A stroke can result in a disability insurance claim. How can disability insurance attorneys Dell & Schaefer assist you with a stroke disability claim?

A stroke disability claim is something that is unfortunately common. As disability attorneys, we have represented numerous short and long term disability claimants that have been unable to work as a result of a stroke. It is the residual effects of a stroke that makes it difficult for most people to return to work and leads to the filing of a disability benefit claim. Often people who experience a stroke will have a permanent cognitive impairment.

The disability carriers will often argue that a claimant’s cognitive impairment is not disabling and is not medically supported. Disability companies will often challenge a stroke disability claim by obtaining video surveillance of a stroke disability claimant that appears to be engaging in normal daily activities such as grocery shopping or eating at a restaurant. These types of normal daily activities does not mean that a person that has suffered a stroke has the ability to return to work and commit to a 40 hour work week. You do not need to be bedridden in order to collect disability insurance benefits. Our disability insurance lawyer help clients on a daily basis to obtain and protect their disability insurance benefits.

stroke disability insurance claim

Disability Attorneys Dell & Schaefer have an expansive understanding of the significant restrictions and limitations that a person suffering from a stroke must live with on a daily basis. We have worked closely with top physicians in order to sufficiently satisfy a disability carrier’s threshold of evidence necessary to prove that a client is disabled by suffering a stroke. In order to win your claim you need to understand how the disability insurance companies think and be able to provide them with the required information. Through our years of experience we know exactly what needs to be submitted in order to make a stroke disability claim as strong as possible.

Not everyone suffering from a stroke qualifies for either short or long-term disability benefits, therefore the medical records of each claimaint must be reviewed to determine the level of restrictions. We welcome the opportunity to discuss your disability benefit claim. You can contact us for a free initial consultation.


There are many valuable sources of stroke information available. You can also access resources over the internet such as:

There are numerous charities dedicated to stroke research, detection and treatment including:

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
Showing 8 of 642 Reviews

Sent 122 pages of paperwork, but MetLife still need more info

Reviewed by Jesse E. on February 3rd 2020   Verified Policyholder
Had a stroke Jan 6, 2019. 1 year ago. Still fighting with met Life. They will pay, but need this and that and then start all over that this is missing and I will tell them... read more >
Sent on February 3rd 2020 by Attorney Rachel Alters

Jesse, if you need assistance with your disability claim please contact our office and ask for Rachel Alters. 888 729 3355

New York Life

New York Life says I am well and able to work. I wish my brain and body got their memo.

Reviewed by Lani. A on March 14th 2017   Verified Policyholder
I have been denied long term disability from New York Life. I had a stroke in nov 2013… I have had more tests, procedures, and one profession of Dr. saying that its a ce... read more >
Sent on March 14th 2017 by Attorney Stephen Jessup

Lani, have you appealed the denial of benefits? Please contact our office to discuss your appeal and the rights available. Despite New York Life terminating your claim ... read more >

New York Life

New York Life denied my claim because they thought there wasn't enough evidence. I haven't had a life in months

Reviewed by Jill on September 25th 2016   Verified Policyholder
I work for Honeywell Aerospace with the engineering department. On the morning of 8/1/16 I was at work when I began to have some issues and was rushed by ambulance to the ... read more >
Sent on September 25th 2016 by Attorney Stephen Jessup

Jill, please feel free to contact our office to discuss the denial and your pending appeal.

Lincoln Financial

My husband's STD claim is close to switching over to LTD. We want to know more about the process, but Lincoln Financial won't provide any information.

Reviewed by Jeannie on February 26th 2016   Verified Policyholder
My husband had a stroke in Jan 2016 and suffered paralysis and weakness on the left side and lost half of his field of vision in each eye. This means he will never be able... read more >
Sent on February 26th 2016 by Attorney Stephen Jessup

Jeannie, it is the responsibility of the employer to provide a complete copy of the policy, so a written request for same is best. With respect to SSDI and DSSDI source... read more >

Mutual of Omaha

I want to sure MOO for the stress they've caused me

Reviewed by FLH. on August 6th 2012   Verified Policyholder
I was diganosed with a stroke on 5/03/2012 and was hospitilized, then put in rehabilitation to learn how to walk and adapt. I was then sent to outpatient OT and PT until m... read more >
Sent on August 6th 2012 by Attorney Gregory Dell

FLH, Please contact us privately and we will try to do whatever we can to assist you.

Reliance Standard

Despite my various medical conditions, I've only received partial benefits from Reliance Standard and am on the verge of another denial.

Reviewed by Ana on June 15th 2012   Verified Policyholder
I’m so tired of dealing with these people since 2007. I had a back surgery, stroke, paralyzed – thank God I managed to recover. Then in 2010 I was sick again due to a ... read more >
Sent on June 15th 2012 by Attorney Gregory Dell

Ana, it sounds like you have a lot of things going with your medical condition and trying to deal with Reliance Standard. Call us and we will discuss what we can do to ... read more >

Reliance Standard

Reliance Standard witheld payments from us due to their own miscalculations

Reviewed by Laura on September 26th 2011   Verified Policyholder
My husband has partial disability due to his stroke. He can work, thankfully, but now has limitations that he didn’t have before. We started receiving benefits on time a... read more >

UNUM is trying to intimidate and strong arm me

Reviewed by Debra on March 29th 2011   Verified Policyholder
It appears that UNUM is trying to intimidate me or strong ARM me. They closed my case because I didn’t give them the information they requested. My reason being I felt t... read more >
Sent on March 29th 2011 by Attorney Gregory Dell

Debra, most ERISA governed policies have an offset for an award of SSDI payments. Most claimants do not realize that they may be required to pay back the SSDI benefits ... read more >

Answered Questions by Our Lawyers
Showing 7 of 7 Answered Questions

Q: Will Reliance Standard reduce my LTD payments due to my pension benefits or rental income?

Answered on November 3rd 2022 by Attorney Alex Palamara
A: ARH, I am happy to hear of your LTD approval, though I am sorry to hear of your medical conditions. The LTD po... Read More >

Q: What can I do to stop Aetna from harassing me and realize that not all disabilities are the same?

Answered on May 3rd 2017 by Attorney Stephen Jessup
A: SO, it certainly sounds the Aetna is setting your claim up for a denial. Please feel free to contact your offi... Read More >

Q: Does Guardian not have to pay long term diss if I receives social security diss?

Answered on March 8th 2016 by Attorney Stephen Jessup
A: Mike, please feel free to contact our office to discuss. The carrier may be reducing the monthly benefit due t... Read More >

Q: How does Reliance Standard classify a stroke?

Answered on March 17th 2015 by Attorney Stephen Jessup
A: Vicki, I would be hard pressed to see how they could determine it was an injury short of blunt force trauma so... Read More >

Q: Unum denied me on basis of preexisting condition and also didn't pay me for 2 years. Can I sue?

Answered on June 11th 2014 by Attorney Alex Palamara
A: Ronald, It sounds as if Unum is alleging you have a pre-existing condition precluding you from coverage under ... Read More >

Q: How will my social security benefits from retirement affect my LTD with Lincoln Financial?

Answered on May 13th 2014 by Attorney Stephen Jessup
A: Mose, under most long term disability policies your Social Security Retirement benefits would offset your mont... Read More >

Q: Should I be entitled to more money from my survivor benefits through Reliance Standard?

Answered on March 28th 2014 by Attorney Stephen Jessup
A: Deb, first and foremost, I am sorry for your loss. If SSA pays a survivor benefit then Reliance may be able to... Read More >
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Showing 8 of 375 Dell Disability Cases

Lincoln National LTD Denial for Pre-Existing Condition Reversed on Appeal

On December 8th of 2020, a new employee at ServerCentral, now known as Deft, a well-known IT ... Read More >

Aetna Overturns Denial of Long Term Disability Benefits for Quality Control Manager

Our client, Mr. J, formerly worked as a Quality Control Manager for a large home furnishings store. For many years Mr. J suffered from the deb... Read More >

Liberty Mutual Approves Disability Benefits to Senior Vice President

Our client, a former Senior Vice President for a large national corporation, filed for disability after having suffered a massive stroke durin... Read More >

Reliance Standard overturned LTD denial for Tennessee Technology Sales Consultant

Our client, Mr. L, formerly worked as a Sales Consultant for a global technology company. In September 2014 a number of medical issues followi... Read More >

Symetra Reinstates LTD Benefits for Former Vice President of Grady Management, Inc. who suffered from multiple Strokes

Prior to becoming disabled, our client had worked at Grady Management, Inc., a well-respected full service real estate firm in Maryland, since... Read More >

Cigna Overturns Denial of Long Term Disability Benefits

Our client, a former inventory control specialist for Johns Hopkins University, suffered a devastating stroke that ultimately left her wheelch... Read More >

Dell Disability Lawyers file Lawsuit in Federal Court against Aetna after it denied long-term disability benefits to former software Developer

In 2011, while working as a software developer for a different company, Charles suffered a cerebral vascular attack (CVA). Despite suffering a... Read More >
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Court Holds Plaintiff's State Claims Preempted by ERISA and Dismissed Complaint

In Lowe v. Lincoln Nat'l Life Ins. Co., Plaintiff suffered a stroke in May 2016 while working for Diversicare Healthcare Services, Inc. Divers... Read More >

District Court Ordered to Evaluate Unum's Pre-Existing Condition Claim

In Wayne Torpy v. Unum Life Insurance Company of America, both Unum and Plaintiff Torpy appealed a ruling of the New Mexico District Court. Al... Read More >

CIGNA denies disability benefits yet social security disability benefits are approved

Lily Rubinstein filed suit against CIGNA Life Insurance Company of New York, Griffon Corporation Long Term Disability Plan, and Griffon Corpor... 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... Read More >

Unum Wrongfully Terminated Disabled Lawyer’s Disability Claim of Depression and Anxiety Despite Improvement in His Condition

This Unum lawsuit and appeal in federal court is a great victory for all Unum disability claimants. This ca... Read More >

Federal Court Overturns Aetna Denial Of Disability Benefits

In the recent case of Ferrin v. Aetna Life Ins. Co. a federal judge from the Northern District of Illinois determined that Aetna improperly te... Read More >

Court Finds Irregularities in Procter & Gamble Long Term Disability Benefit Denial

In ERISA cases filed in a district court asking for judicial review of a plan administrator's denial of benefits, the court is generally limit... Read More >

Federal Judge Makes Companion Life Insurance Pay Long Term Disability Benefits

Companion Life tried to play games and deny long term disability benefits, but thankfully a New Mexico Federal Judge made them pay disability ... 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.