Long-Term Disability Lawyers Chicago

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If you’ve suffered a serious illness or injury that prevents you from working, long-term disability (LTD) insurance is supposed to provide financial stability. But too often, insurance companies delay, underpay, or outright deny valid claims, leaving policyholders without the benefits they need.

At Reynolds& in Chicago, we focus exclusively on ERISA-governed disability insurance claims, helping individuals secure the long-term disability benefits they are entitled to. Whether you are applying for LTD benefits, facing a claim denial, or preparing an appeal, we are here to guide you through the process.

Understanding Long-Term Disability Insurance

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Long-term disability insurance is designed to provide income replacement when you are unable to work for an extended period due to a serious injury or medical condition. LTD benefits typically cover 50% to 70% of your salary, depending on the policy.

There are two key definitions of disability used in LTD policies:

  • "Own Occupation" Disability – You qualify for benefits if you cannot perform the duties of your specific job.
  • "Any Occupation" Disability – You must prove that you cannot perform any type of work to receive benefits.

Many insurance companies use these definitions to their advantage, shifting claimants from “own occupation” to “any occupation” status and cutting off benefits prematurely. We fight back against these tactics to ensure you receive the full duration of benefits under your policy.

  • Our expertise

Common Reasons for Long-Term Disability Claim Denials

Insurance companies often deny LTD claims using technicalities, policy loopholes, or insufficient medical evidence. Some of the most common reasons for denial include:

Lack of Medical Evidence

The insurer claims your condition is not severe enough.

Definition of Disability Disputes

The company argues you can perform another job.

Pre-Existing Condition Exclusions

They state your disability existed before coverage began.

Surveillance & Social Media Monitoring

The insurer uses photos or videos to dispute your claim.

Missed Deadlines

ERISA has strict appeal deadlines, and missing them can cost you your benefits.

At Reynolds&, our long-term disability lawyers in Chicago know the tactics insurers use to deny claims, and we have the experience to challenge them effectively.

  • Our Support​

How We Can Help

Applying for LTD Benefits

The initial application process is critical to securing LTD benefits. A weak or incomplete claim increases the risk of denial. We help you gather strong medical evidence, obtain physician statements, and submit a compelling claim from the start.

Appealing a Denied LTD Claim

If your LTD claim has been denied, you have the right to appeal—but you only have one chance to build a strong administrative record before your case goes to court. We will:

Obtain and review your insurance company’s claim file.
Gather additional medical and vocational evidence.
Consult with medical experts.
Submit a comprehensive, legally sound appeal.

Filing an ERISA Lawsuit

If your appeal is denied, the next step is litigation. ERISA lawsuits are highly technical and follow strict court procedures. We have extensive experience litigating against insurance companies and securing benefits for our clients.

Why Choose Our Long-term Disability Lawyers in Chicago?

Our focus on ERISA and employee benefits law gives us the experience and knowledge to handle complex long-term disability claims.
We Offer Transparent, Flat-Fee Pricing – No hourly rates, no surprises. Our appeal fee is $5,000, and litigation is contingency-based—you don’t pay unless we win.
We Fight for Maximum Compensation – Insurers often push for early settlements or partial benefits. We ensure you get the full amount you’re entitled to.
We Take a Personalized Approach – Every case is different, and we tailor our strategies to your unique situation and medical condition.

If your long-term disability claim has been denied, delayed, or unfairly reduced, you don’t have to fight alone.

Don’t Wait—Deadlines Matter in ERISA Cases

If your long-term disability claim has been denied, delayed, or unfairly reduced, you don’t have to fight alone.
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