pay period onl... read more >
Reply
Sent on February 12th 2024 by Attorney Gregory Dell

Thank you for your review of Hartford and we appreciate you sharing.  It’s sad they don’t take care of their own employees.

Lincoln Financial

Never received benefits my entire leave - or help with them

Reviewed by Anna on December 19th 2023   Verified Policyholder | November 2023 date of disability
I used my short term disability insurance for maternity leave and started the process beforehand knowing when I would be out (scheduled induction.) It took a little over a... read more >
Sun Life

Unscrupulous Tactics

Reviewed by Misseekayy on December 19th 2023   Verified Policyholder | May 2023 date of disability
Sunlife uses unscrupulous tactics in order to prevent payment of claims. They wait until it is close to the 30 day mark and then they ask for another form of information o... read more >
Sedgwick

Lame

Reviewed by Dennis T. on December 11th 2023   Verified Policyholder | March 2022 date of disability
My experience with Sedgwick and personell is as follows: Unhelpful, unprofessional and an overall unpleasant experience.
Unum

Low payments

Reviewed by Dorothy on November 30th 2023   Verified Policyholder | November 2023 date of disability
I was injured at work. I did house keeping in a hospital. I tore just about everything imaginable in my knee. I was let go from my job, because I was no longer able to do ... read more >
Lincoln Financial

Well Documented correspondence

Reviewed by Joshua on November 23rd 2023   Verified Policyholder | May 2023 date of disability
I read other situations and it’s all very similar to my case. I have received STD from May 2023 and when my FMLA run out LF would not respond or answer my calls. My last... read more >
Answered Questions by Our Lawyers
(2)
Showing 2 of 2 Answered Questions

Q: Would a diagnosed condition of psoriatic arthritis qualify me for a LTD?

Answered on December 20th 2023 by Attorney Rachel Alters
A: The diagnosis alone doesn’t qualify you. Your doctors would need to document that your condition was so seve... Read More >

Q: How does Lincoln Financial calculate their lump sum payouts? Is this an option I should even think about?

Answered on May 9th 2017 by Attorney Stephen Jessup
A: Dawn, please feel free to contact our office to discuss your claim further to assess the possibility of a lump... Read More >
Helpful Videos
(861)
Showing 12 of 861 Videos
Disability Benefit Tips
(330)
Showing 8 of 330 Benefit Tips

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

If you have a disability claim that involves neck pain, you might be wondering exactly how mu... Read More >

Neck Pain and Long Term Disability Insurance Claim Help

Neck pain is unfortunately a very common occurrence for people at some point in their life. W... Read More >

Long Term Disability Claims Due to Back Pain

One of the most common causes for filing a short or long term disability insurance claim is due to “back pain.” Although this encompasses ... Read More >

Disability Benefit Denial Reason #5 – Your Medical Evidence is Weak

If you're seeking long term disability benefits from an insurance company, you may be concern... 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 >
Dell Disability Cases
(369)
Showing 8 of 369 Dell Disability Cases

Louisiana State College Director Wins Unum LTD Appeal But Then Denied Again

Client was Regional Director for the State of Louisiana. She was diagnosed with cervical rad... Read More >

MetLife Approves Long Term Disability Claim For Executive Assistant with Neck Pain

Our client, a former Executive Assistant at American Express, filed a claim with MetLife under American Express's short term disability policy... Read More >

Liberty Mutual Overturns Denial of Disability Benefits Following Submission of an ERISA Appeal

Liberty Mutual Initially Approves Disability Claim After Finding Total Disability From Own OccupationOur client, John, was working as a Ch... Read More >

Cigna Overturns Denial of LTD Benefits to Computer Systems Engineer after Appeal and Independent Medical Examination

Our client was previously employed as a Computer Systems Engineer. In this occupation, he was responsible for support and maintenance of a rea... Read More >

Berkshire Approves Application for Disability Benefits to Sales Manager

Our client, an accomplished outside salesman, had built a stellar reputation in his industry after building his company over a period of many ... Read More >

CIGNA overturned previous denial of long term disability benefits for Massachusetts Senior Advisor

Our client, Ms. G, formerly worked as a Senior Advisor for a large financial services company. In March 2015 a number of co-morbid physical co... Read More >

CIGNA overturned previous denial of long term disability benefits for New Jersey Account Manager

Our client, Mr. W, formerly worked as an Account Manager for a large entertainment Company. In May 2015 a number of co-morbid physical and psy... Read More >
Disability Lawsuit Stories
(764)
Showing 8 of 764 Lawsuit Stories

Court Rules That Aetna’s Failure To Consider Plaintiff’s Actual Job Duties Was Arbitrary And Capricious

Aetna’s Rationale for DenialIn Patterson v. Aetna Life Insurance Company, C.A. No. 17-3566 (3rd Cir. 2019) through his&nb... Read More >

Court Rules That MetLife Improperly Limited Proof Of Claim To Only Objective Data

In Roberts v. Metro. Life Ins. Co., C.A. No. 6:18-cv-725-TMC (D. S.C. Sept. 3, 2019), Plaintiff worked for IBM for more th... Read More >

Court Upholds Reliance’s Denial of Disability Benefits to Riverboat Pilot

In Michael G. Miller v. Reliance Standard Insurance Company (Reliance), Plaintiff worked for Lake Charles Pilots, Inc... Read More >

Can UNUM Deny LTD Benefits When Plaintiff Proves Eligibility by a Preponderance of the Evidence?

In the case of Paul Luu v. First Unum Life Insurance Company of America (Unum), Plaintiff had been employed by MUFG Union Bank ... Read More >

Cigna Denial of LTD Benefits for Schlumberger Shop Manager Upheld

In Jerry Courville v. Life Insurance Co of North America (LINA), Plaintiff was employed as a shop manager for Schlum... Read More >

Prudential Denies Long Term Disability Claim Due to Insurance Fraud

Our office was recently contacted by an insured whose claim for long term disability benefits had been recently and abruptly denied by Prudent... Read More >

Court Remands Sun Life to Consider Social Security's Decision to Award Plaintiff Disability Benefits

In Green v. Sun Life Assurance Co., the issue concerned whether or not the claimant was continuously disabled during the 180-day required elim... 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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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.

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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.