• Private Disability Insurance Benefit Denial Legal Options

What Are My Options Following A Private Disability Insurance Claim Denial?

Disability insurance claim denials which are not governed by ERISA give claimants and lot more options. In this video, disability insurance lawyers Gregory Dell and Cesar Gavidia answer the most frequently asked questions following the denial of a private disability insurance claim. There are numerous remedies available to claimants that have been denied. After watching our video, contact any of our disability insurance lawyers for a free consultation to discuss your claim denial.

Comments (8)

  • Ken,

    If you failed to file administrative appeals you may be barred from bringing lawsuit. Typically you have 3 years from the date of the denial of benefits to bring suit. Please feel free to contact our office to discuss your claim further.

    Stephen Jessup Sep 23, 2015  #8

  • At what point is it to late to go after long term benefits that was denied to me, even though I ended up having back surgery to help with the pain I have. I worked for Home depot for five years and paid for std, and ltd insurance through the company. The underwriter was Liberty Mutual. Was denied over 2 years ago.

    Ken P. Sep 22, 2015  #7

  • Larry,

    I would agree with you with respect to quality of coverage and encourage those that can afford the premiums to pursue an IDI policy. The unfortunate reality is most people cannot afford the premiums.

    Stephen Jessup Jul 31, 2015  #6

  • The above is just another reason why most, if not all group STD and LTD coverage can be more harmful than good when needed…it’s like walking on thin ice. As a claims consultant with 40 years experience and over 50 published artcles (why group LTD is not the best/yours for the asking) I can back up my contentions and whenever there is a choice between group coverage and individual disability insurance, if eligible, forget the cost and go for IDI.

    Larry Schneider Jul 30, 2015  #5

  • Patricia,

    I am sorry to hear of your losses. Unfortunately, if the policy clearly states that it does not cover psychiatric illnesses then there is little that could be done. If the policy does not state this and Colonial Life is simply stating that your condition is not severe enough to result in disability then please feel free to contact our office to discuss what can be done.

    Stephen Jessup Jul 23, 2015  #4

  • Richard,

    It is certainly proof of disability to be considered by the carrier, but does not bind the insurance carrier to make the same findings.

    Stephen Jessup Jul 23, 2015  #3

  • I’ve been with this company for at least 10 years, I never had to use my std insurance before, been on my job for 14 years. I pay for this insurance through my own but was turned down this year 2015 for std when I was not able to return back to work due anxiety, depression and panic attacks due to the lost of and love one (s) in the year of 2014. The last one my comm law husband in October 2014 of pancreatic cancer. The Colonial Life says they don’t pay for psychological or psychic conditions. I’ve worked and paid all this time and can’t get what I paid for. Is there anything else I can do, since then I’ve been let go also.

    Patricia Jul 22, 2015  #2

  • Very good informational video about individual disability claims. Is a decision of the US Department of Veterans Affairs that states an individual is 100% permanently and totally disabled admissible against a recalcitrant private disability carrier?

    Richard Jul 22, 2015  #1

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Questions About Hiring Us

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 telephone, e-mail, fax, GoToMeeting.com 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 800-682-8331 or by email. Lawyer 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.

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