Disability Insurance Attorneys

Put Decades of Experience in Your Corner

At Dabdoub Law Firm, we exclusively specialize in long-term disability, short-term disability, and life insurance claims. This is all we do. With our focus on these areas, we have built a track record of success, navigating even the most complex insurance cases and securing wins for our clients in federal court.

We represent clients nationwide, taking on every major insurance company and overcoming their tactics to deny claims. Call (800) 969-0488 or contact us online to request a FREE consultation.

Insurance Cases We Handle

Long-Term Disability Insurance Cases

Our firm has extensive experience handling long-term disability (LTD) cases for individuals who are unable to work due to injury or illness. LTD insurance policies are often issued as part of employee benefits packages and are governed by the Employee Retirement Income Security Act (ERISA). 

These cases can be complex, involving extensive medical evidence and battling insurance companies who are more focused on protecting their profits than paying rightful claims. We know how to handle the common tactics used by insurers to deny or delay benefits, and we have strategies that get our clients the benefits they deserve.

Individual Disability Insurance and Own Occupation Cases

Individual disability insurance (IDI) policies are often purchased privately by high-income professionals such as doctors, lawyers, and executives. One of the most critical distinctions in IDI cases is the “own occupation” definition, where a person is considered disabled if they are unable to perform their specific job. 

This law firm was built to win IDI cases. These cases require careful navigation of policy language, medical evidence, and a very high level of expertise in understanding the insurance policy’s terms and law. We have the experience and expertise needed to get our clients their disability insurance benefits.

Short-Term Disability Insurance Cases

Short-term disability (STD) benefits are meant to provide financial support when a medical condition prevents you from working. STD can be used for a temporary disability or as the first step before a long-term disability claim.

Like LTD cases, short-term disability claims can involve extensive documentation and opposition from insurance companies. Our firm works with clients nationwide to secure these critical benefits, whether through employer-provided plans or private insurance policies. We navigate these policies to ensure that claims are properly filed, and we handle appeals if benefits are wrongfully denied.

Life Insurance Claims

Losing a loved one is difficult enough without having to fight for the life insurance benefits they earned. Whether through an employer-provided group policy or an individual life insurance plan, our firm handles claims where insurance companies refuse to pay or delay payments. 

We help beneficiaries recover the life insurance money owed to them, dealing with complex policy terms and handling denial of coverage due to alleged misstatements in the application for life insurance, alleged nonpayment of premiums for life insurance, and other insurance tactics meant to reduce payouts.

Accidental Death & Dismemberment (AD&D) Cases

In addition to standard life insurance claims, we have expertise in Accidental Death & Dismemberment (AD&D) cases. ADD claims involve specific and complex provisions in the insurance policy regarding how death or injury occurred. 

Insurance companies frequently contest these claims by arguing that the cause of death was not accidental. We have successfully recovered AD&D benefits for our clients by thoroughly investigating claims and challenging the insurance company’s interpretations. 

Long- Term Care Claims

Long-term care insurance is meant to cover the costs of extended care services, such as nursing home stays, home health care, or assisted living, when an individual is no longer able to perform basic daily activities. Unfortunately, insurance companies often deny these claims, arguing that the policyholder does not meet the eligibility criteria or that the level of care required does not justify coverage. 

At Dabdoub Law Firm, we have experience handling denied long-term care claims, fighting back against insurance companies that wrongfully deny coverage for much-needed care. If your long-term care insurance claim has been denied, we are prepared to challenge that denial and help you get the benefits required for your or your loved one’s care.

Complex Insurance Cases: Uniquely Qualified to Handle the Toughest Cases

Some insurance claims are more complicated than others. We have a deep understanding of complex cases that involve unique challenges or specialized policies. 

Here are some of the specialized cases we handle:

Lloyd’s of London Disability Cases

Lloyd’s of London is known for providing specialized insurance, including disability policies for high-net-worth individuals or professionals with unique coverage needs. These policies can involve complex underwriting, and claims under Lloyd’s policies often face heavy scrutiny. Dabdoub Law Firm has handled Lloyd’s of London disability cases, ensuring that our clients receive the benefits they are entitled to, even in the face of international and specialized insurance regulations.

Physician Disability Insurance Cases

Physicians and surgeons are particularly vulnerable to career-ending disabilities due to the physical demands of their work. Our firm is highly experienced in physician disability claims, including own occupation cases for doctors. We understand the medical and professional challenges these clients face and how important it is to secure the right disability coverage. We have successfully handled claims for medical professionals, making sure that their disability benefits reflect the true extent of their condition and the impact on their careers.

Waiver of Life Premium (WOLP) Cases

ERISA Waiver of Life Premium (WOLP) cases can arise when someone becomes disabled and can no longer pay the premiums on their life insurance policy. Under many ERISA-governed life insurance plans, policyholders are entitled to have their premiums waived if they meet specific disability criteria. Until that happens, employers might be required to continue paying premiums to keep life insurance coverage in effect.

These cases often involve disputes over the policyholder's disability status or the insurance company’s refusal to honor the waiver provision. Life insurance claims are often denied by insurance companies alleging the life insurance coverage ended.

Because of our expertise, we have successfully handled life insurance claim denials after a disabled person passed away. We have also helped clients with WOLP cases, ensuring that clients’ life insurance policies remain active without the burden of premium payments during a period of disability.

Nationwide Representation with Proven Results

At Dabdoub Law Firm, we represent clients across the country in disability and life insurance disputes. Whether your case involves long-term or short-term disability, life insurance, or a complex claim like those mentioned above, we have the experience and expertise to win the benefits you deserve.

We take on every major insurance company, including NY Life, Prudential, Lincoln Financial, UNUM, and others. With years of experience and countless victories, we know their tactics, and we know how to fight back. 

Our track record of success in federal court proves that we know how to win.

Why Choose Dabdoub Law Firm?

• We Exclusively Specialize in Disability and Life Insurance: Disability and life insurance claims are all we do, giving us a unique edge in handling these cases.
• Nationwide Representation: We handle cases for clients in every state.
• We Take on Every Insurance Company: With experience fighting all major insurance companies, we know their strategies and how to counter them.
• Proven Success in Federal Court: Our firm has a history of winning in federal court, even in the most challenging cases.

If you have a disability or life insurance claim, contact Dabdoub Law Firm today. We are here to help you fight for the benefits you deserve.