Ohio National Disability Help

Our Disability Lawyers Help You Collect Ohio National Benefits

Ohio National Life Insurance Company can be a very difficult company to deal with if you are trying to get paid disability insurance benefits.

Our law firm has represented and currently represents numerous doctors and business professionals throughout the country with their Ohio National Disability claim. Our disability attorneys can help you any stage of your disability claim.

Most Ohio National disability policies are not governed by ERISA and the monthly benefit amounts are usually in excess of $7,500. The definitions of total disability and residual disability are usually favorable in an Ohio National Life policy, which is an advantage for a claimant. Some of the policies also pay lifetime benefits, which is rare in today’s market. Ohio National is a mid size insurance company, but the sale of disability insurance is not a large part of their revenues.

The Disability Claim Department At Ohio National Is Not Cooperative

From our experience it seems that the disability claims handling department at Ohio National contains a few employees and in recent years has experienced a fair amount of employee turnover.

Our lawyers have seen a pattern in which Ohio National will routinely hire the same doctor to review their disability claims. For example, in several of our cases, Ohio has hired Dr. James R. Hawkins, M.D., board certified in psychiatry and neurology to review the medical records of our clients. We have never seen a report generated by Dr. Hawkins in which he determined that our client was disabled. Dr. Hawkins also happens to be conveniently located in the same city as Ohio National’s headquarters.

Nine Examples of Ohio National’s Unreasonable Disability Claim Handling Tactics

Let’s take a look at the manner in which Ohio National conducted itself during the pendency of a claim in which we represented a family medicine doctor that was being paid total disability benefits for five years.

During Ohio’s attempts to deny benefits to our client, we made the following request to Ohio National and they were all denied:

Refused to provides a copy of any field interview reports or recorded statements that were provided to Ohio National by our client;
Refused to allow the disability claimant to videotape any of the four Compulsory Medical Exams (CME) requested by Ohio National;
Refused to allow the Compulsory Medical Exam to be videotaped;
Refused to allow the claimant to have an independent witness present at the CME EXAM with four different doctors the claimant had never met before;
Refused to provide either the disability claimant or his treating physician’s with the Raw Data from the neuropsychological IME exam that Ohio required the claimant to attend;
Refused to release copies of the CME exam reports to the disability claimant;
Refused to provide proof of the malpractice liability insurance for the CME doctors that had been hired by Ohio National to exam the claimant. Ohio is obviously unaware of the extensive case law that states a CME doctor may have a duty to the disability claimant even in the absence of a formal relationship. There have been numerous lawsuits against CME doctors for injury caused to a claimant and failure to diagnosis;
Refused to provide the claimant with copies of any documentation that the claimant had submitted to Ohio National over the past 5 years;
Denied knowledge of a disabling medical condition which was submitted in multiple medical records to Ohio National more than 5 years ago.

Ohio National’s conduct speaks for itself. In the case discussed above, Ohio expects the claimant to give them everything they ask for, but they don’t have to share anything with the policyholder. Thankfully our client continues to be paid; however Ohio National clearly understands that should they deny disability benefits our disability lawyers will immediately sue to recover benefits, attorney fees, costs, and any potential bad faith damages.

Resources to Help You Win Disability Benefits

Disability Benefit Denial Options

Submit a Strong Ohio National Appeal Package

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

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Sue Ohio National

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

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Protect Your Benefits

Get Your Ohio National Disability Application Approved

We help claimants throughout the entire application process.

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Prevent an Ohio National Disability Benefit Denial

We manage every aspect of your disability claim following claim approval.

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Negotiate an Ohio National Lump-Sum Settlement

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

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Ohio National Reviews

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Answered Questions by Our Lawyers

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Q: Who are the top companies you would recommend for a surgical specialist?

Answered on August 1st 2022 by Attorney Stephen Jessup

A: Mac, all insurance companies have their idiosyncrasies when it comes to the claim review process that can caus... Read More >

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Helpful Videos

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Disability Benefit Tips

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Are You Entitled to Lifetime Disability Benefits from Ohio National?

I recently spoke with a claimant regarding a letter he received from Ohio National that indicated he was not eligible to receive lifetime disability benefits as he was not totally disabled before the age of 60 and continuously so through the age of 65. During our initial call I advised him that although each disability carrier and/or policy can differ in language, as a general rule it is very common that lifet... Read More >

Do I always have to repay Social Security disability benefits to my disability insurance company? Maybe not!

Does a disability insurance claimant have to repay an insurance company back for the money received from Social Security? Unfortunately, this answer is overwhelmingly answered by a simple affirmative "yes." The vast majority of ERISA governed group long term disability policies contain provisions allowing the insurance company to offset your monthly disability benefit by the amount you and/or your dependents r... Read More >

Why Must Your Disability Insurance Lawyer Understand Your Disabling Condition?

When it comes to securing your disability insurance benefits, it's vitally important that your disability insurance lawyer thoroughly understands the symptoms and impact of your disabling condition. Doctors can help you create strong medical records, but they're not accustomed to dealing with the rigorous documentation disability insurance companies require. Lea... 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 concerned that you're facing an uphill battle. Fortunately, the stronger your medical evidence, the greater the odds that your claim will be approved. On the other side of the coin, one of the most common reasons for denial of long term disability benefits involves too-weak med... Read More >

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

When you're seeking disability insurance benefits, your medical records and treating physician's statement are two of the most important components of your claim. But because the insurance company has a vested interest in denying your disability insurance claim, it often will rely on tactics like ambushing your doctor with a phone call in an attempt to get them ... Read More >

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

One thing many disability insurance claimants don't know about (or expect) from the claims review process involves video and social media surveillance. Disability insurance carriers often hire people to follow claimants around with a telephoto lens - or even send social media friend requests from fake accounts - to glean whatever information they can about the c... 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. You are sick and not able to work, yet your disability insurance company is telling you to return to work. The disability insurance company has denied your disability benefit claim and is basically calling you a liar. When receiving a disability denial letter or a ph... 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 the change in the disability insurance policy's definition of "disability." This definition change often happens in conjunction with a vocational review, or an analysis of a claimant's medical records that tells the insurance company which jobs the claimant should be able ... Read More >

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Dell Disability Cases

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Seven Surgeries and The Standard Still Denies Disability Insurance Benefits

Our client was employed with the State of Oregon as a Technical Support Representative. She sought disability through her employer provider LTD Policy with Standard due to low back, hip, and lower extremity pain. She had two hip, two knee and three back surgeries.After paying her for 1.5 years Standard hired a board-certified neurologist to perform a review ... Read More >

Sun Life Wrongfully Denies Disability After Paying For 23 Months

We represent a 57 year-old claimant who’s occupation was selling commercial vehicles for many years. Her job was very physical as it required her to climb in and out of semi-trucks multiple times a day as well as operate them which was very strenuous. She went out of work in due to ongoing and severe debilitating right hip, low back, and bilateral knee pain... Read More >

Nurse Denied Long-term Disability Benefits by Lincoln After the Definition of Disability Changed

Our client, a registered nurse for Dignity Health, found herself in a difficult situation after being diagnosed with lumbar spondylosis and left knee arthritis. She continued to work, however, struggled while attempting to work through chronic lower back pain and left lower extremity radicular symptoms on a daily basis. Sadly, her condition failed to improve and... Read More >

Lincoln Reverses Decision to Terminate LTD Benefits of Corporate Attorney after Dell Disability Lawyers Appeals the Decision

The claimant is an 64 year old former Corporate Attorney and at a prominent Florida business law firm who was forced to cease working in his highly successful and rewarding profession, job, and career on January 27, 2021, and to seek disability compensation under his policies with Lincoln due to severe symptomatology stemming from or following a viral COVID-19 i... Read More >

Transportation Manager with Brain Injury Wins Unum Disability Benefit Appeal

Unum unjustly terminated our client’s disability insurance claim after it had approved and accepted liability for six months. Unum unreasonably concluded, without any evidence of improvement, that the claimant had resumed the sustained work capacity to perform the material and substantial duties of her high level occupation as a Transportation Division Manage... Read More >

Prudential reverses decision to terminate LTD benefits of MRI Tech with Primary Progressive Multiple Sclerosis and degenerative Disc Disease

The claimant is a 58-year-old former MRI Technologist for Fairview Health Services who has long suffered from the debilitating effects of her chronic medical conditions. She has a history of neck pain as well as right arm pain and numbness dating back to 2005 with a reoccurrence of severe symptomatology in 2013. MRI of her cervical spine performed in August of ... Read More >

Engineer With Depression Wins Prudential LTD Appeal

The claimant is a former Senior Technology Services Engineer for Accolade, Inc. who was forced to cease working on May 25, 2021 and to apply for disability insurance benefits under his policy with Prudential because of severe symptomatology related to depression and anxiety. Prudential initially approved his claim for LTD benefits as his symptoms were demonstrat... 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 claim for short term disability benefits and spoke with Attorney Stephen Jessup. New York Life had initially approved her claim for short term disability benefits, but in doing so awarded benefits only on account of a mental health condition, even though our client had filed... Read More >

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Disability Lawsuit Stories

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Ohio National Sued for Not Paying Brokers Who Sold Annuities

The action by Ohio National means that they will no longer pay commissions on existing VA annuities as the agents and brokers claim was promised to them in their servicing agreements. As a result of the insurance company's letter terminating commissions, numerous lawsuits across the country have been filed by its brokers and agents.The Lawsuits: BackgroundBetween 2012 and 2018, brokers and agents sold ... Read More >

Wyeth Pharmaceutical/Pfizer Senior Attorney suffering from disability sues Ohio National Life Insurance Company for denial of disability benefits

A disability attorney recently filed a federal lawsuit against The Ohio National Life Insurance Company. The Plaintiff worked as a Senior Attorney in the Wyeth Pharmaceutical (now Pfizer) Global Business Development Legal Group. Plaintiff purchased a Disability Insurance Policy from Ohio National on May 14, 1999, then purchased another Disability Insurance Policy from Ohio National on September 24, 1999.Th... Read More >

Ohio National Life Insurance Company denies claim after 7 years of disability payments

Is there a trend of disability insurance denials taking place at Ohio National? Dell Disability Lawyers recently filed suit in the Federal District Court of Hawaii after our client was denied benefits after more than 10 years of payments. It is not common that a disability claimant is denied benefits after 10 years. In conducting nationwide research about other lawsuits against Ohio National Life, we came acro... Read More >

Reliance Standard Disability Denial Upheld Due to Claimant's Lack of Strong Medical Record Support

In the case of Amy Wright v. Reliance Standard Life Insurance Company (Reliance), Plaintiff was the vice-president of health information services at Integrity Health Care when she stopped working on August 7, 2017. She brought claims for benefits under an LTD insurance policy and a waiver of premiums under a life insurance policy.In order to be approved for LTD benefits, Plaintiff ... 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 case supports all claimants that are disabled and claim that they cannot return to work as the requirements of their job will aggravate their symptoms and make them unable to work.Mark was a personal injury litigation attorney, when he began struggling with symptoms of... Read More >

Federal Court Overturns Aetna Denial Of Disability Benefits

In the recent case of Ferrin v. Aetna Life Ins. Co. a federal judge from the Northern District of Illinois determined that Aetna improperly terminated Ferrin’s claim for long term disability benefits and ordered Aetna to reinstate Ferrin’s claim and pay all past due benefits with interest. Prior to filing for long term disability Ferrin was an employee of Southwest Airlines. In 2008, while at work, she suf... Read More >

Court Finds Irregularities in Procter & Gamble Disability Insurance Benefit Denial

In ERISA cases filed in a district court asking for judicial review of a plan administrator's denial of benefits, the court is generally limited to considering only the administrative record that was before the plan administrator. The case of Robert Stallings v. The Proctor & Gamble Disability, Committee, et al., is an example of how plaintiffs with cases filed in a District Court that is under the jurisdi... Read More >

Federal Judge Makes Companion Life Insurance Pay Disability Benefits

Companion Life tried to play games and deny disability insurance benefits, but thankfully a New Mexico Federal Judge made them pay disability benefits and attorney fees. The Plaintiff, Mr. Paul Chandhok, was recently awarded disability benefits in a decision by The United States District Court for the District of New Mexico, in a case decided on August 13, 2021. What makes this decision important for plaintif... Read More >

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Reviews from Our Clients

S.S.

I am a physician in my 30s who was practicing in my hospital based medical specialty until my Multiple Sclerosis diagnosis began to severely limit my physical ability to work.

My husband and I were obviously in distress at these very unwanted life changes and frankly overwhelmed with the possibility of a long and traumatizing legal battle ahead of us. We knew we were legally entitled to benefits through the separate private individual and employer based ERISA disability insurance policies we had, but even cursory research and discussion with colleagues made it clear that insurance companies will strategize with their own legal teams to find ways to not pay out benefits. We found many before us who had fallen unwittingly into legal pitfalls that prevented them from ultimately obtaining benefits. We realized we needed to seek legal counseling.

We found Dell Disability Firm through their youtube channel where their associates have videos discussing the legal intricacies and latest developments in private disability law. I was impressed by their dedication to the field and reached out through their website to request a free consultation.

We were delighted to hear that Mr. Steven Dell himself would be willing to take our case and felt assured that we would be represented by the best of the best.

We have not been disappointed in our expectation and have, in fact, been consistently very impressed. Steven Dell is clearly both knowledgeable and wise about dealing with these issues but more importantly, has shown kindness and impeccable honesty at each step of the way.

Merlin has demonstrated a very high capacity for organizing and handling the endless myriad of documents and communications between us and the insurance companies. She has also been very compassionate, accessible and forthcoming in dealing with our many anxiety fueled emails and telephone calls to her and we are very grateful for her involvement.

For over 7 months, we have been working closely with Steven Dell and Merlin Bryan from Dell Disability Lawyers as they have guided us through the process of review and initial application for benefits from our two insurance policies (Hartford and Ameritas).

We are happy to announce we just received approval of claim from the Hartford insurance company.

At this time we are still working with this firm as we await the final decisions from Ameritas policy that we are hopeful will have a similar outcome.

As anyone with a chronic and progressive illness can tell you, time becomes a very precious commodity. Through their representation, Dell Disability Associates has allowed us to focus the majority of our time enjoying the time and function I have left while resting assured that our disability case laid in competent and caring hands.

The truth is that no amount of money can make up for what we have lost, but it is a huge comfort to have a team like Dell Disability Lawyers at our sides to help us ensure we will be able to continue to care for ourselves and our families.

We highly recommend Dell Disability Lawyers, Mr. Steven Dell and Ms. Merlin Bryan to handle your disability insurance claim.

Thank you Steven, thank you Merlin!

We will certainly plan on leaving another review for completeness once we have our final decision from Ameritas.

Paula B.

I have been working with Dell Disability Lawyers for the past 5 years concerning my disability as it pertained to my employer. I have been more than pleased with them the entire time. They have always kept me informed of any paperwork needing completed or any changes coming ahead. Nothing has been a surprise. I would recommend them to you to help with your disability case if you’re trying to dip into the policy you’ve been paying for.

Michael M.

I am a physician who has been disabled for over 10 years. During this time I have been represented by Cesar Gavidia and his assistant Danielle Lauria. Their representation on my behalf has allowed me to concentrate on dealing with my disability/disease process and all associated complications and not having to deal with all the things that are necessary in a disability claim. Based on my personal experience from many years of practicing medicine I would consider their work product, insight and effort in the disability claim procedures to be superior. I would recommnend them, which I have done, with my highest level of confidence. In short, you well served with this practice.

Dan P.

I had to retire from my career due to a bad back that restricted me from performing my duties. I had LTD insurance and after a few years of receiving monthly benefits from this insurance company, they notified me that my benefits were terminated stating that I don’t qualify due to my duties not fitting into some “national job description” and a nurse had deemed me eligible to go back to work. Its a crushing feeling to have this told to you over the phone with hardly any information given. Luckily, I came across Dell Disability Lawyers and spoke with Attorney Palamara who calmed me down and stated they would take my case. Within a couple of months my benefits were restored, and I had piece of mind. I cannot thank Attorney Palamara and the staff enough at Dell Disability for their professionalism, no nonsense approach, personal and timely communication and quick ability to litigate my case.

Jen S.

I wanted to thank Mr. Symonds and his legal assistant Sonia for their professionalism, guidance and dedication towards my LTD claim. Going through the denial process on my own was going to get me sicker and knew it was time for help right away. I reached out to Dell Disability Lawyers for assistance and not too long after my call, I was connected with Sonia – Soon after that, I was talking about my case with Mr. Symonds. After a long and tedious process with the LTD insurer, we won the case. The wait can absolutely be lengthy, but in the end, it was all very much worth the fight. Thank you both so much for all that you have done for me! I also want to thank those who assisted in keeping me updated, as needed. Highly recommended for anyone who is going through the brutal process of an LTD denial.

Carl G.

I would like to thank Dell Disability Lawyers for taking care of my case and help me get the insurance coverage that I was rightfully in need of. Specially, I would like to thank Lawyer Alexander Palamara and RIGHT-HAND legal assistant, Sonia Nogueira, who made this process less stressful. They answered all my questions and kept me informed every step of the way.

Don’t get me wrong. They never promised or told me that I was going to win my case, as no one can guarantee that for you. What they did do, was letting me know that they were working hard for me and to keep positive. Something that I recommend everyone to do is to subscribe to their YouTube channel. That will give you an idea on how they operate and why they (for most of their cases) win their cases.

Since I was awarded disability, I am still having surgeries and thanks to Dell Lawyers, I’ve been able to cover all those expenses.

Warm regards to everyone at Dell.

Clarisa B.

I’m so very Grateful and Thankful for the team at Dell. They worked tirelessly to get the best outcome for me. I’m so glad that I found them!!

Carole S.

Exceptional efficient and professional service from Jay Symonds and Sonia Nogueira. They were both so helpful and knowledgeable and navigated me through a very stressful and difficult situation with New York Life.

K. S.

Awesome team. Jay and his team, Sonia and Francesca, truly care. This team is very Professional and quick to respond. Jay always provided answers in detail to my questions. I strongly recommend Jay Symonds.

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