Court Rules Plaintiff's Medical Records Was Replete With Evidence Supporting Claim of MS & Was Not A Pre-Existing Condition


In Bayer v. Unum Life Insurance Company of America, C.A. No. 18-9702 (E.D. LA 2020), Plaintiff began working as a senior property manager for Sealy Operating III, Inc., in September 2014. According to Sealy’s written job description, Plaintiff’s job duties included maintaining properties in good order and condition by contracting and scheduling necessary repairs and maintenance, conducting walk-throughs of buildings to ensure strict standards for maintenance and cleanliness, and researching vendors and collect bids from contractors. Plaintiff was also responsible for compiling budgets and other financial reports.

After developing neurological symptoms of right hand and right body numbness and dragging of her right foot, Plaintiff underwent an MRI in January 2015. The January 2015 MRI showed “a few nonspecific white matter changes.” Due to her new neurological symptoms and the white matter lesion in the January 2015, Plaintiff was referred to a Board Certified Neurologist specializing in Multiple Sclerosis (“MS”), who also served as the Program Director of a nationally recognized MS treatment center. Following several visits, in May 2015 it was determined that Plaintiff met the criteria for clinically definite MS.

Unum’s Rationale for LTD Denial

In January 2016 Plaintiff submitted her claim for LTD benefits under Sealy’s Group Long Term Disability Policy administered and funded by Unum. In June 2016 Unum denied Plaintiff’s claim for LTD benefits because Unum concluded that Plaintiff’s MS was an excluded “pre-existing condition” under the terms of Unum’s Long-term Policy and Sealy’s prior insurance carrier’s plan (“the Prudential Plan”). Pursuant to the Long-term Policy, disabilities due to “pre-existing conditions” are not covered. The Long-term Policy defines a “pre-existing condition” as existing if a person: (1) “received medical treatment, consultation, care or services including diagnostic measures, or took prescribed drugs or medicines in the 3 months just prior to [his/her] effective date of coverage” and (2) “[t]he disability begins in the first 12 months after [his/her] effective date of coverage.” The Unum Long-term Policy took effect on April 1, 2015 and Plaintiff’s date of disability was September 25, 2015, which is within the first 12 months of the effective date of the Long-term Policy. Therefore, if Plaintiff received medical treatment, consultation, care or services, including diagnostic measures, or took prescribed drugs or medications between January 1, 2015 and March 31, 2015, then the pre-existing condition exclusion would apply, and Plaintiff would not be entitled to LTD benefits under the Long-term Policy.

Unum’s Long-term Policy also contains a “continuing coverage” clause, which states that Unum will pay long-term disability benefits for what would be considered a pre-existing condition under the Long-term Policy if it would not be considered a pre-existing condition under the employer’s prior insurance carrier’s definition (here, the Prudential Plan). Under the Prudential Plan, a claimant has a pre-existing condition if the circumstances listed in numbers 1 and 2 below are both met: 

1. (a) [The person] received medical treatment, consultation, care or services, including diagnostic measures, or took prescribed drugs or medicines, or followed treatment recommendation in the 3 months just prior to [his/her] effective date of coverage; or

(b) [The person] had symptoms for which an ordinarily prudent person would have consulted a health care provider in the 3 months just prior to [his/her] effective date of coverage. 

2. [The person’s] disability begins within 12 months of the date [his/her] coverage under the plan becomes effective. 

Based on Plaintiff’s date of hire – i.e., September 2014 – her effective date of coverage under Sealy’s Prudential Plan was December 1, 2014. Because Plaintiff’s date of disability of September 25, 2015 is within 12 months of the date that her coverage became effective under the Prudential Plan, if Plaintiff received medical treatment, consultation, care or services, or took prescribed drugs or medicines, or followed treatment recommendation between September 1, 2014 and November 30, 2014, or if she had symptoms for which “an ordinarily prudent person” would have consulted a health care provider in this time frame, then she would be excluded from receiving LTD benefits under the Prudential Plan due to the pre-existing condition exclusion.

In its June 2016 denial of Plaintiff’s LTD benefits claim, Unum determined that her MS was a “pre-existing condition” under both the Unum Long-term Policy and the Prudential Plan. Unum concluded that because Plaintiff had been treated for “neurological symptoms including unsteady gait and numbness on the right side” on January 21, 2015 and January 26, 2015, and she had been “referred to [Neurologist] for ‘possible MS’” on February 20, 2015, she had a pre-existing condition that precluded her from coverage under the Long-term Policy. Moreover, Unum determined that because Plaintiff had been treated for an eye condition called Pars Planitis on November 20, 2014 – which Unum contended was “directly related” to Plaintiff’s MS – Plaintiff’s condition of MS was pre-existing and therefore excluded from coverage.

Unum’s conclusion was based on a medical records review performed by its clinical consultant, who was a Registered Nurse rather than a medical doctor with an appropriate specialty. Unum also contended that its conclusion regarding the connection between Plaintiff’s Pars Planitis treatment and her subsequent MS diagnosis was allegedly supported by her Neurologist.

Bayer’s Appeal

Plaintiff appealed Unum’s denial of her LTD benefits claim in November 2016, and submitted an Affidavit from her Neurologist and MS expert which confirmed, in relevant part, as follows:

4.   That Pars Planitis is one symptom of possible MS;

5.   That not all patients who have Pars Planitis have MS;

6.   That not all MS patients have Pars Planitis; 

7.  After reviewing the MRI of October 5, 2012, after the time Kim Bayer was diagnosed with Pars Planitis, it is my opinion she did not have MS at that time; . . .

10. That Kim Bayer’s onset date for MS is January 26, 2015 and her treatment for MS began after January 26, 2015.

Nevertheless, in January 2017 Unum denied Plaintiff’s appeal. In denying Plaintiff’s appeal, Unum again relied on Plaintiff’s treatment for Pars Planitis, but Unum also claimed – for the first time – that Plaintiff’s October 2014 visit to a doctor’s office for “peripheral neuropathy” also supported a denial of Plaintiff’s claim. In its letter, Unum claimed that its “medical staff confirmed peripheral neuropathy is a symptom associated with Ms. Bayer’s ultimate diagnosis of multiple sclerosis.” The medical staff to whom Unum refers is another nurse clinical consultant who reviewed Plaintiff’s medical records but also did not conduct an examination of Plaintiff herself. Plaintiff notes that her visit to Dr. Le was due to tingling and numbness associated with a foot rash she had, and that she had this rash since at least 2005, long before her MS diagnosis.

The District Court Decision

Following Unum’s denial of Plaintiff’s LTD benefit claims, as well as her appeal of her claim denials, Plaintiff filed suit in US District Court pursuant to ERISA. After reviewing the administrative record, the Court found that the evidence did not support the conclusion that Plaintiff’s MS was a “pre-existing condition” under the Prudential Plan – for which Unum was subject to a “continuing coverage” clause – such that it warranted a denial of her LTD benefits claim. Plaintiff’s MS would be considered a “pre-existing condition” under Unum’s Long-term Policy because Plaintiff had been treated for “neurological symptoms including unsteady gait and numbness on the right side” on January 21, 2015 and January 26, 2015, and she had been “referred to a Neurologist for ‘possible MS’” in February 2015, which is within the relevant look-back period for the Unum Long-term Policy.

However, the Court concluded that there is no evidence to show that Plaintiff’s MS was a pre-existing condition under the relevant look-back period for the Prudential Plan. Although Unum tried to claim that Plaintiff’s treatment for Pars Planitis in November 2014 was “directly related” to her MS, her Neurologist clarified that although Pars Planitis is a symptom of possible MS, not all patients who have Pars Planitis have MS and vice versa and Plaintiff’s onset date for MS was January 26, 2015.

Moreover, the court also noted that no Unum physicians ever examined Plaintiff in person; indeed, no Unum physicians ever even spoke to a single one of Plaintiff’s treating physicians. The Court noted that although “courts have no warrant to require administrators automatically to accord special weight to the opinions of a claimant’s physician,” a plan administrator “may not arbitrarily refuse to credit a claimant’s reliable evidence, including the opinions of treating physicians.” Here, the Court noted, Unum relied on the conclusions of its “clinical consultants” – who were not medical doctors or MS specialists – and disregarded the opinions of Plaintiff’s treating physicians. More specifically, the Court found troubling the fact that the Unum employee who concluded that Plaintiff’s “treatment for Pars Planitis was directly related to [Plaintiff’s] condition of [MS], and the treatment occurred during the 3 months prior to the effective date of coverage under the prior carrier’s policy,” was a “Disability Benefits Specialist” who did not have any medical degree.

Further, although Unum asserted that it reached its conclusion based on a review by Unum’s clinical consultant, it was clear that this consultant too was not a medical doctor, let alone an MS specialist. Similarly, when Plaintiff appealed Unum’s denial of her LTD benefits claim, Unum’s Lead Appeals Specialist again relied on Plaintiff’s treatment for Pars Planitis to uphold the denial, but also concluded that Plaintiff’s October 24, 2014 visit to a doctor’s office for “peripheral neuropathy” supported a denial of Plaintiff’s claim. This conclusion was based in part on another clinical consultant who did not have any medical degree and who did not conduct an examination of Plaintiff herself.

Conversely, Plaintiff’s treating Neurologist had 16 years’ experience as a physician specializing in the diagnosis and treatment of MS and moreover, she has been the Program Director of a nationally recognized Multiple Sclerosis Center since 2010. Despite her significant experience as a physician and MS specialist, Unum arbitrarily disregarded her opinions in favor of clinical consultants who are not medical doctors, let alone MS specialists. 

In conclusion, the Court found that the record was replete with medical evidence supporting Plaintiff’s argument that her MS was not a pre-existing condition under the Prudential Plan and Unum failed to have a medical doctor or MS specialist examine Plaintiff – or even review her medical records – before reaching the incorrect conclusion that her treatment for Pars Planitis and doctor’s visit for peripheral neuropathy were directly related to her MS. Accordingly, the Court held that the claimant had met her burden of showing that she was disabled within the meaning of the policy and was not subject to the pre-existing condition exceptions. As a result, the Court reversed Unum’s decision and reinstated Plaintiff’s LTD benefits.

This case was not handled by our office, but it may provide claimants guidance in their pursuit of compensation of disability insurance benefits.  Please feel free to contact our office and to speak with one of our disability attorneys for a review of your disability insurance policy and to discuss how we may be able to assist you in securing benefits.

Did you find this helpful?
Unhelpful (0)

Resources to Help You Win Disability Benefits

Disability Benefit Denial Options
Submit a Strong Unum Appeal Package

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

Learn more

Sue Unum

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

Learn more

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

Learn more

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

Learn more

Negotiate a Unum Lump-Sum Settlement

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

Learn more

Unum Reviews

Policy Holder Rating

1.6 out of 5
Read 60 reviews
0%would recommend
Timely Payments
1.8out of 5
Handling Claim
2.1out of 5
Customer Service
2.1out of 5
2.1out of 5
1.9out of 5
Showing 8 of 60 Reviews

Low payments

Reviewed by Dorothy on November 30th 2023   Verified Policyholder | November 2023 date of disability
I was injured at work. I did house keeping in a hospital. I tore just about everything imaginable in my knee. I was let go from my job, because I was no longer able to do ... read more >

They closed my claim and I have been without income since they closed it

Reviewed by Mary C. on November 8th 2023   Verified Policyholder
Went off work on 9/26/22 due to back issues. Applied for Short Term Disability. On Jan 2023 switched over to Long Term Disability and Unum had me to apply for Social Secur... read more >

I feel like Unum is giving me the runaround!

Reviewed by Rachelle H. on May 11th 2022   Verified Policyholder
I have contacted UNUM multiple times since I’ve needed them. I feel like they are giving me the runaround! Please help!
Sent on May 11th 2022 by Attorney Stephen Jessup

Rachelle, the law provides certain timelines and deadlines with which to provide information or decisions. Please feel free to contact our office to discuss your situat... read more >


Unum terminated my benefits with no warning

Reviewed by K. Potter on September 9th 2020   Verified Policyholder
I was told I was covered with Unum through my employer (continuum). I got an email today for my termination, no prior talks of infractions with attendance, no warnings, no... read more >
Sent on September 9th 2020 by Attorney Stephen Jessup

K. Potter, termination as in your employment was terminated or a disability claim was terminated? If your employment was terminated and you had not filed a claim for di... read more >


I've been trying to care care of my Unum benefits for over a year. They’ve been so rude

Reviewed by Tracey W. on August 30th 2020   Verified Policyholder
I have been trying to take care of my Unum benefits for over a year. I’ve called and back in November I did appeal letter, they say they never received. I did everything... read more >
Sent on August 30th 2020 by Attorney Gregory Dell

Tracey, I am sorry to hear of your issues with Unum. We would love to learn more about your claim to see if we can get Unum to pay or if we can sue them with you. Pleas... read more >


I've paid for STD for 20+ years. Now, I'm actually sick and can't get paid

Reviewed by Natalie on June 29th 2020   Verified Policyholder
My employer uses unum for short-term disability. I was hospitalized back on june 13 and discharged on june 25. I was admitted for double pneumonia and hypoxia, which I end... read more >
Sent on June 29th 2020 by Attorney Rachel Alters

Natalie, hopefully your claim will be approved. If they deny the STD claim then you will need to appeal the determination.


Unum thought I was fine to work. I wasn't

Reviewed by Elizabeth L. on May 21st 2020   Verified Policyholder
48 yoa dentist POTs Dx aug 22. Attempted to return to work initially but got sick. Was going to go back 2 days/wk in September but could not. Then did go back part time as... read more >
Sent on May 21st 2020 by Attorney Stephen Jessup

Elizabeth, please contact our office to discuss the denial of your claim and your rights to pursue legal action against Unum.


Unum has made me feel like a criminal

Reviewed by Kevin on February 6th 2020   Verified Policyholder
Hi, I am currently receiving LTD from UNUM. I used to work as a Radiologist Tech at Vanderbilt Medical Center in Nashville, TN. for about 10 years. Than I started having g... read more >
Sent on February 6th 2020 by Attorney Gregory Dell

Kevin, I am sorry to hear all that you are going through and the stress this is causing you. The policy governing your claim likely does allow Unum to conduct an in-per... read more >

Answered Questions by Our Lawyers
Showing 8 of 96 Answered Questions

Q: Do we have any legal action against Unum?

Answered on January 15th 2024 by Attorney Alex Palamara
A: I am sorry to hear of Unum’s actions here and how they have treated your claim, especially in their long del... Read More >

Q: Is it normal for “UNUM” to ask for a police report?

Answered on January 15th 2024 by Attorney Alex Palamara
A: Derrick, a simple answer to your question is Yes, if there was some sort of MVA accident which caused or contr... Read More >

Q: Unum stopped my COLA benefits at age 65

Answered on December 19th 2023 by Attorney Rachel Alters
A: Unum policies usually only pay COLA increases until you turn 65 even if the policy pays longer. Read More >

Q: Survivor's benefits

Answered on December 15th 2023 by Attorney Gregory Dell
A: Cindy: A few things come to mind. Your disability policy will have a section called deductible sources of inco... Read More >

Q: FMLA and my LTD claim

Answered on December 6th 2023 by Attorney Gregory Dell
A: Unum doesn’t consider FMLA as they only care if you meet the terms of your disability policy with Unum. Read More >

Q: Is the recipient responsible for overpayment when they had nothing to do with the reporting?

Answered on November 30th 2023 by Attorney Gregory Dell
A: Jeanne:The beneficiary, which would be you, is responsible for a legitimate overpayment regardless of who ... Read More >

Q: Does UNUM periodically review Group Long Term Disability Insurance claims/payments? For example, do they verify medical eligibility every five or ten years?

Answered on October 24th 2023 by Attorney Gregory Dell
A: Great question. The answer varies on the type of claim you have. On average Unum reviews medical eligibility e... Read More >

Q: Unum is cross plan offsetting

Answered on October 15th 2023 by Attorney Alex Palamara
A: Tom, I am sorry to hear of this situation. Please contact us at 954-620-8300 so that we can learn more about t... Read More >
Helpful Videos
Showing 12 of 861 Videos
Disability Benefit Tips
Showing 8 of 329 Benefit Tips

Is UNUM a Good Insurance Company?

One common question the attorneys here at Dell Disability Lawyers receive comes from policyho... Read More >

How Long Does UNUM Long Term Disability Last?

When it comes to long term disability (LTD) insurance, every UNUM disability insurance policy... Read More >

Can You Sue UNUM?

If UNUM denies your long term disability insurance claim, can you sue? Generally, t... Read More >

How Does UNUM Define Disability?

UNUM Group - the Tennessee-based Fortune 500 insurance company that includes UNUM US, UN... Read More >

Beware of Traveling While on Disability with Unum

In the past several months our office has been hired by two separate clients who had individual disability policies purchased privately throug... Read More >

If I Sue Unum for a Disability Insurance Denial, What Should I Anticipate?

Disability insurance Attorneys Gregory Dell and Stephen Jessup discuss the numerous issues th... Read More >

Unum Disability Benefit Denial Trends, A Legal Perspective

In this video we discuss the recent trends they have observed with regard to Unum Insurance C... Read More >

A New Bait and Switch Tactic by Unum Disability Insurance Company

Unum reached a new low today which displays absolute disregard for the rights of a UNUM insured. Our law firm advised Unum in a January 16, 20... Read More >
Dell Disability Cases
Showing 8 of 369 Dell Disability Cases

Louisiana State College Director Wins Unum LTD Appeal But Then Denied Again

Client was Regional Director for the State of Louisiana. She was diagnosed with cervical rad... Read More >

Unum Approves LTD Benefits for Pharmacist with Eye Disorder

Rachel Alters of Dell Disability Attorney’s currently represents an Ambulatory Operations P... Read More >

Billing Manager With Back Disorder Wins Unum Long Term Disability Denial Appeal

Despite suffering with chronic knee and back pain for 7 Years, Unum still needed to be convi... Read More >

Unum Lifts Mental Health Limitation on Disability Claim

When our client first contacted our office and spoke with Attorney Stephen Jessup her claim for long term disability benefits had been approve... Read More >

Unum Approves Long Term Disability Application to a Program Manager

Our client, a high level Program Manager for a large international aeronautics company, was involved in an automobile accident that resulted i... Read More >

After appeal filed by Attorney Jay Symonds, UNUM overturned previous denial of long term disability benefits for South Carolina Nurse

Our client, Ms. L, formerly worked as a Registered Nurse for a nursing home. In November 2014 a number of chronic physical conditions and pain... Read More >

Unum Overturns Original Decision to Deny Benefits to Disabled Account Manager Following Appeal Submitted by Dell Disability Lawyers Appeals Team

In 2016, Sarah, an Account Manager, began suffering severe abdominal pain accompanied by bloody diarrhea. The frequency and condition was so s... Read More >

After appeal filed by Attorney Jay Symonds, UNUM overturned its previous denial of long term disability benefits for Colorado Plumber

Our client, Mr. B, formerly worked as a Plumber for a fabrication and manufacturing company. In January 2016 a number of medical issues, inclu... Read More >
Disability Lawsuit Stories
Showing 8 of 764 Lawsuit Stories

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 >

Court Rules Plaintiff's Medical Records Was Replete With Evidence Supporting Claim of MS & Was Not A Pre-Existing Condition

BackgroundIn Bayer v. Unum Life Insurance Company of America, C.A. No. 18-9702 (E.D. LA 2020), Plaintiff began working as a seni... Read More >

After paying for 13 years Unum Denies Disability Benefits to Woman with Lyme Disease and Endometriosis

In Stephanie Dorris v. Unum Life Insurance Company of America (Unum), Plaintiff was President of Beans Plus, Inc... Read More >

Inexperienced Lawyer Handles Unum Disability Lawsuit and Fails to Provide Evidence to Support Occupational Argument

The case of Stephanie Dorris v. Unum Life Insurance Company of America (Unum) is an example of how an inexperien... Read More >

Can UNUM Deny LTD Benefits When Plaintiff Proves Eligibility by a Preponderance of the Evidence?

In the case of Paul Luu v. First Unum Life Insurance Company of America (Unum), Plaintiff had been employed by MUFG Union Bank ... Read More >

Is Remand Required If Plaintiff Proves Disability by a Preponderance of the Evidence?

In Ralph Dewsnup v. Unum Life Insurance Company of America (Unum), Plaintiff was a trial attorney with the law firm of&nbs... Read More >

Can Unum Deny My LTD Benefits After Paying For 15 Years?

In the case of Michael J. Christoff v. Unum Life Insurance Company of America (Unum), plaintiff was a partner in the firm ... Read More >

Court Rules Proper Standard of Review is Abuse of Discretion

In Christoff v. Unum Life Insurance Company of America, Plaintiff Christoff suffered from severe fibromyalgia. He was insured under a group em... Read More >

Reviews from Our Clients

Request a Free Consultation

Our Lawyers Respond Same Day

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.