Disability insurance attorneys Greg Dell and Alex Palamara explain that under ERISA-governed group disability policies, a claimant cannot file a lawsuit immediately after a disability insurance denial. The law requires claimants to first file an administrative appeal with the insurance company and exhaust all internal remedies before suing.

Continue Reading Can You Sue Lincoln Financial Without Submitting a Disability Insurance Appeal?

We explain how long it typically takes to receive a decision on short-term and long-term disability benefit applications. Short-term disability decisions are usually quick—especially for clear, catastrophic injuries—but more routine conditions may take 1–2 weeks if proper medical documentation is provided. Long-term disability claims generally take 30–90 days after submission, depending on how quickly the claimant provides medical records, job descriptions, and other required information.

Continue Reading How Long Does it Take to Get a Decision on my Application for Disability Insurance Benefits?

Attorneys Greg Dell and Alexander Palamara from Dell Disability Lawyers discuss frequently asked questions about Reliance Standard disability insurance appeals. They explain that even if a claim is denied, it can often be successfully appealed—many denials are overturned with a strong, well-prepared case.

Continue Reading Reliance Standard Disability Insurance Denial and Appeal Tips

Attorneys Gregory Dell and Alexander Palamara from Dell Disability Lawyers discuss key issues surrounding Hartford disability insurance appeals. They explain that once a claim is denied, the appeal process can take six to nine months on average, due to the need for extensive preparation and documentation. Palamara emphasizes that claimants should never rush an appeal, since under ERISA law, only one appeal is allowed before a lawsuit becomes necessary.

Continue Reading Hartford Disability Insurance Appeal Tips

We explain that claimants can win appeals if they carefully address the insurer’s reasons for denial with strong, comprehensive evidence. Cesar Gavidia advises not to panic or rush an appeal, but to gather all medical records, expert reports, and policy details before submitting.

Continue Reading After the Guardian Disability Insurance Denial. Appeal Questions Answered by Lawyers

Attorneys Greg Dell and Stephen Jessup discuss Unum Disability Insurance, focusing on the company’s practices, claim denials, and the challenges policyholders face. Unum is the world’s largest group disability insurer and has a long history of regulatory issues and class-action lawsuits, but it has developed internal procedures that it consistently follows. Despite this, Unum handles an enormous volume of claims, which often leads to a lack of personal attention and a rigid approach to denials. Once a claim is denied, it is often difficult to overturn because of the company’s group review process, which can create a kind of “groupthink” where initial decisions are strongly reinforced. The discussion emphasizes that policyholders face a company focused on minimizing payouts, operating almost like an impersonal assembly line where claims are treated as numbers rather than individuals.

Continue Reading Discussing the Unum Disability Insurance Reviews. Good or Bad?

Explore how to overcome disability insurance denials with disability insurance attorney Rachel Alters. We discuss the misclassification of nursing occupations and the challenges posed by vocational assessments, particularly in relation to sedentary work. Discover the biases that can affect medical evaluations and the hurdles faced when filing disability insurance claims.