Collecting Osteoarthritis Disability Benefits Is A Reality

The severe pain associated with osteoarthritis prevents many Americans from working in their own occupation or any occupation. Osteoarthritis disability insurance claims are often an issue for disability insurance companies due to the degenerative nature of the condition. Disability companies wrongfully expect some kind of conclusive event to have occurred in order to justify paying a person that has stopped working due to osteoarthritis. Osteoarthritis is a chronic and degenerative condition and people suffer and continue to work for many years before they stop working. Our disability lawyers understand your medical condition and we know what the disability company needs to see in order to approve your claim. If the disability company refuses to act reasonably, then we will sue them and we know the legal standard that they must comply with. We try to do everything possible to avoid a lawsuit and make sure you continue to get paid every month.

Our disability insurance lawyers will work with your doctor(s) to make sure that the best medical evidence is obtained and presented to your disability carrier. People with osteoarthritis have good days and bad days. Insurance companies don’t believe in good days and will try to obtain video surveillance of you in order to prove that you can return to work. Our job is to protect your benefits and make sure the disability insurance company pays your claim. We know how the disability companies think and we are able to always keep you one step ahead of them. Contact us for a free consultation to discuss how we can assist you with your short or long term disability insurance claim. We assist claimants located anywhere in the USA.

A Record of Success with Osteoarthritis Disability Benefit Claims

Our disability insurance lawyers have years of experience assisting those who suffer from osteoarthritis. Read some of our resolved cases to see how we have helped people in your situation:

We welcome you to review hundreds of our client testimonials and resolved cases so that you can learn more about how we may be able to help you.

Resources About Osteoarthritis

For more information about osteoarthritis, visit the following links:

To learn about osteoarthritis charitable organization take a look at:

Visit this page later for new information about osteoarthritis benefits. We provide updates about new cases and laws relevant to anyone with osteoarthritis.

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
(648)
Showing 8 of 648 Reviews
Unum

Unum Closed My Case Today

Reviewed by Scott C. on July 5th 2024   Verified Policyholder | March 2023 date of disability
Unum will keep you around, if they pay you 100 a month. But as soon as have to pay more than 2700 a month, they will drop you. We will be going to the attorneys office fir... read more >
Hartford

Ran me Around for Months

Reviewed by David on July 5th 2024   Verified Policyholder | January 2024 date of disability
Scammers. Immoral horrible people.
Reply
Sent on July 5th 2024 by Attorney Gregory Dell

David:

It’s horrible that Hartford did that to you.

Prudential

Denied but Not Denied but I am Denied

Reviewed by KDDK on July 5th 2024   Verified Policyholder | August 2022 date of disability
I went out in Aug. 2022 for neck pain. After seeing a neurologist I had to get an ACDF C5-7, it was also determined I had carpal tunnel in my right hand and bulging disk i... read more >
New York Life

Claiming They Are Not Receiving Paperwork

Reviewed by Macey on June 26th 2024   Verified Policyholder | February 2024 date of disability
After suffering from medical issues from my delivery in February, I had to have a colostomy bag placed. Now New York Life is trying to claim my condition was pre-existing ... read more >
Hartford

Truly Horrible and Immoral Company with No Customer Service

Reviewed by William M. on June 26th 2024   Verified Policyholder | June 2020 date of disability
My experiences with Hartford have been nothing short of cruel. They started off by claiming that having Glioblastoma, which has an expected life span of about fifteen mont... read more >
Hartford

Sent my Direct Deposit to a Strangers Bank Acct

Reviewed by Brad on May 2nd 2024   Verified Policyholder | February 2024 date of disability
I went on short term disability and The Hartford put my direct deposit into someone else’s bank account. Somehow they messed up a number or two and they are refusing to ... read more >
Hartford

After all the fraud and stress they put us through, Hartford should get investigated

Reviewed by Gloria Morley on August 22nd 2011   Verified Policyholder
I also have been denied, they let me receive STD for six months. They told me I would have to apply for SSD and when – and if – I got it I would have to pay them back ... read more >
Standard

Standard denied my claim even though my doctor said I couldn't work

Reviewed by LeAn on June 17th 2011   Verified Policyholder
I was approved for STD. My request clearly stated my reason was for Fibromyalgia, C-spine herniation, and osteoarthritis. My LTD was denied because “my job” was sedent... read more >
Answered Questions by Our Lawyers
(2)
Showing 2 of 2 Answered Questions

Q: Can I collect Social Security and work part-time?

Answered on May 22nd 2020 by Attorney Gregory Dell
A: Michael, you are in a tough spot. When a person applies for ssdi they need to be unable to perform the dutie... Read More >

Q: Can I claim a permanent disability to avoid a surgery that requires several months of down time without promising results?

Answered on September 14th 2019 by Attorney Jay Symonds
A: Lia, each claim depends on the specific facts and circumstances of the case in conjunction with the specific t... Read More >
Helpful Videos
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Disability Benefit Tips
(331)
Showing 8 of 331 Benefit Tips

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... 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 >

Disability Denial Reason #1 – Paper Review & IME

At Dell Disability Lawyers, we've seen insurance companies give countless reasons to deny long term disability benefits. However, most disability benefit denials tend to fall into one of a few categories - and one of the biggest ones is the paper review and independent medical exam (IME). Learn more about what this review process entails and what your claim file... 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 things in the process. When you’re experiencing an injury or illness that makes it difficult (or impossible) to work, it can be tempting to file a claim as quickly as possible – but unless a claimant has all their ducks in a row, this could actually delay the ultimate r... Read More >
Dell Disability Cases
(375)
Showing 8 of 375 Dell Disability Cases

After Appeal, Lincoln Overturns Denial of LTD benefits for Trucking Supervisor

Our client, Mr. D, formerly worked as a Trucking Supervisor for a large steel distribution center. For many years Mr. D suffered from chronic debilitating effects of multiple physical conditions and ailments, including severe degenerative osteoarthritis and cervical spine multilevel degenerative disc disease, which left him with debilitating physical impairments. Mr. D was unwilling to give up his career and w... Read More >

Sun Life Overturns Its Previous Denial of LTD Benefits for Massachusetts Teacher

Our client, Ms. L, formerly worked as a Technology Teacher for a public high school in Massachusetts. For many years Ms. L suffered from chronic debilitating effects of multiple physical conditions and ailments, including most notably severe degenerative joint disease and osteoarthritis, which left her with debilitating physical pain and occupational impairments. Ms. L was unwilling to give up his career and w... Read More >

LINA overturned its previous LTD denial for Medical Technologist

Our client, Ms. H, formerly worked as a Medical Technologist for a National Clinical Laboratory. In July 2017 a number of medical issues, including psoriatic arthritis and osteoarthritis forced Ms. H to stop working and submit her claim for disability benefits under her employer’s long-term disability (LTD) policy, which was funded and administered by LINA. Under her employer’s disability policy she would ... Read More >

Cigna again reinstates claim of Archdiocese of Baltimore Registered Nurse thanks to Appeal by Dell Disability Lawyers

A Registered Nurse was initially forced to stop working in 2013 due to various conditions, including: enthesopathy in the hip region, lumbago, myalgia/myositis, lumbar spondylosis, lumbar degenerative disc disease, lumbar facet syndrome, and chronic pain syndrome. When the pain from her multiple medical conditions left her unable to work, the RN immediately applied to Cigna for STD benefits, but was initially ... Read More >

After it had previously overturned a denial after an initial Dell Disability Lawyers Appeal, Liberty denied our client's claim again. After a new appeal, Liberty has now agreed to reinstate our client yet again.

Initial Denial, initial Appeal, benefits reinstated and benefits terminatedAfter receiving full payment of short term disability benefits, a hospital admissions clerk with Catholic Health System, Inc. suffering from morbid obesity, osteoarthritis, and chronic back pain was denied long term disability benefits despite her ongoing medical problems and their accompanying restrictions. In its initial denial le... Read More >

Liberty Mutual of NY Disability Benefit Denial Reversed After Two Denials In One Year

Disability insurance attorney Alexander Palamara discusses the importance of continuing medical treatment throughout the duration of a disability insurance claim.In this case the claimant was denied LTD benefits by Liberty Mutual of NY within a few months of winning a prior disability claim denial.This denial was likely due to an aggressive claims examin... Read More >

Dell Disability Lawyers Successfully Appeals Denial of Benefits to IT Support Specialist

Pre-disability and initial disability claimBefore contacting our firm, Ms. Z had been on claim for long term disability ("LTD") benefits for 3 years. Ms. Z was an IT Support Specialist for the county library system where she lived when she was forced to go on disability due to severe right hip dysplasia, osteoarthritis of the right hip, chronic pain and a number of other medical issues that collectively ma... Read More >

Prudential Reinstates Disability Benefits To School Teacher

Our client was a former public school teacher in South Florida who was forced to file for long term disability benefits under her school district's disability policy with Prudential due to debilitating Chronic Pain stemming from multiple disc herniations in her neck and lower back and osteoarthritis of the knees. Like the vast majority of Prudential disability insurance policies our client's policy contained a... Read More >
Disability Lawsuit Stories
(765)
Showing 8 of 765 Lawsuit Stories

Court Orders Western & Southern Financial Group to Pay Short Term Disability Benefits

In Devono Watson vs. Western & Southern Financial Group Flexible Benefits Plan (Plan), Plaintiff had been employed for more than 28 years as a Senior Case Analyst at Western & Southern Life Insurance Company when she became unable to work. She applied for short term disability (STD) benefits in August 2017 under her employee benefit plan provided by her employer. According to the terms of the... Read More >

Unum Disability Claim Dismissed For Failure To File a Timely Claim

In Wilson v. Provident Life and Accident Insurance Company, Woodrow K. Wilson, a shareholder of the Woodrow Wilson Construction Company, Inc., purchased an individual disability insurance policy from Provident in 1993. On April 18, 2013, for the first time, Wilson filed a claim for disability stating he had been unable to work since October 13, 2008, due to osteoarthritis pain in his shoulder, left knee and lo... Read More >

Court Orders Aetna to Pay Disability Benefits when Plaintiff was Found Capable of Working

In Halley v. Aetna Life Ins. Co., the plaintiff, an executive vice-president of a manufacturing company, suffered from spinal osteoarthritis and underwent numerous surgeries including a spinal fusion. He was granted three years of disability benefits when he was unable to perform the job requirements of his own occupation.After 36 months of disability, the definition under the Aetna policy changed, allowin... Read More >

UNUM denies disability insurance benefits to disabled nurse with fibromyalgia and osteoarthritis

Claiming four counts of misconduct by UNUM Life Insurance Company in the denial of her disability claim, Cynthia A. Keller filed a lawsuit on May 2, 2011 in the Eastern District of Michigan Southern Division. After exhausting all her administrative appeals to the insurance provider, Keller hired a disability lawyer who prepared her complaint stating that UNUM is guilty of breaching its obligations under ERISA,... Read More >

Companion Life wrongfully relies on 22 minutes of video surveillance to deny disability insurance benefits

This long term disability insurance case against Companion Life is another classic example of a disability insurance company's wrongful use of video surveillance to deny disability insurance benefits. This claimant won her court battle with Companion Life, but she was forced to survive for more than 4 years without receiving any long term disability benefits. Let's take a closer look at the case of Gail Lewand... Read More >

Court agrees with Unum's denial of long term disability benefits to man suffering with rheumatoid arthritis and osteoarthritis (Part II)

Yet, another case that has appeared in District Court demonstrates the challenge long-term disability attorneys face when representing a client when the Court uses the arbitrary and capricious standard to review the decision of a long-term disability plan. Even though the case we are going to consider involves a claim administrator with both discretion to determine whether the claimant qualified for benefits a... Read More >

What is Complete Disablity?

Knowing the difference between "partially" and "totally disabled" can save you millions.Why does it matter whether you are considered totally or partially disabled by your disability insurance carrier? Most disability insurance policies provide that a person with a partial disability will be paid through age 65, while someone on total disability benefits will be paid for the duration of his or her life.... 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 >

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 insurance 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 disability insurance 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 disability insurance 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 attorneys 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 insurance attorneys 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 disability insurance 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 disability insurance 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 attorneys 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 attorneys have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement. Our disability insurance 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 offer disability insurance attorney representation nationwide and we welcome you to contact any of our lawyers 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 850 videos and regularly provide tips to help protect your disability benefits.

Who do you help?

Our disability insurance attorneys 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 insurance 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, or video conferencing sessions. 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 insurance 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.

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