Disability Insurance Denial Lawyers

When a Disability Insurance Claim Is Denied, We Step In.

A denied disability insurance claim can disrupt your income, stability, and peace of mind. Many people are left confused by the denial and unsure what steps to take next.

At Dabdoub Law Firm, we represent individuals and families nationwide whose disability, life, and private insurance claims were denied, delayed, or terminated. We step in when insurance companies refuse to honor their policies — and we know how to push back.

For more than 20 years, our firm has focused on disability insurance denial cases. This focused expertise allows us to build strong cases efficiently, and hold insurers accountable for our clients.

Why Insurance Claims Get Denied

Insurance denials often come down to how a policy is interpreted and how evidence is evaluated, not whether a claim is truly valid.

Common reasons insurers deny claims include:

• Strict or one-sided readings of policy language
• Disputes over medical or factual support
• Reliance on insurer-selected reviewers
• Use of exclusions or technical requirements

These issues can feel overwhelming without legal guidance. Our role is to cut through the confusion and challenge the denial head-on.

Denied Claims We Handle Nationwide

Dabdoub Law Firm handles a wide range of denied disability insurance claims. Each type requires a different legal strategy, and we tailor our approach accordingly for each client.

Long-Term Disability (LTD) Claims

Insurance companies often deny long-term disability claims by saying you can still work or that your medical records aren’t enough. We challenge those decisions and fight for the benefits you’re owed.

Short-Term Disability (STD) Claims

Short-term disability claims are often denied quickly and with little explanation. Acting early can help protect your income and your future benefits.

Private & Individually Purchased Disability Policies

Individual disability policies follow different rules than employer provided disability plans. We help professionals and individuals challenge unfair denials under their own policies, many of which are what are commonly referred to as “own occupation” or occupation specific disability insurance. 

Life Insurance & AD&D Claims

Life insurance and accidental death claims are often denied when families are already grieving. Insurance companies may use technical reasons to avoid paying. We help families fight back and seek the benefits their loved ones planned for.

ERISA-Governed Group Policies

Many workplace disability plans follow strict federal rules. These cases must be handled carefully because mistakes can limit your ability to challenge the denial later.

Why Clients Turn to Dabdoub Law Firm

Insurance companies don’t reconsider denials unless they’re forced to—and that leverage comes from preparation and experience.

• 20+ Years Focused Exclusively on Disability Insurance & ERISA: This is all we do. That focus matters when insurance companies are looking for reasons to deny claims.
• Over $500 Million Recovered for Wrongfully Denied Claimants: We don’t just appeal denials — we recover real benefits for real people.
• Built to Win, Not Pressured to Settle Fast: Your claim is prepared as if it will go to trial to win the best possible outcome, limiting delays, pressure tactics, and underpayment.
• Proven Results Against Every Major Disability Insurance Company: We know how insurers review claims, attack medical evidence, and justify denials — and how to stop them.
• Resources to Stand Up to Billion-Dollar Insurers: Insurance companies have teams of lawyers and doctors. We have the experience and resources to match them.
• No Upfront Cost and Nationwide Representation: You pay nothing unless benefits are recovered. We represent clients in every state.

Insurance companies know our firm — and they know we’re prepared to fight and win for our clients.

What We Do When a Claim Is Denied

Our job is to take control of the process and protect you from the start. 

Depending on the claim, we may:

• Review your policy and denial letter
• Find weaknesses in the insurance company’s decision
• Gather strong medical and other supporting evidence
• Handle all communication and deadlines with the insurer
• Appeal denials with a written letter detailing the legal and medical arguments along with all the supporting evidence
• Take legal action in state or federal court if needed

Insurance claims leave little room for error. We make sure your case is positioned for the strongest possible outcome.

Start with a Free Consultation

If your disability or insurance claim was denied, delayed, or terminated, the next steps matter.

Dabdoub Law Firm offers free consultations to review your denial, explain your options, and outline a clear strategy. There is no upfront cost and no fee unless we recover benefits for you.

A denial doesn’t have to be the final word.

Contact Dabdoub Law Firm today at (800) 969-0488 to speak with an experienced disability insurance denial attorney.