Utah Disability Insurance Lawyer Representation for Your LTD Insurance Claim

Our Utah disability insurance attorneys assist disability insurance claimants during all stages of a claim for disability insurance benefits. Since 1979, our disability law firm has represented disability claimants against every major disability insurance company. We have earned our reputation in both Utah and Nationwide as aggressive, competent, and reliable disability insurance lawyers.

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disability attorney utah

It is essential to hire a disability insurance law firm that has the resources, co-counsel network and experience to effectively represent disability insurance claimants against these nationwide disability insurance companies. We have relationships with lawyers throughout Utah and if we are not able to assist you with your disability claim, then we may be able to recommend a Utah disability insurance lawyer. If you have a disability insurance claim in either Utah or any other state, contact our disability insurance attorneys for a free consultation.

Utah residents that have had their disability insurance benefits denied can file a lawsuit in the District Court under a limited set of circumstances. Utah’s state appellate courts includes the Court of Appeals and the Utah Supreme Court. If the disability claimant resides in Utah and the disability insurance company is located in a different state, and the amount of disability benefits payable is greater than $75,000, then the lawsuit can be filed in Utah Federal District Court. If the disability insurance policy is an employer provided policy governed by ERISA, then the disability claim must be filed in federal court. Utah has one Federal District Court. An ERISA governed disability claim denial lawsuit can usually be filed in any state that the insurance company conducts business. According to the Utah Department of Insurance there are more than 1,700 insurance companies that sell insurance products in Utah.

Do I Need To Come To Your Office In Order For Your Firm To Evaluate My Claim?

No. We are certainly available to meet with you at any of our satellite offices located in either Utah or another state, however following a review of your disability policy or any other pertinent documents and a free telephone conversation we are usually able to make a determination. It is our job to try to get our clients paid their disability insurance benefits as quick as possible; therefore we prefer to have an initial consultation via telephone.

Do I Have to File My Disability Denial Lawsuit in Utah?

In the event of a disability claim denial, our disability insurance attorneys will usually have the option of selecting one of several states to file the disability lawsuit. More than 80% of short term and long term disability insurance policies are governed by a federal law called ERISA, which means that a Utah disability insurance attorney can usually file a lawsuit in any federal court in any state.

Utah State Legal Resources

FEDERAL COURTS

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
(681)
Showing 4 of 681 Reviews
Mutual of Omaha

DENIED PRE-EXISTING

Reviewed by Blackmon on March 19th 2026   Verified Policyholder | February 2026 date of disability
I filed a claim with Mutual of Omaha because I had a hip replacement surgery. My family doctor referred me to an orthopedic surgeon. Mutual of Omaha denied my claim saying...
Hartford

Total INCOMPETENCE!!!

Reviewed by Bryan on January 23rd 2026   Verified Policyholder | December 2025 date of disability
They don't answer or return calls... lack of communication... unorganized... takes 3-4 weeks after approval to recieve a check... they mail checks on a friday... mailed me...
Sun Life

Worst company ever

Reviewed by Danyette on January 23rd 2026   Verified Policyholder | December 2025 date of disability
I hate them, nothing else to say.
Lincoln Financial

Not getting paid on time

Reviewed by Jim on January 7th 2026   Verified Policyholder | October 2025 date of disability
From the very start they have not tried to work with me at all. So I went out for a knee surgery and it took a month and a half to get my first check. When I had turned al...
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Helpful Videos
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Disability Benefit Tips
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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...

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...

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 ...

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...
Our Resolved Cases
(385)
Showing 4 of 385 Our Resolved Cases

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 debilitating effects of his chronic, organic medical conditions and associated cognitive deficits, including transient cerebral ischemia and chronic migraines, which left him with significant physical and cognitive impairments. As a result of his serious medical conditions ...

Lincoln Financial Reinstates Disability Benefits To School Teacher

Our client, a former Special Education Teacher, was brutally assaulted in a commercial gym by another gym patron that required brain surgery and resulted in a traumatic brain injury that left our client with severe cognitive problems, migraines, seizures, and post-traumatic stress disorder. Shortly after the attack our client filed a claim for disability insurance benefits through his county school district’...

Disability insurance carrier cuts veterinarian's benefits after paying for 9 years

Our Client, a veterinarian, suffering from fibromyalgia was was receiving long-term disability benefits for 9 years, when his disability carrier decided to stop paying him. Not only did his carrier decide to stop paying, but they sued him in Federal Court for 9 months of back benefits that they paid under a reservaton of rights.In response to the Carriers unreasonable actions, we filed a counter-suit for b...

Lincoln Financial Disability Denial Reversed For Project Manager With Cardiac Condition

Lincoln Financial terminated long-term disability benefits for a North Carolina Hitachi Energy project manager after more than three years of payments — cutting him off precisely when the policy definition shifted from own occupation to any occupation. Our client had suffered a heart attack, required coronary stent placement and a pericardial window procedure,...
Disability Lawsuit Stories
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Showing 4 of 766 Lawsuit Stories

Another Cigna Hired Gun Doctor To Be Exposed!

Utah Court Wants To Know Relationship Between Dr. Carol Flippen and Cigna Life InsuranceCigna Insurance company may try to run but they can't hide.In a very interesting Cigna life insurance claim denial lawsuit filed in a Utah Federal court, the Court has ordered Cigna to answer interrogatories detailing how many claims Dr. Carol Flippen has approved or denied when hired by Cigna.This is a great vi...

Hartford Disability Denial of Insurance Agent with Fibromyalgia and Chronic Fatigue is Reversed

A Utah Federal Judge reversed a Hartford long term disability insurance benefit denial on the basis that it was "unreasonable and, thus, arbitrary and capricious". The judge's opinion in this case is a great victory for disability insurance claimants disabled by Fibromyalgia or by Chronic Fatigue Syndrome. Additionally, the Judge that decided this case should be commended for seeing through Hartford's bullshit...

Electrical assembly worker for Northrop Grumman files a complaint against UNUM for denial of long term disability benefits

Fifty-nine-year old, former Northrop Grumman Corporation employee Rita L. and her Utah disability lawyer filed suit against UNUM Life Insurance Company and her employer in Federal Court in Utah. Claiming that the UNUM Plan Administrator erroneously denied Rita her disability benefits, the complaint asks the District Court to right this wrong.An employee of Northrop Grumman Corporation for 24 years as an el...

Cigna denies Herff Jones Inc. employee disability benefits after she is diagnosed with multiple sclerosis

Karen Kolesky has filed a lawsuit against Herff Jones Inc., Cigna Insurance, and Life Insurance Company of North America in the United States District Court of Utah, Northern Division in an effort to receive her long term disability benefits as promised in her employee insurance policy. In possession of an employee insurance policy from her employer Herff Jones, Inc., Kolesky applied for long term disability b...

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5 Ways We Help Get Your Benefits Paid

Get Your Disability Application Approved

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

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

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.

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.

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.

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.

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.

Helpful Resources