How We Help To Appeal Your Northwestern Mutual Disability Denial

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

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Our Lawyers Respond Today

Why Is It Important to Prepare a Strong Northwestern Mutual Appeal? 

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

  • How is Northwestern Mutual different from other insurance companies?
  • Does Northwestern Mutual allow more than one disability appeal?
  • How long do you have to appeal the disability denial by Northwestern Mutual?
  • What is your first step to appealing a Northwestern Mutual denial?
  • What does Northwestern Mutual need to establish if a disability claim is payable?
  • Why is it important for you to submit a strong appeal package to Northwestern Mutual?
  • What evidence did Northwestern Mutual rely upon to deny your disability claim?
  • How can we help in obtaining information from your doctors to support your disability appeal?
  • Why are custom attending physician statements essential?
  • How long does it take for Northwestern Mutual to make a disability appeal decision?
  • Is there anything you cannot submit to support your insurance disability appeal?
  • How can we help prepare a strong appeal package to Northwestern Mutual?

How Can You Win Your Northwestern Mutual Disability Appeal?

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

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

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

ERISA regulations require Northwestern Mutual to prepare and send your claim file within 30 days of a written request. We draft a very specific request for the claim file so that Northwestern Mutual cannot hide any documents or information that we think can help to win your appeal. The claim file is supposed to include all information relied upon to deny your disability benefits, which would include medical records, financial records, internal emails, memos and notes, your disability plan documents, video surveillance and any medical reviews and vocational reviews conducted by Northwestern Mutual. 

The Northwestern Mutual claim files provided are often intentionally disorganized and require legal experience in order to know what information in the claim file is relevant to preparing a strong Appeal. Your claim file may contain thousands of pages of evidence, and once we receive your file, we immediately organize and analyze all information so that we can prepare a plan of attack that puts You in the best position to have Your short term or long term disability benefits reinstated.


There is only one chance to submit a Northwestern Mutual appeal and it must be drafted strategically.


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

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

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

Northwestern Mutual Appeal Success Story

We assisted a client who worked as a Criminal Defense and Personal Injury Lawyer who was disabled with a gastrointestinal condition and won disability benefits through Northwestern Mutual following an appeal. In our video below, Attorneys Gregory Dell and Stephen Dressup discuss how they helped our client prepare a strong appeal of the disability denial of Northwestern Mutual.

Why Must Your Appeal Contain Strong Occupational Evidence?

In most Northwestern Mutual disability denials, Northwestern Mutual 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. Northwestern Mutual’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 Northwestern Mutual 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 Northwestern Mutual disability policy. In most Northwestern Mutual disability policies the definition of disability is Own Occupation for theOccupation the first 24 months and then it switches to the more difficult definition of Any Gainful Occupation. Most Northwestern Mutual 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 Northwestern Mutual Determine The Duties of an Occupation?

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

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

In many denial letters, Northwestern Mutual 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.

Northwestern Mutual Appeal Success Story

In a recent case, Northwestern Mutual approved benefits following an appeal of an Ophthalmologist suffering from a Neck Disorder. In our video below Attorneys Gregory Dell and Cesar Gavidia discuss how they helped prepare a strong appeal of the denial of Northwestern Mutual resulting in a reversal of the decision to deny benefits.

How Courts Review Northwestern Mutual Disability Appeals

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

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

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


Why Drafting A Strategic Northwestern Mutual Disability Appeal Is Crucial 

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

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

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

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

Learn more

Sue Northwestern Mutual

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

Learn more

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

Learn more

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

Learn more

Negotiate a Northwestern Mutual Lump-Sum Settlement

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

Learn more

Northwestern Mutual Reviews
(7)

Policy Holder Rating

1.7 out of 5
Read 7 reviews
0%would recommend
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71%
1
28%
Timely Payments
2.3out of 5
Handling Claim
2.6out of 5
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2.0out of 5
Dependable
1.6out of 5
Value
1.9out of 5
Showing 7 of 7 Reviews
Northwestern Mutual

Northwestern thinks I can walk even though my left leg is paralyzed

Reviewed by Dave B on July 7th 2019   Verified Policyholder
My Northwestern Disability policy has a presumptive total clause which pays lifetime benefits for loss of use of one hand and one foot. They Have claimed I do not fulfill ... read more >
Northwestern Mutual

Northwestern is the Quiet Company that silently screws its policy holders but is too big to fail

Reviewed by Magda S. on August 8th 2018   Verified Policyholder
I am a board certified cardiologist with severe diabetic comorbidities. I have had occupation specific DI policies with NML since 1980. I am now legally blind, have no fee... read more >
Northwestern Mutual

My claim was handled so unprofessionally – almost no written communication from NW Mutual

Reviewed by B.J. Robinson on April 19th 2015   Verified Policyholder
While waiting for NW Mutual’s decision on my claim for LTD benefits, I was terminated. The following week, NW Mutual sent me a letter denying my claim. Denial was seemin... read more >
Reply
Sent on April 19th 2015 by Attorney Stephen Jessup

BJ, you will have rights to appeal this denial. If you have not already done so please feel free to contact our office to discuss how we can assist you.

Northwestern Mutual

NWM refused to have a hematologist review my claim since my "numbers are currently normal." They ignored my primary concern of relapsing

Reviewed by JP on March 27th 2015   Verified Policyholder
Hi there. I have a chronic autoimmune disease that has temporarily placed me on LTD 5 times over the last 18 years. I currently am in remission although I remain on severa... read more >
Reply
Sent on March 27th 2015 by Attorney Stephen Jessup

JP, I think your claim could be in a grey area if the issue is not a current flare up causing disability as defined under the policy, but merely the risk of relapse. Ne... read more >

Northwestern Mutual

NW said my relatives' claim was "not justified" and double the premium for no reason

Reviewed by Lyn N. on May 28th 2013   Verified Policyholder
Northwestern claims examiner automatically ruled against my relatives’ claim “not justified.” We had one doctor who told us all he could do for my relatives pain was... read more >
Northwestern Mutual

BAD FAITH

Reviewed by Pamela Cherry on September 25th 2011   Verified Policyholder
I have two words for each of you: “BAD FAITH”. Sue Northwestern Mutual, ask for a jury trial and let justice prevail. There is no reason why your legitimate claims hav... read more >
Reply
Sent on September 25th 2011 by Attorney Gregory Dell

Pam, Thanks for your comment. Bad Faith can be a very powerful tool, however ERISA governed disability insurance policy holders have no right to a jury trial and no rig... read more >

Northwestern Mutual

NML says I have no limitarion and is refusing my benefits

Reviewed by Cynthia on May 15th 2011   Verified Policyholder
I am a litigation attorney with a paralyzed right vocal cord. My treating physician has placed me on vocal rest and said after the 7 years since my condition I can no long... read more >
Reply
Sent on May 15th 2011 by Attorney Gregory Dell

Cynthia, I am sorry to hear about your situation. In order to determine if we can assist you, we need to review your denial letter and a copy of your policy. Please con... read more >

Answered Questions by Our Lawyers
(11)
Showing 8 of 11 Answered Questions

Q: Do you help with negotiating lump sum settlements of policies?

Answered on August 11th 2020 by Attorney Stephen Jessup
A: Marcella, yes, we do assist in negotiating lump sum settlements of policies. Northwestern Mutual is very selec... Read More >

Q: Are there successful arguments to appeal Northwestern Mutual’s offset of claimant’s LTB by the amount of SSD benefits awarded?

Answered on April 23rd 2020 by Attorney Stephen Jessup
A: Carol, in almost all cases, no. If the policy explicitly allows for the offset, the offset is enforceable. Read More >

Q: Why does Northwestern ask the questions they do in the "Request for Continuation of Disability Benefits" form?

Answered on August 5th 2019 by Attorney Cesar Gavidia
A: Daniel, disability insurers ask these questions in order to obtain information relating to your level of activ... Read More >

Q: What exactly does Northwestern mean by “not gainfully employed in any occupation”? 

Answered on April 5th 2018 by Attorney Gregory Dell
A: Carol, Gainful work would imply you are performing steady work for payment and getting paid $20 for baby sitti... Read More >

Q: Why is NWM reviewing my claim when my condition hasn't changed? Is it strange that they requested an in-person review?

Answered on October 25th 2017 by Attorney Stephen Jessup
A: Jim, first and foremost, NWM is one of the most reputable insurance carriers in the industry. Although your co... Read More >

Q: Can I refuse to sign NWM's authoritization form?

Answered on March 31st 2016 by Attorney Stephen Jessup
A: David, you do have the ability to limit the authority granted, or to refuse it- but you will be responsible fo... Read More >

Q: Can NWM rescind my policy because I forgot to disclose an illness I had 20 years ago (that I no longer have)? Do I have to sign their release to access everything about me?

Answered on January 6th 2015 by Attorney Alex Palamara
A: Christine, If you failed to disclose a medical condition on an application to purchase a disability insurance ... Read More >

Q: Can you explain why NWM is still paying me while my claim is being reviewed? They said if they don't approve it, their accomodation payment is not owed back to them.

Answered on May 21st 2014 by Attorney Stephen Jessup
A: Frustrated, Northwestern Mutual is providing benefits under what is commonly known as a “Reservation of Righ... Read More >
Helpful Videos
(861)
Showing 12 of 861 Videos
Disability Benefit Tips
(330)
Showing 8 of 330 Benefit Tips

Application Tips: Northwestern Mutual Disability Benefits - Top Denial Reasons

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

Tips to Protect Your Northwestern Mutual Long Term Disability Benefits

Whether you're considering filing a long term disability insurance claim with Northwestern Mutual, have recently received a denial letter, or ... Read More >

What Can I Expect When Seeking Long Term Disability Benefits from Northwestern Mutual?

In this video, disability insurance attorneys Stephen Jessup and Gregory Dell discuss multipl... 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

Northwestern Mutual Approves Claim For Disability Benefits

Prior to contacting our office, our client was having little success in securing his disability insurance benefits under his privately purchas... Read More >

Northwestern Mutual Reinstates Disability Benefits to Attorney Suffering From Gastrointestinal Problems

Prior to filing for long term disability benefits under her private individual disability policy with Northwestern Mutual due to severe gastro... Read More >

Northwestern Mutual Approves Long Term Disability Insurance Benefits for Veterinarian

Our client was a long time Emergency Room Veterinarian whose job was far from what most envision when thinking of a Veterinarian. Unlike your ... Read More >

Engineer With Depression Wins Prudential LTD Appeal

The claimant is a former Senior Technology Services Engineer for Accolade, Inc. who was force... Read More >

New York Life Approves Disability Benefits for School Teacher With Multiple Sclerosis

Our client, a former elementary school teacher suffering from Multiple Sclerosis, contacted our office after New York Life terminated her clai... Read More >

Lincoln Denies Disability Insurance Benefits to 66 Years old Software Developer with Long Covid and MS

Our client came to us after he was denied continued Long Term Disability (LTD) benefits by The Lincoln National Life Insurance Company. Previ... Read More >

Lincoln LTD Denial Reversed for an Occupational Therapist that was Denied Benefits After 24 Months

Our now client came to us after she received a denial letter following her receipt of long term disability b... Read More >
Disability Lawsuit Stories
(764)
Showing 8 of 764 Lawsuit Stories

9th Circuit Clarifies The Definition Of "Sedentary Work"

In Armani v. Northwest Mutual, plaintiff Avery Armani, a Controller for an insurance agency, injured his back while lifting a heavy back-... Read More >

Northwestern Mutual Disability Claim Denial Reversed By Court

A Colorado court recently brought down a very harsh ruling against Northwestern for blatantly abusing its discretion in denying long-term disa... Read More >

California Consultant sues Northwestern Life Insurance Company for unpaid disability benefits

Northwestern Insurance beneficiary Todd W. and his California disability attorney's complaint against the insurer accuses Northwestern of brea... Read More >

Northwestern Mutual sued by shareholder attorney for underpaying and denying long-term disability benefits

A Washington disability attorney filed a federal lawsuit in the District Court serving the Western District Court of Washington at Seattle aga... Read More >

Northwestern Mutual denies partial disability benefits to trial attorney resulting in lawsuit for violations of Washington Insurance Fair Conduct Act

The Northwestern Mutual Life Insurance Company (Northwestern Life) was recently sued by a disability lawyer for the violations of the Washingt... Read More >

Podiatrist sues Northwestern Mutual seeking disability insurance benefits and bad faith damages

This case began in the United States District Court of the Southern District of Florida on April 8, 2011 when Northwestern Mutual refused to p... Read More >

Northwestern Mutual rescinds disability policy after claimant paid premiums for 15 years

When you apply for a disability policy, it is very important to answer all questions as truthfully as you can. The courts generally will not r... Read More >

Unum Wrongfully Terminated Disabled Lawyer’s Disability Claim of Depression and Anxiety Despite Improvement in His Condition

This Unum lawsuit and appeal in federal court is a great victory for all Unum disability claimants. This ca... 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.