Disability Insurance

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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. 

Have a Disabling Condition? You May Qualify for Benefits.


From chronic pain and heart disease to depression and vision loss, many physical and mental conditions are covered under disability insurance. DL Law Group has over 80 years of combined experience helping clients get the benefits they deserve. Click below to view common qualifying conditions and learn more about how we can assist you.

  • What is disability insurance?

    Disability insurance provides financial protection to individuals who are unable to work due to disabling conditions. It offers income replacement when you can't work.

  • Why do insurance companies deny disability claims?

    Insurance companies may deny claims due to a variety of reasons, including inadequate evidence, policy disputes, or the perception of pre-existing conditions.

  • How can DL Law Group help with my disability claim?

    We specialize in handling disability insurance claims, offering assistance at all stages, from filing a claim to appealing a denial or filing a lawsuit.

  • What is a contingency fee basis for legal fees?

    A contingency fee means you only pay legal fees when we successfully resolve your case. There are no upfront costs.

  • Do I need an attorney for my disability claim?

    Having an experienced attorney can significantly improve your chances of success, as we understand the complexities of disability insurance claims.

  • Can I schedule a free consultation with DL Law Group?

    Yes, we offer free initial consultations to discuss your case, regardless of how long it takes.

  • What if my insurance policy is covered under ERISA?

    ERISA-covered policies, often provided by employers, have different legal considerations. Our ERISA attorneys can guide you through alternative legal routes.

  • Will you take my case to trial if necessary?

    Yes, we are willing to take your case to trial if it's in your best interests.

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Consultations are FREE! No fees unless the case is won.

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  • What is disability insurance?

    Disability insurance provides financial protection to individuals who are unable to work due to disabling conditions. It offers income replacement when you can't work.

  • Why do insurance companies deny disability claims?

    Insurance companies may deny claims due to a variety of reasons, including inadequate evidence, policy disputes, or the perception of pre-existing conditions.

  • How can DL Law Group help with my disability claim?

    We specialize in handling disability insurance claims, offering assistance at all stages, from filing a claim to appealing a denial or filing a lawsuit.

  • What is a contingency fee basis for legal fees?

    A contingency fee means you only pay legal fees when we successfully resolve your case. There are no upfront costs.

  • Do I need an attorney for my disability claim?

    Having an experienced attorney can significantly improve your chances of success, as we understand the complexities of disability insurance claims.

  • Can I schedule a free consultation with DL Law Group?

    Yes, we offer free initial consultations to discuss your case, regardless of how long it takes.

  • What if my insurance policy is covered under ERISA?

    ERISA-covered policies, often provided by employers, have different legal considerations. Our ERISA attorneys can guide you through alternative legal routes.

  • Will you take my case to trial if necessary?

    Yes, we are willing to take your case to trial if it's in your best interests.

CLIENT TESTIMONIALS

Why Choose DL Law Group?


At DL Law Group, we understand that when your insurance claim is wrongfully denied, it’s more than just a legal issue, it’s personal. Below are the key benefits we offer our clients because you deserve more than just representation. You deserve a legal team that listens, stands up to powerful insurance companies, and puts your needs first every step of the way. 


Leaders in Insurance Law 

We’ve built a strong reputation as experts in handling complex insurance bad faith cases and serving as trusted ERISA advocates. With a deep understanding of evolving insurance laws and years of focused experience, we deliver results that set us apart in the legal community. 


Powerful Resources 

We are aware of the tactics insurance companies employ to delay or deny valid claims. DL Law Group brings the legal firepower, experienced staff, and financial strength needed to level the playing field. 


Trusted Reputation 

We are well-respected throughout the legal and insurance communities. Judges, opposing counsel, and insurance carriers recognize our name and know we don’t back down. 


Client-Centered Advocacy 

Our clients often tell us we made a lasting difference in their lives. At DL Law Group, we combine legal excellence with genuine compassion. When we take your case, it’s because we believe in it. You can count on us to fight relentlessly for the justice you deserve. 


Leaders in Insurance Law 

We’ve built a strong reputation as experts in handling complex insurance bad faith cases and serving as trusted ERISA advocates. With a deep understanding of evolving insurance laws and years of focused experience, we deliver results that set us apart in the legal community. 


Client-Centered Advocacy 

Our clients often tell us we made a lasting difference in their lives. At DL Law Group, we combine legal excellence with genuine compassion. When we take your case, it’s because we believe in it. You can count on us to fight relentlessly for the justice you deserve. 


Trusted Reputation 

We are well-respected throughout the legal and insurance communities. Judges, opposing counsel, and insurance carriers recognize our name and know we don’t back down. 


Powerful Resources 

We are aware of the tactics insurance companies employ to delay or deny valid claims. DL Law Group brings the legal firepower, experienced staff, and financial strength needed to level the playing field. 

Denied Disability Benefits? We’re Here to Help

When a disability insurance claim is denied, delayed, or undervalued, it puts your financial stability and your future at risk. At DL Law Group, we stand up to insurance companies that fail to honor their promises. Contact us today, and let us work to protect your income and peace of mind.

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