Assurant Disability Denials & Unfair Practices
Insurance companies like Assurant exist to generate profits for their executives and shareholders. This wealth may be generated at the expense of policyholders through long-term disability (LTD) insurance denials.
Assurant has a legal obligation to honor the terms of their insurance policies. When they deny a legitimate claim, they may be acting in bad faith.
Find out more about Assurant disability denials:
- Assurant, a Fortune 500 Company, recorded over $11 Billion in revenue in 2024 alone. Despite this, the company has faced multiple lawsuits involving unfair claim denials, often seen as attempts to protect their profits.
- In Colby v. Assurant Employee Benefits et al., an anesthesiologist developed a fentanyl addiction following a herniated disc. The risk of relapse drove her to file a claim for LTD benefits, but Assurant denied her claim.
- A court ruled in Dr. Colby’s favor and stated that the denial of her claim was “arbitrary and capricious.” Assurant was ordered to pay 36 months' worth of retroactive benefits.
- If Assurant wrongfully denied your long-term disability claim, you have the right to file an appeal. If your appeal is unsuccessful, you may be able to file an Assurant lawsuit.
Assurant has a powerful legal team defending their interests, but our experienced long-term disability attorneys can help to level the playing field and fight to overturn wrongful denials.
At Sokolove Law, we’ve secured over $141 Million for families affected by wrongful denials. If Assurant denied your claim, contact us now to see if we may be able to seek the benefits you’re owed.
We've helped clients across the country challenge their insurer's decision and secure the benefits they deserve.
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Why Does Assurant Not Pay Disability Claims?
In some cases, there are valid reasons why a disability claim might be denied, like missing information. However, Assurant claim denials may be unjust, leaving you without the benefits you're entitled to.
Assurant may deny your long-term disability benefits by arguing that:
- You failed to disclose a pre-existing health condition
- Your medical examinations were inadequate or inconclusive
- There were problems with your paperwork or documentation
- Your medical condition doesn’t prevent you from performing your duties at work
- Your condition doesn’t meet the policy’s specific definition of a covered disability
A denial is not final. If your Assurant long-term disability claim or appeal was denied, you may still have legal rights and options to secure the compensation you need.
Our Assurant disability benefit lawyers can help you gather the evidence needed to build a strong appeal and potentially reverse the insurer’s decision.
“Thanks to Sokolove Law, we won the battle against my insurance company. Now, I have the support and financial security I need to focus on my health and well-being. I’m grateful for their help and would recommend them to anyone facing a similar struggle.”
– Engineer with a Denied Disability Claim
How to File an Assurant Long-Term Disability Appeal
Appealing an Assurant disability denial can be difficult to do on your own, especially when you know companies like Assurant may be looking for any reason to deny your claim for benefits.
Our LTD attorneys may be able to help you file an Assurant appeal by:
- Reviewing your denial letter to understand the specific reasons Assurant cited for denying your claim
- Gathering additional evidence, like updated medical records or documentation, to strengthen your case
- Preparing and submitting all necessary paperwork to Assurant on your behalf
- Communicating with the insurer to clarify requests, address procedural issues, and advocate for approval
- Requesting a second appeal if your initial Assurant appeal is denied
“We can help navigate the complex appeal process and work to minimize any disruptions to your life while maximizing the amount of potential disability pay in your case.”
– Ricky LeBlanc, Managing Attorney at Sokolove Law
After you’ve gone through the appeals process, your legal team may submit a complaint with your state’s Insurance Department to lay the groundwork for an Assurant lawsuit.
Our attorneys can handle every step of the legal process on your behalf — at no out-of-pocket cost to you.
Call (800) 995-1212 now to find out more about your options after an Assurant claim denial. It costs nothing to speak with us.
Assurant Lawsuit for Denied Disability Claims
Once you’ve exhausted the long-term disability denial appeals process, your attorney may be able to file an Assurant lawsuit on your behalf.
Filing an Assurant lawsuit generally involves preparing a detailed complaint, collecting evidence that shows you’re unable to work due to your disability, and outlining why your insurer wrongfully denied your benefits.
Throughout this process, we’ll work to negotiate Assurant settlements on your behalf. If a settlement isn’t reached, we’re prepared to argue your case in court and pursue compensation from a trial verdict.
A successful Assurant lawsuit could result in back pay for past-due benefits, reinstatement of your monthly payments, and, in some cases, additional damages if your insurer is found to have acted in bad faith.
By working with Sokolove Law, you can even the playing field and put pressure on Assurant to pay you what you’re owed, whether in the form of benefits, an Assurant lawsuit settlement, or a trial verdict.
Why Choose Our Assurant Appeal Lawyers?
At Sokolove Law, our Assurant appeal lawyers are committed to seeking justice for those who were wrongfully denied the benefits they deserve.
We can handle the process of filing an Assurant appeal or lawsuit for you, so you can focus on your health and well-being.
Find out why clients trust our Assurant disability lawyers:
- Over 45 years of experience standing up to powerful insurance companies
- No upfront costs or hourly fees
- Positive reviews from past clients
- Able to help families in all 50 states
- More than $141 Million recovered in wrongfully denied LTD benefits
We’re here to listen to your situation, clarify your insurance policy, and fight to protect your legal rights.
Do I Need a Lawyer for an Assurant Disability Appeal?
Working with a lawyer to file your Assurant disability appeal may increase your chances of securing compensation for medical bills and other expenses while you’re unable to work.
An Assurant disability attorney can help you:
- Evening the Playing Field: By partnering with a national law firm like Sokolove Law, you’ll gain access to the resources needed to stand up to Assurant and ensure your case is taken seriously.
- Filing an Undeniable Appeal: We’ll gather additional evidence, like updated test results, statements from coworkers, and reports from physicians, to build a strong appeal on your behalf.
- Improving Your Chances of Success: With an experienced attorney on your side, you can get help identifying errors in the insurer’s review, correct misrepresented job duties, and challenge inaccurate conclusions to maximize your likelihood of approval.
At Sokolove Law, we’ve successfully helped clients recover denied benefits for over 45 years. We know the tricks these companies use and how to combat them.
Get Help Fighting an Assurant Disability Denial
Navigating an Assurant disability denial can be complicated, stressful, and time-consuming — but you don’t have to do it on your own.
Our Assurant appeal attorneys are here to help you understand the fine print of your policy, identify any errors in the insurer’s decision, and collect the evidence needed to file a strong appeal on your behalf.
There is no financial risk when you work with Sokolove Law. We only get paid if we secure compensation on your behalf.
Our team understands how important these benefits are for you and your family, which is why we’ll work to get your claim reviewed and resolved as quickly as possible.
Call (800) 995-1212 now or fill out our contact form to get started with a free, no-obligation case review.
Assurant Claim Denied FAQs
Does Assurant deny long-term disability claims?
Yes. Multiple lawsuits have been filed against insurance providers like Assurant for wrongfully denying long-term disability claims.
Assurant lawsuits for denied disability benefits include:
- Beamon v. Assurant Employee Benefits et al.: An employee of Murco Foods Inc. was placed on medical leave after a work-related injury and initially received disability benefits, but he later filed a lawsuit after Assurant withheld further payments.
- Colby v. Assurant Employee Benefits: A doctor in recovery from addiction sued Assurant after they denied her LTD claim, which she filed due to the high risk of relapse if she returned to work. The insurer was ordered to pay her 3 years' worth of back benefits.
- Hudson v. Assurant Employee Benefits et al.: After Assurant cut off benefits to a recruiter with arthritis in her thumb and degenerative damage in her neck, she filed a lawsuit against the insurer.
- Salisbury v. Assurant Employee Benefits: A hospital employee filed an Assurant lawsuit after her LTD benefits were withheld.
If your LTD claim was denied, our Assurant denial lawyers may be able to help you appeal their decision. Get started now with a free case review.
Assurant denied my claim — what should I do now?
If Assurant denied your LTD claim, reach out to a long-term disability denial attorney for help filing an appeal or lawsuit and potentially recovering the benefits you deserve.
With experienced legal help on your side, you can focus on your health and recovery while we focus on the appeals process.
Can I file an Assurant lawsuit for long-term disability denial?
In some cases, yes. If Assurant denied your long-term disability claim and you’ve already gone through the appeals process, you may be able to file a lawsuit against Assurant for disability denial.
Call (800) 995-1212 now to find out if you may be eligible to take legal action following your claim denial.
Does ERISA apply to Assurant long-term disability claims?
Yes. Most long-term disability claims administered by Assurant are governed by ERISA, or the Employee Retirement Income Security Act.
ERISA sets the rules for how disability claims and appeals must be handled, including deadlines, documentation requirements, and your right to a full review of a denied claim.
Despite the protections established by ERISA, insurance companies like Assurant may still wrongfully deny LTD claims. However, our Assurant ERISA attorneys may be able to help you fight back.
How much does an Assurant Company denial attorney charge?
At Sokolove Law, there are no upfront costs or hourly fees to work with our Assurant denial attorneys. We operate on a contingency-fee basis, which means you pay nothing unless we secure compensation for your family.
