How We Help To Appeal Your Principal Disability Denial

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

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Our Lawyers Respond Today

Why Is It Important to Prepare a Strong Principal Appeal? 

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

  • Why is it important for you to submit a strong appeal package to the Principal?
  • What is your first step to appealing a Principal denial?
  • Why is it important to have a copy of your claim file used to deny your Principal disability claim?
  • What evidence did the Principal rely upon to deny your disability claim?
  • Should you submit additional medical evidence for your Principal appeal?
  • Why is the support of your treating physicians important?
  • How can we help prepare a strong appeal package to the Principal? 
  • Why are custom attending physician statements essential?
  • Why may additional testing or examinations may be helpful in supporting your Principal disability appeal?
  • How does the Principal determine the duties of a job?
  • Why is an independent vocational assessment crucial to your Principal appeal?
  • Why is it critical to submit a strategic Principal appeal prior to litigation?

How Can You Win Your Principal Disability Appeal?

With strategy, collaboration, and execution, you can get your Principal disability claim approved. Every Principal disability benefit denial is unique because everyone has different medical conditions that prevent them from working, the definition of disability is different in most Principal 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 Principal disability denial with you. You should watch our video about How To Win Your Disability Benefit Appeal as you begin the process to get your Principal disability denial reversed.

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

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

ERISA regulations require Principal 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 Principal 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 Principal. 

The Principal 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 a 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 Principal appeal and it must be drafted strategically.


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

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

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

Principal Appeal Success Story

In the below video, attorneys Gregory Dell and Alex Palamara discuss the case of an individual suffering from venous insufficiency. Our client worked as a Customer Service Employee. Principal denied the claim after conducting their own medical review. After preparing and submitting an appeal package, the Principal reversed the decision to deny the claim and approved long-term disability benefits.

https://youtu.be/In42u0Nb7Gg

Why Must Your Appeal Contain Strong Occupational Evidence?

In most Principal disability denials, Principal 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. Principal’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 Principal 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 Principal disability policy. In most Principal 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 Principal 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 Principal Determine The Duties of an Occupation?

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

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

In many denial letters, Principal 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.

Principal Appeal Success Story

In another case, the Principal denied the claim of an Employment Litigation Attorney who became disabled due to a neck disorder and neck pain. In our video below, attorneys Gregory Dell and Cesar Gavidia discuss how after putting together a strong appeal package Principal reversed the decision to deny the claim and approved disability benefits.

How Courts Review Principal Disability Appeals

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

What Does A Reasonable Review Mean Under ERISA For A Principal Appeal?

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


Why Drafting A Strategic Principal Disability Appeal Is Crucial 

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

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

Let’s Discuss Your Principal 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 Principal. Don’t let Principal 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 Principal 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 Principal Appeal Package

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

Learn more

Sue Principal

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

Learn more

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

Learn more

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

Learn more

Negotiate a Principal Lump-Sum Settlement

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

Learn more

Principal Reviews
(16)

Policy Holder Rating

1.6 out of 5
Read 16 reviews
0%would recommend
5
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4
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3
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2
56%
1
43%
Timely Payments
2.3out of 5
Handling Claim
1.8out of 5
Customer Service
1.8out of 5
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2.0out of 5
Showing 8 of 16 Reviews
Principal

Sorry, Principal. My residual and renewal commissions aren't "earned"

Reviewed by Ron on August 24th 2020   Verified Policyholder
(CAPS are added by me for emphasis:) I am a self-employed insurance broker working only on commissions. I was disabled due to surgeries and received some income replacemen... read more >
Reply
Sent on August 24th 2020 by Attorney Rachel Alters

Ron: You certainly can challenge Principal’s interpretation of the various provisions at issue through an appeal, if you have not already.

Principal

Principal will do anything not to pay

Reviewed by George on October 7th 2018   Verified Policyholder
Hello, I’m writing this on behalf of my wife. Her vision has degraded to the point that she no longer is able to see a pc screen without extreme headaches within a few m... read more >
Reply
Sent on October 7th 2018 by Attorney Gregory Dell

George, it sounds like your wife is a victim to the very common 24-month denial. It is unfortunate that Principal will not accept the opinions of the numerous doctors w... read more >

Principal

Principal is absolutely ridiculous. I'm in financial harship after not receibing my full pay from work and exhausting my long term sick

Reviewed by Michelle P. on December 19th 2017   Verified Policyholder
I was placed on medical leave after suffering from vertigo and later diagnosed with Meniere’s Disease. I was put on medication. During these episodes of vertigo, I was n... read more >
Reply
Sent on December 19th 2017 by Attorney Stephen Jessup

Michelle, will your ENT complete the applicable Attending Physician’s Statement? The APS will allow the doctor to place all restrictions and limitations he/she is imp... read more >

Principal

Principal owes me 60k

Reviewed by Daniel S. on March 15th 2017   Verified Policyholder
I had a lawyer for my long term disability claim but they wouldn’t sue them for me because the company I worked for sent them a letter saying I didn’t work but 3 hrs a... read more >
Reply
Sent on March 15th 2017 by Attorney Stephen Jessup

Daniel, we would need to see copies off your denial letters and your policy to determine how we may be able to assist you.

Principal

I lost everything when Principal terminated my benefits without calling or emailing me

Reviewed by Ray T. on September 22nd 2016   Verified Policyholder
I went on short term disability August 1st of 2013 I had to get my left thumb total reconstructed. After 6 months of short-term I went on long-term. My company told me I h... read more >
Reply
Sent on September 22nd 2016 by Attorney Stephen Jessup

Ray, have you received a formal denial letter denying the benefit? If the initial denial occurred in October 2015, there are concerns as to time expiring to file an adm... read more >

Principal

I cant but feel I am being starved out and given the runaround.

Reviewed by Christopher on June 7th 2016   Verified Policyholder
I went off of work may 29, 2015, with a blood clot in my leg. I have had vein surgeries in the past to alleviate pain and discomfort, all of which I took vacation on a Fri... read more >
Reply
Sent on June 7th 2016 by Attorney Stephen Jessup

Christopher, I am not sure the reason for the proof of good health- was this from a different department? If the claim is already in appeal review then there would be l... read more >

Principal

Principal owes me 4k

Reviewed by Louann W. on April 28th 2016   Verified Policyholder
Purchased short term disability through my employer with this group. I’ve been out of work since 2/29/16. Haven’t received the first pay. Contract is I’m supposed to... read more >
Reply
Sent on April 28th 2016 by Attorney Stephen Jessup

Louann, if they uphold the denial of your claim on appeal please feel free to contact our office to discuss what your rights/next steps are. Hopefully they will not nee... read more >

Principal

I've never worked with people that are so obviously stalling before. Bunch of crooks

Reviewed by Mike on March 2nd 2016   Verified Policyholder
I have been disabled for over 10 weeks and Principle kept saying the forms incomplete so they needed all the medical records from my doctor, including office notes. After ... read more >
Reply
Sent on March 2nd 2016 by Attorney Rachel Alters

Mike, is this a policy you purchased on your own? From what you’re saying it seems that they are investigating to determine whether or not there are grounds to rescin... read more >

Answered Questions by Our Lawyers
(25)
Showing 8 of 25 Answered Questions

Q: Can Principal deduct my social security payment from my monthly Principal disability benefit payment?

Answered on March 30th 2023 by Attorney Gregory Dell
A: Does you disability policy say social security retirement is deductible? If it does then they are allowed to d... Read More >

Q: Why did Principal not back me when Social Security did?

Answered on August 21st 2020 by Attorney Alex Palamara
A: Durron, I am sorry to hear that your LTD claim was denied. While there are different standards for approving L... Read More >

Q: What is the difference between time period of the claim while approved and the time period of the claim while denied?

Answered on August 14th 2020 by Attorney Alex Palamara
A: Mark, please gather all the correspondence concerning your claim and please contact us for a free consultation... Read More >

Q: Will Principal harass me if I don't accept their buyout? And, is it standard for a buyout to be lower than the full benefit paid over time?

Answered on July 17th 2018 by Attorney Stephen Jessup
A: Jan, I have not experienced retaliatory actions form Principal for refusing a buyout offer. As to your second ... Read More >

Q: Can Principal's independent physician determine what I can and cannot do?

Answered on April 30th 2019 by Attorney Cesar Gavidia
A: APC, it is difficult to know what they courts would do or how they would weigh the opinion of Principal’s co... Read More >

Q: Do I have to pay Principal back once I receive back pay from SSA?

Answered on October 5th 2017 by Attorney Stephen Jessup
A: Toni, if your policy was an employer provided policy then almost certainly the policy would contain language t... Read More >

Q: Can Principal take away my deceased husband's 3 month survivor benefit? They justified it saying he was eligible for SSDI when he didn't even apply.

Answered on June 1st 2017 by Attorney Stephen Jessup
A: Michele, I am sorry to hear of your loss. We would need to see a copy of the disability policy to determine an... Read More >
Helpful Videos
(896)
Showing 12 of 896 Videos
Disability Benefit Tips
(331)
Showing 8 of 331 Benefit Tips

Principal Disability Benefit Denial Options

If you've recently received a disability insurance denial letter from Principal Disability or are worried that your claim for long term disabi... Read More >

Stephen Jessup and Gregory Dell discuss their experience in handling claims with Principal Financial

Principal Financial is one of the more interesting disability insurance companies to deal wit... Read More >

Why Must Your Disability Insurance Lawyer Understand Your Disabling Condition?

When it comes to securing your long term disability benefits, it's vitally important that you... 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
(375)
Showing 8 of 375 Dell Disability Cases

After Principal Denies Continued Disability Benefits, Attorney Alexander Palamara Gets Claim Reinstated for a Vienna Beef Employee

Our new client was a dedicate employee of Vienna Beef who worked as a Customer Service Representative (a sedentary occupation) since August 20... Read More >

Principal reinstates benefits of Orthopedic Surgeon unable to work full-time after Attorney Rachel Alters submits Appeal

Dr. S is 47-year-old left hand dominant Orthopedic Surgeon who was forced to stop working full-time effective May 2, 2016, due to progressivel... Read More >

Dell Disability Lawyers Successfully Appeals Denial Of Benefits To Claimant With Trigeminal Neuralgia

Ms. R contacted our firm after her claim for Long Term Disability (“LTD”) benefits was denied by Principal Life Insurance Company.Befo... Read More >

Administrative Appeal by Dell Disability Lawyers forces Principal to Reinstate ERISA Long Term Disability Claim of Former Healthways, Inc. Employee

After being forced to stop working in 2007 due to various disabling conditions, an employee of Healthways, Inc., who was employed as a Member ... Read More >

Principal Approves Long Term Disability Benefits for Surgeon

Our client was a highly successful Podiatric Surgeon who was suffering from severe neck pain due to two crushed cervical facet joints with res... Read More >

Seven Surgeries and The Standard Still Denies Long Term Disability Benefits

Our client was employed with the State of Oregon as a Technical Support Representative. She s... 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 ma... Read More >
Disability Lawsuit Stories
(765)
Showing 8 of 765 Lawsuit Stories

Court Orders Principal Life to Pay Long-Term Disability Benefits to Plaintiff

In Craig Robertson v. Principal Life Insurance Company, Plaintiff, a National Account Sales Manager with XPO Logistics in Phoenix, A... Read More >

Court Orders Principal Life to Reinstate Long Term Disability Benefits

Flaaen v. Principal Life Insurance Company, is a win for the claimant who suffered a severe back injury in August 2005 in his job as a truck d... Read More >

Principal Life Disability Denial of Truck Driver Reversed by Washington Federal Judge

This is an interesting long term disability benefit case that was litigated in the Washington... Read More >

Court Upholds Principal Life's Denial of Extended Disability Benefits

In Peterson v. Principal Financial Group, plaintiff injured her back in a car accident and subsequently underwent a spinal fusion. She was awa... Read More >

Court Agrees: Principal Life Correctly Terminated Disability Benefits

In Winkler v. Principal Life Insurance Company, Thomas Winkler, a financial planner, collected 24 months of disability benefits when he was un... Read More >

Federal Court Orders Principal Life Insurance Company to Pay Disability Benefits

In Zorn v. Principal Life Insurance Company, the plaintiff, a member of the National Association of Professional Insurance Agents, obtained in... Read More >

Objective versus Subjective: Evidence Requirements in ERISA Disability Lawsuits

It is common when dealing with claims for short and long term disability benefits to have the disability insurance company request "objective ... Read More >

Principal Life denies disability benefits to a physician and then seeks attorney fees after physician's disability denial is affirmed by Texas Judge

Dr. Bruce Leipzig had been denied long-term disability benefits by Principal Life Insurance Company, and brought his ERISA case before the Dis... Read More >

Reviews from Our Clients

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5 Ways We Help Get Your Benefits Paid

Get Your Disability Application Approved

Our goal is to get your application for disability income benefits approved. Applying for disability benefits can be a difficult process and the information you provide is critical. Most disability insurance companies look at your application in hopes of finding a reason to deny your claim. Your disability company will ask you to complete numerous forms, interview you, request lots of information, speak with your doctors and possibly request to have you examined by their "hired gun" doctor.

Through our experience of having helped thousands of disability insurance claimants, our lawyers will guide you through the entire application process and give you the best chance to get your disability claim approved the first time.

Submit A Strong Appeal Package

If your disability insurance benefits have been wrongfully denied, then our lawyers know exactly what it takes to get your disability claim approved. You only get once chance to submit an Appeal, therefore every piece of evidence that will support your disability claim must be included. The goal is to win your disability benefits at the Appeal level, but while preparing your Appeal you must consider how a federal judge will review your disability claim if your benefit denial is upheld.

Preparing a strong disability appeal package is an art that requires you to understand how the courts interpret your disability policy language, ERISA regulations / laws, and how to strategically present evidence in support of your definition of "disability". We encourage you to contact any of our lawyers for a free immediate review of your disability denial.

Sue Your Disability Company

98% of the disability insurance lawsuits filed by our law firm have resulted in either the payment of benefits or a lump-sum settlement agreement. Our disability lawyers have filed ERISA governed and private policy long term disability insurance lawsuits against every major disability insurance company in state and federal courts nationwide and we love fighting for the "little guy" against the multi-billion dollar insurance company giants.

We have recovered hundreds of millions of dollars for our clients and we would like the opportunity to provide you with a free review of your disability benefit denial. There are many complex factors in a disability benefit lawsuit and the legal battle to win long term disability benefits can be fierce.

Prevent A Disability Benefit Denial

Approval of long-term disability is a continuous process as every disability insurance company will evaluate your eligibility for benefits on a monthly basis. You can never let your guard down and assume that your disability company will continue to pay your benefits for as long as you think you need them.

Our law firm offers a reasonable flat fee monthly claim handling service in which we handle every aspect of your long-term disability claim and do whatever it takes to make sure you are paid every month.

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.