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  • How We Help
    Our Lawyers Get Your Long-Term Disability Benefits Paid

    98% percent of our clients collect disability insurance benefits. We have helped thousands of disability insurance claimants throughout the USA to collect hundreds of millions of dollars of disability insurance benefits. Thank you for considering our law firm to help you.

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    Submit A Strong Appeal Package
    We work with you, your doctors, and other experts to submit a very strong appeal
    Sue Your Disability Company
    We have filed thousands of disability insurance lawsuits in federal Courts nationwide against every major disability insurance company.
    Protect Your Benefits
    Get Your Disability Application Approved
    We help claimants throughout the entire application process
    Prevent A Disability Benefit Denial
    We manage every aspect of your disability claim following benefits approval
    Negotiate a Lump-Sum Settlement
    Our goal is to negotiate the highest possible buyout of your long-term disability policy
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    We help you apply for long term care benefits, manage your claim on a monthly basis, and handle denials
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    We help families & beneficiaries to collect life insurance death benefits as result of the loss of a loved one or life insurance policy holder
  • Your Disability Company
    Learn How Your Disability Company Acts and Thinks

    You can greatly increase your chances of long term disability insurance benefit approval by learning all about the claim handling tactics of your disability insurance company.

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    Select your disability company below:
    Aetna
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  • Your Disabling  Condition
    Discover How Your Disabling Condition Should be Presented to Your Disability Company

    Disability insurance companies always argue that diagnosis does not equal disability. Proving that your medical condition is disabling is the most challenging aspect of any long term disability insurance claim.

    View All Disabling Medical Conditions

    Select your disabling condition below:
    Anxiety / Depression
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    Macular Edema
    Meniere's Disease
    Multiple Sclerosis
    Neck / Cervical Disorders
    Osteoarthritis
    Parkinson's Disease
    Peripheral Neuropathy
    Psychosis
    PTSD
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    RSD
    Non-Epileptic Seizures
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    Sleep Apnea
    Speech Disorders
    Stroke
    Substance Abuse Disorder
    Syncope
    Vestibular Dysfunction
  • Your Occupation
    Explore How Disability Companies Evaluate Your Occupation

    Disability insurance companies are notorious for minimizing your occupational duties. This technique is used as a tool to prove that you can perform duties which differ from the job you actually performed while working.

    View All Occupations

    Select your occupation at the time you became disabled:
    Accountant & AICPA
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  • Resources to Help You Win
    Knowledge is Power. Learn Everything About Disability Insurance Claims

    We hope you enjoy these great resources and we invite you to ask our disability insurance lawyer any questions or to leave a review about your experience with your disability insurance company

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    Select from these categories to learn more:
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    Ask or search questions answered by our disability insurance attorneys
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    Review disability denial lawsuit decisions from courts nationwide
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    Helpful tips to get your disability insurance benefits paid and prevent denial
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    Watch or search hundreds of disability insurance claim videos. New videos weekly!
  • Ask Our Lawyers
  • About Us
    Experienced, Reliable, Compassionate

    Established in 1979, we are a national disability insurance law firm that helps individuals collect disability insurance benefits. We have helped thousands of claimants throughout the USA collect over $800 million in disability benefits and we know exactly what it takes to get your benefits paid. We welcome you to contact us for a free phone consultation with one of our disability insurance lawyers.

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Standard Disability Help
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Reviews (25)
Questions (28)
Videos (910)
Resources (1,471)
Disability Benefit Tips (331)
Disability Lawsuit Stories (765)
Dell Disability Cases (375)
Your Disability CompanyStandardVideos

Network Engineer with Neck Disorder Wins a Standard Long Term Disability Benefit Appeal


Related: Standard | Standard Appeal | Neck Pain | Engineer | Cesar Gavidia
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Disability Benefit Denial Options
Submit a Strong Standard Appeal Package

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

Submit a Standard disability appeal

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

Sue Standard disability

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We help claimants throughout the entire application process.

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

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

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Standard Reviews
(25)

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1.6 out of 5
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0%would recommend
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5
0%
4
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3
0%
2
60%
1
40%
Timely Payments
1.9out of 5
Handling Claim
1.8out of 5
Customer Service
2.0out of 5
Dependable
1.9out of 5
Value
2.0out of 5
Showing 8 of 25 Reviews
Standard

Standard insurance just dropped me with no communication with me.

Reviewed by D Larson on October 4th 2023   Verified Policyholder | June 2019 date of disability
I was put on Standard insurance by my employer in 2019. I was told by them when I was first on disability that I would be on this for the rest of my life. After 2 years of... read more >
Reply
Sent on October 4th 2023 by Attorney Gregory Dell

I am sorry to hear about your experience. Do you currently have a denial letter from them that you can email to me?

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Standard

Standard is one of, if not the worse, company in the industry now

Reviewed by Anonymous Erisa Victim on December 5th 2019   Verified Policyholder
The Standard changed after the company was acquired by Japanese based Meiji Yasuda Life Insurance Company in 2016 and subsequently being delisted from the US stock exchang... read more >
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Standard

Standard is one of, if not the worse, company in the industry Standard hasn't approved or denied my claim in over a year. They keep promising to look at it 'next week'

Reviewed by S.B. on August 22nd 2019   Verified Policyholder
My husband is covered by a Standard STD/LTD non-ERISA plan. He has a very rare neuromuscular disorder and was hospitalized in intensive care, was off work for 6 weeks (wai... read more >
Reply
Sent on August 22nd 2019 by Attorney Jay Symonds

S.B., this sounds extremely unusual and unreasonable, I suggest you contact our office and speak with one of the attorneys to address the specific questions you have re... read more >

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Standard

I waited 5 weeks just to be told I can't receive benefits

Reviewed by Marissa on June 11th 2019   Verified Policyholder
After working overtime and stressing behind my job for the past 5 years, it resulted in me being diagnosed with retinopathy hypertension, at the age of 29, on 12/10/2018. ... read more >
Reply
Sent on June 11th 2019 by Attorney Gregory Dell

Marissa, I am sorry to hear of your diagnosis and the troubles Standard is giving you. Please contact our office at once for a free consultation. We would love to speak... read more >

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Standard

The Standard will threaten to withhold your pay until you sign every document that they send you. The worst part is when they consider back payment for SSDI benefits

Reviewed by Gena on December 10th 2017   Verified Policyholder
First of all, the worst thing that could ever happen to a hard-working person is a permanent disability. Fighting to secure payment is hard enough when you are well. Let a... read more >
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Standard

Standard's sudden denial was inexplicable

Reviewed by Linda on September 13th 2017   Verified Policyholder
I was placed on disability by my doctor with a diagnosis of Cognitive Impairment (supported by both a neurologist and a neuropsychologist) which severely affects my abilit... read more >
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Standard

Standard has keep me jumping through hoops for years

Reviewed by Donna on July 26th 2017   Verified Policyholder
I have been on LTD with The Standard since September 2011. The have had me jumping through hoops for all these years. Very rude if I call and ask a question. They say they... read more >
Reply
Sent on July 26th 2017 by Attorney Stephen Jessup

Donna, please contact our office with a copy of the denial letter so we can discuss in detail how we may be able to assist you in appealing the denial.

Related:  Standard | Submit A Strong Appeal Package
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Standard

Mental health LTD should be covered under the Mental Health Parity Act

Reviewed by Kim V. on February 10th 2017   Verified Policyholder
My company contracted with Standard for our short and long term disability policies. In Jan 2014 I was on STD, which turned into LTD with a waiting period, which was tough... read more >
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Answered Questions by Our Lawyers
(28)
Showing 8 of 28 Answered Questions

Q: Do I have to pay back LTD after receiving SSDI?

Answered on September 21st 2023 by Attorney Gregory Dell
A: Hello. In most group disability policies there is offset language which states you must pay back any LTD that ... Read More >
Related:  Standard

Q: Non-taxable benefits have become taxable.

Answered on May 31st 2023 by Attorney Gregory Dell
A: I am sorry to hear what you are going through. We have seen you exact fact pattern with tax on ssdi when you w... Read More >
Related:  Standard

Q: How do I ensure Standard makes a timely decision with regard to my claim?

Answered on December 8th 2020 by Attorney Alex Palamara
A: Matthew, we are sorry to hear that you are having difficulty with your claim. While the insurance company does... Read More >
Related:  Standard

Q: Why can my employer hold my disability check after The Standard sends it to them? Can I file a grievance with them?

Answered on September 11th 2020 by Attorney Alex Palamara
A: Lucas, it sounds like your claim for STD benefits is under a policy that is self-funded by your employer. Thus... Read More >
Related:  Standard

Q: Should I contact you before submitting my application for a private disability benefit?

Answered on July 10th 2020 by Attorney Steven Dell
A: It is in your best interest to contact us as early as possible if you think you are going to need to file a lo... Read More >
Related:  Standard | Dentist | Get Your Disability Application Approved

Q: Is there any case law in which a state government employee LTD plan decided to drop the 24 month mental health limitation? Has there been any success against a state government and Standard using ADA Title I (employee) and 3 (insurance company) from a discrimination basis?

Answered on May 10th 2018 by Attorney Alex Palamara
A: Marie, thank you for your compliments on our website. We strive very hard to get as much information out there... Read More >
Related:  Standard

Q: How can Standard deny my claim and expect me to work when I am disabled?

Answered on March 30th 2018 by Attorney Rachel Alters
A: Debbie, unfortunately this situation occurs often as there are two different departments reviewing your claim ... Read More >
Related:  Standard | Back Disorders

Q: I'm waiting to hear back about my appeal. Should I hire an attorney?

Answered on December 1st 2017 by Attorney Stephen Jessup
A: Pam, if an appeal has already been submitted there may be very little an attorney could do at this point until... Read More >
Related:  Standard | Submit A Strong Appeal Package
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Helpful Videos
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Showing 12 of 910 Videos
Denied Disability by The Standard?

Denied Disability by The Standard?

We have reviewed thousands of Standard disability denials and in this video long term disa...

Related:  Standard | Stephen Jessup
The Standard Disability Reviews - Good or Bad?

The Standard Disability Reviews - Good or Bad?

The Standard has a long history of handling long term disability insurance claims. In this...

Related:  Standard | Cesar Gavidia
The Standard Long Term Disability Denial and Appeal Tips

The Standard Long Term Disability Denial and Appeal Tips

The Standard disability denials are not uncommon. Disability attorneys Cesar Gavidia and G...

Related:  Standard | Standard Appeal | Cesar Gavidia
Seven Surgeries and The Standard Still Denies Long Term Disabili...

Seven Surgeries and The Standard Still Denies Long Term Disabili...

This was a shocking denial by The Standard. Our client, a technical support representative...

Related:  Standard | Standard Appeal | Oregon | Cesar Gavidia
The Standard Disability Denial Help (Long Term Disability Attorn...

The Standard Disability Denial Help (Long Term Disability Attorn...

You need to take immediate action if you have been denied long term disability benefits by...

Related:  Standard | Cesar Gavidia
The Standard, Ameritas and Sun Life Agree to Pay Residual Disabi...

The Standard, Ameritas and Sun Life Agree to Pay Residual Disabi...

Applying for long term disability benefits is a process that must have a strategic plan. W...

Related:  Standard | Surgeon | Submit A Strong Appeal Package | Rachel Alters
Network Engineer with Neck Disorder Wins a Standard Long Term Di...

Network Engineer with Neck Disorder Wins a Standard Long Term Di...

In this video we discuss a successful long term disability appeal victory on behalf of a U...

Related:  Standard | Standard Appeal | Neck Pain | Engineer | Cesar Gavidia
After Paying IT Professional for 5 Years The Standard Disability...

After Paying IT Professional for 5 Years The Standard Disability...

The Standard paid an IT Manager with bi-polar for five years and then denied long term dis...

Related:  Standard | Standard Appeal | Bipolar Disorder | IT Professional | Stephen Jessup
Hitachi Software Engineer With Cognitive Issues Wins Two Standar...

Hitachi Software Engineer With Cognitive Issues Wins Two Standar...

How does The Standard expect a software engineer with chronic pain and cognitive issues to...

Related:  Standard | Standard Appeal | Chronic Pain | Software Developer | Alex Palamara
How to Prevent Standard Insurance Company from Denying Disabilit...

How to Prevent Standard Insurance Company from Denying Disabilit...

When you finally receive a letter from Standard Insurance Company informing you that your ...

Related:  Standard | Prevent A Disability Benefit Denial | Stephen Jessup | Gregory Dell
Applying for Standard Disability Benefits? Top 5 Claim Denial Re...

Applying for Standard Disability Benefits? Top 5 Claim Denial Re...

Attorneys Gregory Dell and Stephen Jessup discuss how to apply for Standard disability inc...

Related:  Standard | Get Your Disability Application Approved | Gregory Dell | Stephen Jessup
Denied LTD Benefits by The Standard? Lawyer Tips to Win an ERISA...

Denied LTD Benefits by The Standard? Lawyer Tips to Win an ERISA...

Attorneys Gregory Dell and Stephen Jessup discuss how to file a long term disability (LTD)...

Related:  Standard | Standard Appeal | Gregory Dell | Stephen Jessup
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Disability Benefit Tips
(331)
Showing 8 of 331 Benefit Tips

Applying for Standard Disability Benefits? Top 5 Claim Denial Reasons

At Dell & Schaefer, we've helped hundreds of clients recover long term disability benefits from Standard Disability.What should you know about getting your Standard Disability long term disability claim approved?Understanding the Language in Your Standard Disability Policy Is EssentialGetting your long term disability claim approved on the front ... Read More >
Related:  Standard | Stephen Jessup

How to Prevent Standard Insurance Company from Denying Disability Benefits

If you have an individual or group long term disability policy with Standard, you may assume that accessing these disability insurance benefits will be as easy as filling out the claim form and providing a release for your medical records. But regardless of which insurance carrier holds your policy, the disability process is rarely so simple. The below tips and ... Read More >
Related:  Standard | Gregory Dell

Can My Insurance Company Terminate My Disability Benefits After 24 Months if My Mental Nervous Disorder Contributes to But is Not The Sole Cause of My Disability?

The "But For Test"In the case of George v. Reliance Standard Life Insurance Company, The district court held that RSL did not abuse its discretion when it determined that a mental disorder contributed to George's Total Disability. On appeal, George argued that there was no evidence in the record to show that, absent his mental nervous conditions, he was able to earn close to the same amount in another occu... Read More >
Related:  Standard | Rachel Alters

Dentist and doctors: beware of the Standard Insurance Company Group's long-term disability policy

The Standard Insurance Company sells multiple different long-term disability policies to dentist and other medical professionals. The difference in each policy is usually the definition of disability. In my opinion, the following definition of Own Occupation Disability sold by Standard is called an Own Occupation definition, but it is not a true Own Occupation policy. The following definition of Own Occupation... Read More >
Related:  Standard | Dentist | Doctor | Gregory Dell

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 >
Related:  Gregory Dell

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 >
Related:  Gregory Dell

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 >
Related:  Gregory Dell
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Dell Disability Cases
(375)
Showing 8 of 375 Dell Disability Cases

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 >
Related:  Standard | Back Disorders | Submit A Strong Appeal Package | Cesar Gavidia

After Two Appeals The Standard Insurance Approves Short & Long Term Disability Benefits for Nurse

Prior to filing for disability, our client was a Registered Nurse employed as a Senior Case Manager for United Healthcare. Our client was a dedicated employee who enjoyed her work until chronic pain, frequent headaches, and resulting cognitive dysfunction forced her to stop working in July of 2018. Fortunately, her employer provided disability insurance coverage under two policies: UnitedHealth Group’s self... Read More >
Related:  Standard | Chronic Pain | Nurse | Standard Appeal | Texas | Alex Palamara

Standard Approves Disability Benefits to Attorney with Fibromyalgia

Fibromyalgia is a multifaceted illness that can affect every aspect of one’s life. While most people are aware of the debilitating pain and fatigue associated with Fibromyalgia there is a less known symptom of the condition that has as great an impact- memory problems known as “Fibro Fog.” Prior to filing a claim for disability benefits our client was a shareholding partner for a large national law firm ... Read More >
Related:  Standard | Fibromyalgia | Standard Appeal | Florida | Stephen Jessup

Standard overturns decision to deny disabled Project Manager long-term disability insurance benefits after first Appeal

Terry had worked as a project manager for a large national health group earning over $85,000 annually, until type 2 diabetes left him disabled and suffering from peripheral diabetic neuropathy, severe chronic pain, fatigue and depression.In addition to health insurance and other employee benefits his employer provided long-term disability insurance through Standard Insurance Company, based out of Portland,... Read More >
Related:  Standard | Diabetes | Standard Appeal | California | Cesar Gavidia

Another long term disability claim is reinstated after Disability Attorney Alexander Palamara successfully argues The Standard mishandled preexisting condition investigation

Insurance companies often deny benefits based on an inability to complete a preexisting condition investigation without any consideration to the merits of the disability claim. Unfortunately, an insurance company’s inability to complete a preexisting investigation is often due to its own mismanagement of the claim file and lack of due diligence.Prior to becoming disabled, our client worked as a Police Of... Read More >
Related:  Standard | Back Disorders | Neck Pain | Law Enforcement Officer | Standard Appeal | Alex Palamara

Standard Overturns Denial of Benefits to Shareholder of Major Law Firm

When Mr. L contacted us he had recently left a major law firm where he had been working for 27 years. Mr. L, a commercial finance and real estate transaction attorney, was forced to stop working due to debilitating symptoms from several medical conditions. He had been suffering from these conditions for several years but his symptoms had gradually worsened over time and eventually reached the point where he wa... Read More >
Related:  Standard | Headaches & Migraines | Vestibular Dysfunction | Standard Appeal | Gregory Dell

Disability Attorney Alex Palamara wins LTD Benefits for Police Officer Denied by Standard

Disability insurance companies are always trying to deny disability claims based upon a pre-existing condition.In this claim our client was a police officer in Washington DC and the Standard insurance company denied his long term disability benefits. In this claim we were able to get the Standard disability denial reversed at the ERISA appeal level.In th... Read More >
Related:  Standard | Law Enforcement Officer | Standard Appeal | Alex Palamara

Standard Overturns Denial of Disability Insurance Benefits

Prior to contacting our office our client had been on disability with Standard due to Ulcerative Colitis and several other serious gastrointestinal conditions for the prior 36 months as Standard had determined she would not be able to perform the material and substantial duties of her prior occupation as an Office Manager. However, with the change in definition to the much maligned “any occupation” standar... Read More >
Related:  Standard | Gastrointestinal Disorders | Standard Appeal | Stephen Jessup
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Disability Lawsuit Stories
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Showing 8 of 765 Lawsuit Stories

Can Standard Insurance Company’s Failure to Raise an Issue be Considered a Waiver?

The case of Jose Chavez v. Standard Insurance Company has quite a history with the United States District Court for the Northern District of Texas, Dallas Division. It began in September 2016 when Standard first began paying long-term disability benefits to Chavez. He had several operations on his wrist and was no longer able to perform the duties of his own occupation.Standard terminated his ben... Read More >
Related:  Standard | Rheumatoid Arthritis | Texas | Sue Your Disability Insurance Company | Rachel Alters

California Federal Judge Orders Standard Insurance Company to Pay Disability Benefits to Teacher with Lyme Disease

In Tisha Entz v. Standard Insurance Company, Plaintiff Entz was a classroom teacher in Victorville, California from 1997 until she became too ill to work following the end of the 2014-2015 school year on June 10, 2015. She applied for her disability insurance benefit provided by her employer. She alleged in her claim for disability insurance benefits that her first day off work should be August ... Read More >
Related:  Standard | Lyme Disease | Sue Your Disability Insurance Company | California | Gregory Dell

The Standard's Denial of LTD Benefits for Financial Planner Upheld by Ohio Court

The Plaintiff in Daniel M. Wehner v. Standard Insurance Company (Standard) was an independent financial planner who was insured under a Group Long Term Disability Insurance Policy (Plan). He obtained his policy through the Association for Independent and Franchise Professionals. The Plan was administered by the Standard Insurance Company.The Plan provided short-term disability (STD) ben... Read More >
Related:  Standard | Back Disorders | Shoulder Disorders | Financial Advisor & Planner | Ohio | Sue Your Disability Insurance Company | Gregory Dell

Court Upholds Standard's Termination of Long-Term Disability Benefits

In Lopez v. Standard Insurance Company, the U.S. Court of Appeals for the Eleventh Circuit upheld Standard’s termination of long-term disability benefits to Plaintiff who, according to Standard, was not disabled from performing “any occupation.”Plaintiff went to work as a sheetrock applicator for Palm Harbor Homes, Inc. in May 2003. In late September 2005, he had to leave work due to groin pain and c... Read More >
Related:  Standard | Submit A Strong Appeal Package | Florida | Gregory Dell

First Circuit Finds for Plaintiff and Awards Retroactive Mental Health Benefits

In Jane Doe v. Standard Insurance Company, plaintiff Doe spent more than 25 years as an environmental attorney for a Maine law firm prior to become ill with depression and anxiety. She filed a claim for mental health disability benefits under the law firm’s disability policy. Her claim was approved, but based on a disability date of January 2012, when she claimed the date should be October 2011. Standard als... Read More >
Related:  Standard | Depression & Anxiety | Sue Your Disability Insurance Company | Maine | Rachel Alters

Standard Insurance Wins Appellate Remand for Claimant's Own Occupation Disability Determination

Cheney v. Standard Insurance Company and Long Term Disability Insurance (Standard) is a case in which the U.S. Court of Appeals for the Seventh Circuit sent back to the Illinois District Court for resolution of several issues. One issue concerned whether or not the plaintiff was disabled from working within her own occupation.Overview of Relevant FactsIn 1991, the plaintiff, Carole Cheney, began workin... Read More >
Related:  Standard | Back Disorders | Illinois | Gregory Dell

Claimant is Ordered to Pay Attorney Fees to Standard for Failing to Exhaust Her Administrative Remedies

In Spath v. Standard Insurance Company, the plaintiff was injured at work and was initially granted disability benefits. Upon a review of the claimant's file, Standard changed its mind. On September 17, 2014, Standard sent Spath a letter telling her it had made a mistake and was immediately terminating her benefits. The letter told her she had 180 days to file an appeal and, if she did not, it would close her ... Read More >
Related:  Standard | Sue Your Disability Insurance Company | Gregory Dell

Oregon Court Orders Standard to Pay Plaintiff Prejudgment Interest

The current case of Robertson v. Standard Life Insurance Company concerns the proper calculation of prejudgment interest based on the court's previous ruling that Standard had abused its discretion in terminating plaintiff's long term disability benefits. The original order was based on Standard’s denial of benefits under the "own occupation" definition of disability under its policy. To date, Standard has m... Read More >
Related:  Standard | Back Disorders | Oregon | Gregory Dell
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Reviews from Our Clients

Keith G.

They were very professional with their responds and on time with keeping you inform about everything with your case. I would recommend My lawyer Stephen Jessup, he was on point with everything, thank you. You guys are awesome people to work with. God bless you guys.

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Keith L.

I was not able to work as a physician for about 14 months due to neck/back issues. Even though I had 3 medical doctors explicitly state that I was not to work AT ALL as a physician at that time, New York Life (NYL) Disability Insurance denied my long term disability claim (which apparently they deny a high percentage of people similar to me- only they know why they do this to so many- I have my own suspicions). I was in pain from my medical issues and so frustrated with NYL considering I had many bills coming due. I then decided to call Dell Disability Lawyers. One of their attorneys, Alex Palamara, spoke to me on the phone right then to hear and understand my story and then offer ways he could help. Long story short, within a few months of me returning back to work, he was able to persuade NYL to pay me my long term disability claim. He (and his kind assistant, Tabitha) were always very helpful, informative, and available to me. I feel quite certain that NYL would NEVER have paid me what was appropriate based on my insurance agreement/ contract with them without the help of Alex. I highly recommend him/Dell Disability Lawyers. If you find yourself in a similar situation of disability insurance denial of your own personal/group policy, especially if you are a medical provider/physician like me, then consider contacting them for advice/direction PRIOR to appealing your claim on your own.

Related:  New York Life | Alex Palamara
Kyle D.

Jay Symonds and his assistant, Sonia helped me tremendously. The insurance company that worked for my former employer did everything they could to make my life literally miserable. That all changed when I hired Jay. He and Sonia fought for my rights and forced the insurance company to pay what they should have.

If you have a disability claim hire Jay as if you go it alone the insurance company will screw you. Jay and Sonia will fight for everything you are entitled for. I couldn’t recommend them more highly.

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Frank R.

I cannot say enough positive things about my experience with Dell Disability Lawyers. Attorney Stephen Jessup and Amanda offered an opportunity to provide clarity on a complex issue regarding my disability claim. Mr. Jessup offered advice on an offset to my claim after my insurance company asked for additional information from Social Security. With counsel from Mr. Jessup, I was able to address the outstanding issue with the Social Security office and provide my insurance company with the required documentation to address their concerns. Mr. Jessup always responded in a timely manner with expert advice and offered the opportunity for follow up. I strongly recommend Dell Disability Lawyers to those seeking legal counsel for disability matters.

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Wesley D.

I have been able to help others as a soldier, a police officer, and a pharmacist. I needed help forcing the insurance company to keep their commitment to take care of me and my family. I called Dell. Alex, Tabitha, and their entire team were very compassionate, extremely patient, and extraordinarily knowledgeable. Many thanks Dell!

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Samar A.

My husband had applied for Long Term Disability and was denied. We sought out Rachel Alters at Dell Disability Lawyers to help us with our appeal. Rachel and her team were so diligent and meticulous in every aspect of the process. The process was seamless, and we never had any doubts that she would get it done and that she did! We are forever grateful to Rachel and Catherine for all of their determination and tenacity to get us the outcome we needed and deserved.

We could not recommend better representation and are indebted to them for making us whole again. Thank you so much Rachel and team!

Jam

Alex Palamara is one of The Best lawyers in the world and Dell Disability Lawyers are the Best by Far. Alex and his Assistant Tabitha helped me get the compensation I needed for a Horrific Disabling heath condition I’ve been dealing with for over a year. Alex and his team were so professional and caring. They treated me like I was there own family. Alex Knowledge, Expertise and skills as a Lawyer is among the Best of the Best in his field and I would HIGHLY recommend that if you ever have any issues with any Insurance Company over your Disability issues, please don’t hesitate to seek out Dell Disability and Alex Palamara. They truly are Amazing and caring. Thank God for them. Outstanding Job Alex and Tabitha

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G.T.

9 years ago when I had to apply for disability benefits from my private disability policy the insurance company ignored my inquiries until Dell and Schaefer represented me and I have received the benefits without interruption til my policy expired at age 65. I have appreciated not having to deal directly with the insurance company and having attorney Greg Dell and assistant Danielle Lauria handle all communications which included monthly progress reports. I thank them for their efforts on my behalf and highly recommend them to all those in need of disability benefits.

Related:  Gregory Dell
Misty A.

I’m so thankful I chose to reach out to the attorneys at Dell. They have always been quick to respond to any and all questions I have had. The anxiety I had while dealing with Lincoln Financial on my own has decreased immensely since Alex and Danielle took my case. They were able to get my LTD denial reversed and I am so very grateful!

Related:  Alex Palamara
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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 insurance 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.

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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 long-term disability attorneys for a free immediate review of your disability denial.

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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.

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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.

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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.

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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.

Our attorneys have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement in more than 98% of our cases. 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 LTD 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 900 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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