A National Disability Insurance Law Firm

Nationwide Leaders In Protecting Your Disability Insurance Benefits | Est. 1979

No Fees or Costs Unless You Collect Benefits

Disability Insurance Lawyer Services
Free Consultation with a Disability Insurance Lawyer Now:
800-698-9159Contact Us
Disability Insurance Attorney Representation Nationwide
  • 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.

    Disability Denial Options
    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
    Other Insurance Claims
    Long Term Care Benefits
    We help you apply for long term care benefits, manage your claim on a monthly basis, and handle denials
    Life Insurance Benefits
    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.

    View All Disability Companies

    Select your disability company below:
    Aetna
    AIG
    American United
    Ameritas
    Anthem
    Assurant
    Assurity Life
    AXA Equitable
    Berkshire
    Boston Mutual
    Broadspire
    Chubb
    Cigna
    Colonial
    Companion
    Davies
    Dearborn
    DMS
    Great West
    Guardian
    Hartford
    HM Life Insurance
    Illinois Mutual
    Jefferson Pilot
    Liberty Mutual
    Lincoln Financial
    Lloyd's of London
    Mass Mutual
    MetLife
    Monarch
    Mutual of Omaha
    New York Life
    Northwestern Mutual
    Ohio National
    Paul Revere
    Principal
    Provident
    Prudential
    Reassure
    Reliance
    Sedgwick
    Standard
    Sun Life
    Trustmark
    Union Central
    Unum
    Voya
  • 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
    Ataxia
    Back Disorders
    Bipolar Disorder
    Cancer
    Carpal Tunnel Syndrome
    Cerebral Atrophy
    Chronic Fatigue Syndrome
    Chronic Pain
    COPD
    Cognitive Limitations
    Covid-19
    Crohn's Disease
    Diabetes
    Ehlers-Danlos Syndrome
    Epilepsy
    Epstein-Barr Virus
    Eye Disorders
    Fibromyalgia
    Gastrointestinal Disorders
    Headaches & Migraines
    Hearing Impairment
    Heart Disease
    Hepatitis C
    HIV / AIDS
    Insomnia
    IBS
    Kidney Disease
    Knee Disorders
    Lupus
    Lyme Disease
    Macular Degeneration
    Macular Edema
    Meniere's Disease
    Multiple Sclerosis
    Neck / Cervical Disorders
    Osteoarthritis
    Parkinson's Disease
    Peripheral Neuropathy
    Psychosis
    PTSD
    Rheumatoid Arthritis
    RSD
    Non-Epileptic Seizures
    Shoulder Disorders
    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
    Airline Pilot
    Anesthesiologist
    Business Owner
    Cardiologist
    CEO, CFO & Director
    Consultant
    Dentist
    Doctor
    Emergency Room Doctor
    Engineer
    Family and Internal Medicine Doctor
    Financial Advisor & Planner
    Insurance Claim Adjuster
    IT Professional
    Law Enforcement Officer
    Manager
    NFL Player
    Nurse
    OBGYN
    Ophthalmologist
    Otolaryngologist
    Pediatrician
    Pharmacist
    Physician Assistant
    Podiatrist
    Psychologist & Psychiatrist
    Radiologist
    Real Estate Broker
    Salesperson
    Software Developer
    Surgeon
  • 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

    View All Resources

    Select from these categories to learn more:
    Disability Company Reviews
    Read reviews or write a review about your disability insurance company
    Disability Company Comparison Tool
    Select Disability Insurance Companies to Compare
    Dell Disability Cases
    Learn how we helped our clients to win long-term disability benefits
    Answered Questions
    Ask or search questions answered by our disability insurance attorneys
    Disability Lawsuit Stories
    Review disability denial lawsuit decisions from courts nationwide
    Disability Benefit Tips
    Helpful tips to get your disability insurance benefits paid and prevent denial
    Helpful Videos
    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.

    Get to Know Us
    Overview
    Our Law Firm Reviews
    Dell Disability Cases
    Our Youtube Channel
    Locations
    Contact Us
    Media
    Radio Interviews
    Publications & Lectures
    Awards & Recognition
    Community & Charity
    Our Lawyers
    Gregory Dell
    Steven Dell
    Alex Palamara
    Cesar Gavidia
    Jay Symonds
    Rachel Alters
    Stephen Jessup
Sun Life Disability Help
Denial Options
Protect Your Benefits
Reviews (42)
Questions (29)
Videos (910)
Resources (1,471)
Disability Benefit Tips (331)
Disability Lawsuit Stories (765)
Dell Disability Cases (375)
Your Disability CompanySun LifeVideos

Why Are Sun Life Disability Claims Difficult?


Related: Sun Life | Gregory Dell | Rachel Alters
Did you find this helpful?
Helpful (0)Unhelpful (0)

Resources to Help You Win Disability Benefits

Disability Benefit Denial Options
Submit a Strong Sun Life Appeal Package

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

Submit a Sun Life disability appeal

Sue Sun Life

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

Sue Sun Life

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

Sun Life disability application

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

Prevent your disability denial

Negotiate a Sun Life Lump-Sum Settlement

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

Disability insurance buyout settlement

Sun Life Reviews
(42)

Policy Holder Rating

Write a Review
1.5 out of 5
Read 42 reviews
2%would recommend
Write a Review
5
0%
4
0%
3
0%
2
50%
1
50%
Timely Payments
1.8out of 5
Handling Claim
1.9out of 5
Customer Service
1.9out of 5
Dependable
1.8out of 5
Value
1.9out of 5
Showing 8 of 42 Reviews
Sun Life

Unscrupulous Tactics

Reviewed by Misseekayy on December 19th 2023   Verified Policyholder | May 2023 date of disability
Sunlife uses unscrupulous tactics in order to prevent payment of claims. They wait until it is close to the 30 day mark and then they ask for another form of information o... read more >
Related:  Sun Life
Timely Payments
Handling Claim
Customer Service
Dependable
Value
Sun Life

What a mess

Reviewed by Unknown on September 12th 2023   Verified Policyholder | July 2020 date of disability
This place has no idea what day it even is. First they attach my claim to my previous claim in which was a new claim. They messed up and denied me then made me wait yet ag... read more >
Reply
Sent on September 12th 2023 by Attorney Gregory Dell

I am sorry to hear what you are experiencing. Make sure you deal with Sunlife writing and follow up every day. If you would like assistance please contact us.

Related:  Sun Life
Timely Payments
Handling Claim
Customer Service
Dependable
Value
Sun Life

They leave you unable to fight

Reviewed by Kara on May 1st 2023   Verified Policyholder | July 2014 date of disability
I received LTD from Sunlife since 2014 until 2021. I still tried fighting in 2022. Somewhere they changed my claim from physical to mental but nothing in my medical histor... read more >
Reply
Sent on May 1st 2023 by Attorney Gregory Dell

Kara:
Thank you for submitting a review about your experience with Sun Life. If you appealed your denial, then you may still have time to file a lawsuit to obtain... read more >

Related:  Sun Life
Timely Payments
Handling Claim
Customer Service
Dependable
Value
Sun Life

Sun Life is a real pain

Reviewed by Chris K. on May 20th 2022   Verified Policyholder
Sun Life is a real pain. I just want them to buyout my long term disability policy, but they keep playing around and around. I just to be left alone and given my lump sum ... read more >
Reply
Sent on May 20th 2022 by Attorney Rachel Alters

Chris, you can contact me at Rachel@diattorney.com and we can set up a call to discuss your buy out options.

Related:  Sun Life | Negotiate A Disability Buyout Settlement
Timely Payments
Handling Claim
Customer Service
Dependable
Value
Sun Life

Everytime SunLife receives my information they ask for another 7 to 10 business days

Reviewed by Joe M on May 31st 2021   Verified Policyholder
Told Sunlife I’m getting an attorney since my claim was filed April 16, 2021, still pending a decision and everytime they ask for more information and they receive it, t... read more >
Reply
Sent on May 31st 2021 by Attorney Jay Symonds

Joe, I assume this is a short term disability claim pursuant to a group policy issued to your employer. If so, the relevant federal claims regulations allow the carrier... read more >

Related:  Sun Life
Timely Payments
Handling Claim
Customer Service
Dependable
Value
Sun Life

I have lost everything due to non payment of my claim.

Reviewed by Lester H. on November 2nd 2020   Verified Policyholder
I have lost everything due to non payment of my claim.
Related:  Sun Life
Timely Payments
Handling Claim
Customer Service
Dependable
Value
Sun Life

SunLife said if I don't apply for SSI they will lower my payments

Reviewed by Jeffrey R. on July 26th 2020   Verified Policyholder
Sun Life is trying to get me to apply for ssi. Have long term disability though them been on it for 9 months. Live in PA. Telling to apply or they are lowering my payments... read more >
Reply
Sent on July 26th 2020 by Attorney Rachel Alters

Jeffrey, you are required under the policy to apply for Ssdi. If you don’t they will take an estimated offset and decrease you benefit by that amount.

Related:  Sun Life
Timely Payments
Handling Claim
Customer Service
Dependable
Value
Sun Life

I don't understand SunLife's overpayment letter

Reviewed by Gina L. on July 15th 2020   Verified Policyholder
My name is Gina and I have been collecting LTD from my previous employer through Sun Life for almost 2 years. I am currently easing back into the work force and I work a p... read more >
Reply
Sent on July 15th 2020 by Attorney Rachel Alters

Gina: I suggest you contact our office and speak with one of the attorneys to discuss the specific questions you have. At that point you can send along the letter.

Related:  Sun Life
Timely Payments
Handling Claim
Customer Service
Dependable
Value
Write a ReviewSee All Reviews
Answered Questions by Our Lawyers
(29)
Showing 8 of 29 Answered Questions

Q: Can SunLife offset dependent social security benefits received on account of my wife's disability?

Answered on May 8th 2020 by Attorney Stephen Jessup
A: Dominick, unfortunately, employer provided disability policies contain language that allows for the offset of ... Read More >
Related:  Sun Life

Q: Does SunLife have a required time to make a decision? Can they request medical records that have nothing to do with my illness?

Answered on February 19th 2019 by Attorney Gregory Dell
A: Megan, in an ERISA governed claim Sun Life would have 45 days to make a decision and have the option of taking... Read More >
Related:  Sun Life | Depression & Anxiety

Q: What happens if a policy doesn't mention something I believe I had and paid for (COLA)?

Answered on July 14th 2018 by Attorney Rachel Alters
A: Rachael, if the policy does not mention a COLA then that usually means that the insurance company does not off... Read More >
Related:  Sun Life

Q: Can SunLife deny me on the basis on a preexisting condition?

Answered on June 15th 2018 by Attorney Alex Palamara
A: Scott, the policy governing your claim will define what is a pre-existing condition. If you were having sympto... Read More >
Related:  Sun Life | Ménière's Disease

Q: Can I sue SunLife if I signed a Settlement & Release Agreement?

Answered on June 4th 2018 by Attorney Jay Symonds
A: RB, if you signed a Settlement & Release Agreement you are bound by those terms and would have waived your rig... Read More >
Related:  Sun Life | Sue Your Disability Insurance Company

Q: Can I still get my short term disability benefits if I'm terminated?

Answered on January 26th 2018 by Attorney Stephen Jessup
A: C. Freeman, even if you are terminated you would still have legal rights under your policies. Your rights unde... Read More >
Related:  Sun Life

Q: Can I sue SunLife for pain and suffering?

Answered on January 12th 2018 by Attorney Stephen Jessup
A: Jim, under ERISA governed policies there are no actions for pain and suffering, only unpaid benefits. Read More >
Related:  Sun Life | Sue Your Disability Insurance Company

Q: Should I be worried that SunLife is trying to deny my claim by making it seem like I have a mental disorder? Can they deny my claim if I refuse to undergo this needless psychiatric assessment?

Answered on August 10th 2017 by Attorney Stephen Jessup
A: Erin, in a situation like yours they are likely sending you to see a psychologist to determine if you are a â€... Read More >
Related:  Sun Life | Fibromyalgia
Ask Our Lawyers a QuestionSee All Answered Questions
Helpful Videos
(910)
Showing 12 of 910 Videos
Navigating the Complexities of Sun Life Disability Insurance Cla...

Navigating the Complexities of Sun Life Disability Insurance Cla...

We encourage you to share your experience about Sun Life and read Sun Life disability revi...

Related:  Sun Life | Alex Palamara
Can You Win a Sun Life Disability Appeal?

Can You Win a Sun Life Disability Appeal?

Long term disability lawyers Greg Dell and Rachel Alters answer questions and provide tips...

Related:  Sun Life | Sun Life Appeal | Rachel Alters
Banker with Cirrhosis Wins Sun Life Disability Benefit Denial Ap...

Banker with Cirrhosis Wins Sun Life Disability Benefit Denial Ap...

This Sun Life disability benefit denial claim came to us after many law firms rejected the...

Related:  Sun Life | Sun Life Appeal | Rachel Alters
Can A Severance Package Prevent Me From Getting Long Term Disabi...

Can A Severance Package Prevent Me From Getting Long Term Disabi...

The Severance package offered by your employer may include language that prevents you from...

Related:  Sun Life | New York | Cesar Gavidia
Sun Life Denies LTD Benefits to Construction Sales Manager with ...

Sun Life Denies LTD Benefits to Construction Sales Manager with ...

This case is an example of a long term disability denial that could have been avoided had ...

Related:  Sun Life | Sun Life Appeal | Neck Pain | Salesperson | Alex Palamara
Sun Life Disability Denial Help (Long Term Disability Lawyer Tip...

Sun Life Disability Denial Help (Long Term Disability Lawyer Tip...

In this video long term disability attorneys Cesar Gavidia and Gregory Dell discuss the fi...

Related:  Sun Life | Cesar Gavidia
Sun Life Approves Disability Benefits for Orthopedic Surgeon wit...

Sun Life Approves Disability Benefits for Orthopedic Surgeon wit...

In this video long term disability insurance attorneys Gregory Dell and Stephen Jessup dis...

Related:  Sun Life | Surgeon | Stephen Jessup
Sun Life Wrongfully Denies Disability After Paying For 23 Months

Sun Life Wrongfully Denies Disability After Paying For 23 Months

This was a terrible denial by Sun Life because they denied long term disability benefits a...

Related:  Sun Life | Sun Life Appeal | Salesperson | Rachel Alters
Tips for Applying for Sun Life Disability Insurance Benefits

Tips for Applying for Sun Life Disability Insurance Benefits

Attorneys Gregory Dell and Alex Palamara discuss tips for Applying for Sun Life disability...

Related:  Sun Life | Get Your Disability Application Approved | Alex Palamara | Gregory Dell
Sun Life Disability Lawsuit & Benefit Denial Tips

Sun Life Disability Lawsuit & Benefit Denial Tips

Attorneys Gregory Dell and Alexander Palamara discuss what you need to know when filing a ...

Related:  Sun Life | Sue Your Disability Insurance Company | Alex Palamara | Gregory Dell
Why Are Sun Life Disability Claims Difficult?

Why Are Sun Life Disability Claims Difficult?

Attorneys Gregory Dell and Rachel Alters discuss legal tips when filing for Sun Life disab...

Related:  Sun Life | Gregory Dell | Rachel Alters
Help & Tips for a Sun Life ERISA Disability Appeal

Help & Tips for a Sun Life ERISA Disability Appeal

Attorney Gregory Dell discusses what you need to do if you have been denied disability inc...

Related:  Sun Life | Sun Life Appeal | Gregory Dell
See All Videos
Disability Benefit Tips
(331)
Showing 8 of 331 Benefit Tips

Tips for Applying for Sun Life Disability Insurance Benefits

If you're covered by a long term disability policy offered by Canadian-based carrier Sun Life, you may never have expected to have to submit a claim for disability insurance benefits. At Dell & Schaefer, we've handled thousands of these claims and are familiar with the tactics Sun Life and other disability insurance carriers use to try to avoid paying disabi... Read More >
Related:  Sun Life | Sun Life Application | Gregory Dell

Can a Disability Claimant Refuse to Attend an IME During an Appeal?

The main issue in Stevens v. Sun Life and Health Insurance Company is whether a claimant’s refusal to attend an IME means the administrative remedies have not been exhausted so that a subsequent ERISA lawsuit must be dismissed. The controversy began when Sun Life terminated Stevens short-term disability about the same time that she filed a claim for long-term disability benefits. This claim was denied and sh... Read More >
Related:  Sun Life | Sun Life Appeal | Alabama | 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

How Do You Fight a Long-Term Disability Denial?

Getting a denial letter from your disability insurance company is one of the ultimate insults. You are sick and not able to work, yet your disability insurance company is telling you to return to work. The disability insurance company has denied your disability benefit claim and is basically calling you a liar. When receiving a disability denial letter or a ph... Read More >
Related:  Gregory Dell

Disability Denial Reason #2 - Change of Disability Definition & Vocational Review

One of the top reasons for terminating a claimant's long term disability benefits involves the change in the disability insurance policy's definition of "disability." This definition change often happens in conjunction with a vocational review, or an analysis of a claimant's medical records that tells the insurance company which jobs the claimant should be able ... Read More >
Related:  Stephen Jessup
See All Benefit Tips
Dell Disability Cases
(375)
Showing 8 of 375 Dell Disability Cases

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 many years.  Her job was very physical as it required her to climb in and out of semi-trucks multiple times a day as well as operate them which was very strenuous. She went out of work in due to ongoing and severe debilitating right hip, low back, and bilateral knee pain... Read More >
Related:  Sun Life | Sun Life Appeal | Back Disorders | Rachel Alters

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

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

After Appeal Sun Life Finally Approves Disability Benefits for Data Engineer

Prior to filing for disability, our client was employed as a Manager of Data Engineering Analytics for Avanade. A job he loved and excelled at (and financially rewarding), our client was unfortunately forced to stop working in August 2017 due to significant heart issues. Fortunately, his employer provided him coverage under a Long Term Disability Insurance Policy with Sun Life Assurance Company of Canada shoul... Read More >
Related:  Sun Life | Heart Disease | Sun Life Appeal | New York | Alex Palamara

Sun Life overturned previous denial of LTD for California Diagnostics Manager

Our client, Ms. G, formerly worked as a Diagnostics Manager for a regional Healthcare System. In October 2016 a number of medical issues, including Stage IV Ovarian Cancer Neoplastic Fatigue, Major Depressive Disorder, Language Disorder and Cognitive Impairment forced Ms. G to stop working and submit her claim for disability benefits under her employer’s long-term disability (LTD) policy, which was funded an... Read More >
Related:  Sun Life | Cancer | Sun Life Appeal | California | Jay Symonds

Unum and Sun Life approve disability benefits to OB/GYN

Our client, a well-established and experienced, OB-GYN, who had run a successful medical practice before becoming part of a hospital system, began to experience orthopedic problems that are common to doctors whose practices requires a substantial amount of surgical and clinical procedures. Like many surgeons, she attempted to find ways to minimize discomfort in an effort to be able to continue her surgical dut... Read More >
Related:  Sun Life | Chronic Pain | Sun Life Application | Stephen Jessup

After appeal filed by Attorney Jay Symonds, Sun Life overturned its previous denial of long term disability benefits for Florida ICU Nurse

Our client, Ms. A, formerly worked as a Nurse in the Intensive Care Unit. In September 2014 a number of medical issues, including chronic pain, fibromyalgia, chronic fatigue, neuropathy, bilateral hip pain, bilateral hip bursitis and bilateral knee osteoarthritis forced Ms. A to stop working and submit her claim for disability benefits, first under her employer’s short-term disability (STD) policy and then c... Read More >
Related:  Sun Life | Chronic Fatigue Syndrome | Fibromyalgia | Nurse | Sun Life Appeal | Florida | Jay Symonds

Sun Life Approves Disability Benefits to Surgical Services Director

Prior to filing for disability our client worked as a Surgical Services Director for a large hospital system. Her occupation came with an incredible amount of responsibilities relating to the efficient and safe operation of the surgical department of a hospital- requiring her to not only have to be mentally alert, but also physically available on a moment’s notice throughout the hospital. This was a tall ord... Read More >
Related:  Sun Life | Back Disorders | Chronic Pain | Sun Life Appeal | Florida | Stephen Jessup

Sun Life ignored its own medical expert's opinions supporting registered nurse's inability to work in a sedentary occupation due to severe rheumatoid arthritis

Sun Life reinstated LTD benefits after Dell Disability Lawyers appealed wrongful termination of LTD benefits of registered nurse suffering from rheumatoid arthritis demonstrating Sun Life ignored the overwhelming volume of objective evidence supporting the claim for total disability including their own peer review physician's opinions that the claimant could not perform sedentary work.At the time of the on... Read More >
Related:  Sun Life | Rheumatoid Arthritis | Nurse | Sun Life Appeal | Rachel Alters
See All Dell Disability Cases
Disability Lawsuit Stories
(765)
Showing 8 of 765 Lawsuit Stories

Can Sun Life deduct Veterans' Benefits from a monthly disability insurance benefit payment?

The case of Marco Martinez v. Sun Life Assurance Company of Canada (Sun Life) provides guidance in determining whether Sun Life, can deduct Veterans' Benefits from its monthly disability insurance benefit payment to the Plaintiff. In this case, Plaintiff, who was covered under a disability insurance policy issued by his employer and governed by ERISA, began receivin... Read More >
Related:  Sun Life | Sue Sun Life | Gregory Dell

California Court Reverses Sunlife Disability Denial for Woman with Fibromyalgia

In this video, disability insurance attorneys Rachel Alters and Gregory Dell discuss a California Federal Court decision in which a Sunlife disability insurance denial was reversed. Rachel Alters discusses the court’s frustration with Sunlife and finding that Sunlife abused their discretion by denying long term disability benefits after paying for multiple yea... Read More >
Related:  Sun Life | Fibromyalgia | California | Gregory Dell | Rachel Alters

Court Remands Sun Life to Consider Social Security's Decision to Award Plaintiff Disability Benefits

In Green v. Sun Life Assurance Co., the issue concerned whether or not the claimant was continuously disabled during the 180-day required elimination period in order to qualify for disability benefits. The plan administrator, Sun Life Assurance Co., was aware that the claimant had been awarded disability benefits by the Social Security Administration (SSA), but failed to review the SSA file or the determinatio... Read More >
Related:  Sun Life | Neck Pain | Gregory Dell

Sun Life's Video Surveillance Backfires & is Ordered to Pay Disability Benefits

In the case of Solnin v. Sun Life and Health Insurance Company, et al., the plaintiff, an assistant bank manager, injured her back at work and was initially granted short term disability benefits under her employee benefit plan. The case has an extensive procedural history of Sun Life terminating benefits, adminstrative appeals and at least one previous court case.In this action, in its attempt to discredi... Read More >
Related:  Sun Life | Back Disorders | Gregory Dell

Court Rules That Sun Life Did Not Properly Review a Mental Nervous Disability Claim

In this video nationwide disability insurance attorney Stephen Jessup discusses a recent Sun Life long term disability claim in which the court finds that Sun Life failed to conduct a proper evaluation. The claimant that filed for long term disability benefits had a mental nervous disorder.... Read More >
Related:  Sun Life | Stephen Jessup

Criminal-Act exclusion does not apply without sufficient causal nexus

We get many calls involving claims denied based upon exclusions for losses or disabilities resulting from certain excluded conditions. Common excluded losses are those resulting from pre-existing conditions, suicide or attempted suicide, acts of war, or criminal acts.In a recent case out of Kansas, a federal court was faced with determining whether there was a sufficient causal nexus to deny a claim based ... Read More >
Related:  Sun Life | Kansas | Rachel Alters

Court Awards Attorney's Fees After Disability Insurance Claim is Remanded Back to Sun Life

When suing an insurance company to recover disability benefits in an ERISA case, the three most likely outcomes by the court are; (1) awarding past benefits, (2) sending the claim back to the insurance company for further review (remand), or (3) finding in favor of the insurance company. The first and second outcomes are a win for the Plaintiff after which the court has discretion to award attorney's fees and ... Read More >
Related:  Sun Life | Massachusetts | Rachel Alters

Accountant Punished by SunLife for Working Part-Time During Tax Season

Most long-term disability policies require a claimant not only be unable to perform the material and substantial duties of his or her occupation due to sickness or injury, but they must also be earning less than 80% of their pre-disability income if they are working on a full-time or part-time basis while disabled. If a claimant has applied for disability benefits due to the inability to work in a full-time ca... Read More >
Related:  Sun Life | RSD | Accountant & AICPA | Sun Life Appeal | Rachel Alters
See All Lawsuit Stories

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.

Related:  Stephen Jessup
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.

Related:  Jay Symonds
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.

Related:  Stephen Jessup
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!

Related:  Alex Palamara
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

Related:  Alex Palamara
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
View All Reviews (503)
Super Lawyers award badgeMartindale Client Platinum award badgeMartindale AV award badge5 star Google reviews award badgeBest Law Firms award badgeBBB A Rating award badgeAvvo Rating award badge

Request a Free Consultation

Our Lawyers Respond Same Day

By submitting this form you agree to receive SMS from Dell Disability Lawyers. Carrier and Data rates may apply. Message frequency may vary. Reply STOP at any time to end messaging or Reply HELP for more information.

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.

Learn More Contact Us
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.

Learn More Contact Us
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.

Learn More Contact Us
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.

Learn More Contact Us
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.

Learn More Contact Us

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.

Free Consult Now800-698-9159
Get to Know Us
800-698-9159OverviewReviews from Our ClientsDell Disability CasesNationwide RepresentationVisit Our YouTube ChannelRadio Interviews
How We Help
Get Your Disability Application ApprovedSubmit a Strong Appeal PackageSue Your Disability CompanyPrevent a Disability Benefit DenialNegotiate a Lump-Sum Settlement
Site MapPrivacy PolicyTerms of Use© 2001 - 2025 Dell Disability Lawyers

Let's discuss your disability insurance claim

Call 800-698-9159 now to speak with one of our disability insurance lawyers or email one of our attorneys for an immediate response.

No ThanksRequest a Free Consultation

Popular Searches

how do I appeal a disability denial?I want to sue my disability companydo I qualify for disability benefits?disability claim denied, now what?erisa disability claim deniedquit job before applying?

Helpful Resources

Disability Company ReviewsAsk Our LawyersDisability Benefit TipsHelpful VideosDell Disability CasesDisability Lawsuit StoriesOur Client Testimonials