We do not handle social security disability claims
Recent Post

Do You Need a Lawyer For a Disability Insurance Claim?

Justin Frankel
June 25, 2023 | Disability Insurance Claims
Over $250 Million Recovered for Our Clients

Key Takeaways:

  • A disability insurance attorney can help navigate the complicated claim and appeal process against giant insurance companies.
  • Some common pitfalls when filing for disability include failing to show comprehensive medical records that demonstrate a medical condition that prevents one from working, as well as missing eligibility deadlines.
  • Our law firm is willing to stand up against insurance companies and fight for the benefits you deserve nationwide.
  • The claims process generally takes about 60 to 120 days to complete, while the appeals process for reconsideration most often takes about 90 days.

Disability insurance claims can be complicated for the average person who is typically more focused on learning to live with their disability. However, even minor mistakes throughout the process could lead to claims being rejected, so it is always best to have a lawyer by your side when filing for disability. Take a closer look at what a disability insurance lawyer does, and discover how their services could benefit your claim.

The Risks of Filing a Disability Insurance Claim Without a Lawyer

When filing a disability claim without a lawyer, people often face common pitfalls that lead to their claim being ultimately denied. For example, people sometimes fail to provide all the necessary documentation to serve as evidence of their impairment, such as medical records and their overall inability to work. In other cases, individuals may miss critical deadlines for filing, compromising their ability to get any benefits. Insurance companies often rely on claimants failing to appropriately “pack the record” (include as much evidence as possible) when they file an appeal. Having a lawyer by your side can help prevent these common mistakes.

Related article: What You Need to Know Before You File for Disability

How an Attorney Can Streamline Your Disability Insurance Claim

You need your disability benefits to come as soon as possible, and streamlining your claim with help from an attorney is a great way to expedite the process. In addition to knowing how to avoid the most common pitfalls, an attorney will be experienced in gathering the necessary evidence to make your claim as strong as possible right from the initial filing. This can include actively communicating with health care providers and employers to gather details on why a disabled person cannot properly perform their occupational duties.

Negotiating with an insurance company can be daunting without help from an attorney, and poor negotiations can significantly slow down the process. An attorney will negotiate on your behalf with the experience necessary to advocate for you and your rights while avoiding the common traps insurers like to lay for claimants.

woman with her leg up in a cast reading her disability letter

Related article: ERISA vs. Private or Individual LTD: Important Differences

  • We can carefully assist you in preparing a disability insurance claim and appeal in order to develop a strong administrative record for a potential lawsuit.
  • When the insurance company tries intimidation and tactics to deny or delay your disability insurance claim, we will challenge the surveillance, peer review reports, independent medical examinations, functional capacity evaluations, field visit interviews, and vocational reviews.
  • We can advocate for you after your appeals are denied and file a lawsuit on your behalf.
  • If your disability insurance claim is being reviewed or is terminated, we will work on your behalf to continue your benefits.
  • We will prepare and file a persuasive and comprehensive short-term disability insurance claim to assist with any potential long-term disability insurance claim.

The Importance of Legal Assistance in Denied Insurance Claims

Filing an insurance claim is challenging enough, but the appeals process can be even more difficult to navigate. Having a lawyer on your side can help with negotiations and evidence gathering. Getting denied is already tough, but a delay in getting the benefits you need can have serious consequences.

What to Look For in a Disability Insurance Lawyer

When searching for a disability insurance lawyer, the most important aspect to look out for is experience in this particular niche. Your best bet is to opt for a lawyer who has specifically worked with long-term disability insurance claims and appeals in the past. Ideally, this practice should be one of your lawyer’s primary focuses. At the Law Office of Justin Frankel, we dedicate our entire practice to disability insurance claims.

How Much Does a Disability Insurance Lawyer Cost?

The cost of hiring a disability insurance lawyer varies from case to case. The only way to get an accurate estimate of the costs is to consult with a lawyer about the details of your case. The Law Office of Justin Frankel additionally offers free consultations, so don’t hesitate to reach out and discuss the options for your case.

Why Our Clients Trust The Law Office of Justin Frankel

The Law Office of Justin Frankel offers legal services that allow you to work directly with a top partner and take advantage of 20+ years of experience working dedicatedly on long-term disability insurance claims.

Our practice is committed to helping clients nationwide with their disability insurance issues. That is all we do, and we love doing it. With more than $250 million in compensation won for clients in the past, we can help with your disability claim as well. Take a closer look at what some of our previous clients had to say about our services.

Related article: We Overturn Lincoln’s Denied Claim for a Master Builder/Project Manager


“Dialing the number to the Law Office of Justin Frankel was a moment of uncertainty for me, questioning if distance alone could affect the quality of service. However, from that very first conversation, any doubts quickly vanished. Justin and his team instantly made me feel valued and heard despite the miles between us. Justin’s professionalism and expertise shone through the phone as he skillfully addressed my concerns and provided guidance that left me feeling reassured and supported. Without hesitation, I highly recommend Justin and his team to anyone seeking his expertise and support. Thank you, Justin and Christina, for your unwavering commitment to excellence!” – Anthony O.

Standing Up For You Against Insurance Giants

Insurance companies make their money by denying you as many benefits as they feel they can get away with. At the Law Office of Justin Frankel, we stand up for you against insurance companies to help you receive the benefits you need. Contact our team today by calling 888-583-4959 or filling out our online contact form to schedule a free case evaluation.

Frequently Asked Questions

How Long Does the Process of a Disability Insurance Claim Take?

The disability insurance claims process generally takes between 60 and 120 days. When you make an appeal, the insurance company legally has 45 days to issue a determination regarding the appeal unless they have a reason to extend that time period. They will almost always find a reason to extend it, which adds another 45 days. That 90-day time frame, however, is the limit, so they must issue a determination regarding your appeal within 90 days.

Can I File a Disability Insurance Claim for a Mental Health Condition?

You can file a disability insurance claim for a mental health condition based on how your policy defines a qualifying disability. Most employer-issued policies have a 24-month limit on how long benefits can be provided for such a condition.

Justin C Frankel

Written By Justin Frankel

Disability Insurance Lawyer

Justin C. Frankel is committed to fighting for the rights of clients when their long term disability insurance claims have been denied, delayed or terminated.

Client Testimonials

Rating stars 5.0 Average on Martindale & AVVO
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  • “OK, now that I have had a chance to calmly review the documents, I just wanted to thank you for all of your help. I am certain that if I would have tried to do this myself, I would not have had th…
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