Facing a Denial on Your Short or Long-Term Disability Claim?

Advocating for Individuals with Disabling Conditions 

If you’re living with a disabling condition such as cancer, fibromyalgia, chronic fatigue syndrome (CFS), or depression, your disability insurance policy should provide financial protection for you and your family. Unfortunately, insurance companies often fail to fulfill this obligation. Many engage in unfair practices by denying legitimate claims, conducting inadequate investigations, and issuing denials in bad faith. For individuals already dealing with serious health challenges, the consequences of a denied claim can be financially and emotionally devastating. 

At DL Law Group, we are dedicated to helping policyholders obtain the benefits they’re entitled to when their insurance companies act unfairly, whether by unjustly denying a claim, unreasonably delaying payment, or wrongfully terminating disability benefits. 

With over 80 years of combined experience, our attorneys have successfully taken on some of the largest and most aggressive insurance carriers in the country. We bring deep knowledge of disability law, strategic insight, and an unwavering commitment to every case we handle. 

Whether you’re facing a short-term or long-term disability, our team will fight aggressively on your behalf. We take the time to understand your medical condition, the nature of your disability, and the full context of your insurance dispute. After a thorough review of your policy, medical records, and correspondence with the insurer, we’ll provide you with a transparent and honest assessment, along with a roadmap for moving forward. 

No matter what stage your case is in, whether you’re just beginning a claim, appealing a denial, or preparing to file a lawsuit, we are ready to step in. As our client, you become our top priority. You’ll receive one-on-one attention from an experienced attorney who will guide you every step of the way. We will never recommend a settlement that isn’t in your best interest, and we’re fully prepared to take your case to trial if necessary. 

Our track record includes landmark victories. In the widely cited case Hangarter v. Provident (UnumProvident), DL Law Group attorneys Alice J. Wolfson and David M. Lilienstein helped secure a $5 million punitive damages award against UnumProvident, one of the most notorious disability insurers in the nation. The Ninth Circuit Court of Appeals upheld the verdict unanimously, making it one of the most influential disability insurance cases to date. 

The Hidden Tactics Behind Disability Insurance Denials 

Insurance companies frequently use complex policy language and internal procedures that prioritize profits over people. Many denials are based on vague and subjective terms like “lack of objective evidence” or the assertion that your condition doesn’t meet the policy’s definition of disability, even when your medical providers document clear and severe impairments. 

Insurers may rely on biased in-house reviewers or so-called “independent” medical examiners who never meet with you. In some cases, they use cherry-picked surveillance footage or social media content taken out of context to suggest you’re more capable than you are. These strategies are not only unfair but also deeply misleading. 

At DL Law Group, we know how to expose these tactics. We craft compelling appeals utilizing robust medical documentation, expert opinions, and a comprehensive understanding of how disability insurers operate behind the scenes. Our mission is to ensure you're not silenced by red tape or discouraged by technical denial letters. 

What to Do After Your Disability Insurance Claim Is Denied 

Getting a denial letter from your insurance provider can be crushing, especially when you're already coping with the stress of illness or injury. But it’s important to know: a denial doesn’t mean your case is over. However, time is critical. Most policies contain strict deadlines for appeals, and missing them could permanently forfeit your right to benefits. 

Your first step should be to gather all relevant documents, including your policy, the denial letter, your medical records, and any prior correspondence with the insurer. Do not assume the insurer’s decision is correct. These letters are often based on flawed reasoning, selective evidence, or outright misapplication of the policy terms. 

Before submitting an appeal, consult with an experienced disability insurance attorney. In many cases, the administrative appeal is your only opportunity to submit evidence and create the legal record that a court will later rely on. At DL Law Group, we conduct a meticulous review of your claim and the insurer’s conduct, then craft a powerful, evidence-backed appeal tailored to your situation. The sooner you involve us, the stronger your position will be. 

You Pay Nothing Until You See Results 

We understand how overwhelming it can be to manage medical bills, household expenses, and legal concerns simultaneously. That’s why we handle disability insurance cases on a contingency fee basis, meaning you don’t pay unless we win. Your initial consultation is entirely free, regardless of the duration. 

Our office is conveniently located in San Francisco, just a short walk from both the state and federal courthouses. Whether you're just beginning your claim or dealing with a wrongful denial, we’re ready to help you regain control and peace of mind.