Michigan Disability Claim Denial Lawyer

Disability Insurance Denial in Michigan

Insurance companies may wrongfully deny legitimate disability claims, leaving many victims feeling helpless. However, it’s important to remember that you have the right to appeal your insurance company’s decision.

Working with an experienced disability attorney in Michigan can help level the playing field between you and your insurance company. At Sokolove Law, we can inform you of your rights, guide you through the appeals process, and fight for you in court if you have a case.

“When I got sick and couldn't work anymore, my insurance company denied my long-term disability claim. I felt lost and betrayed. But then I found Sokolove Law. They listened and cared about my story. Now, I have the help I need to move forward.”
– Sokolove Law Client with a Denied LTD Claim

Our team can inform you of your rights, guide you through the appeals process, and fight for you in court if you have a case. Contact us now to see if our disability denial lawyers can help you pursue the compensation you deserve.

Michigan Long-Term Disability Insurance Denial

Long-term disability insurance in Michigan provides workers with compensation when they are too injured or sick to complete tasks required at their job.

Unfortunately, many long-term disability insurance providers are known for:

• Denying valid claims in order to protect their profits
• Creating a confusing claims process to encourage policyholders to abandon their claim or make errors
• Intentionally prolonging their decisions since appeals can’t be filed without a denial letter

Don’t wait until the deadline to appeal has passed. Contact us now to learn how a Michigan long-term disability attorney can help you fight for the benefits you are owed.

Social Security Disability in Michigan

Many employees contribute to the government’s Social Security Disability Insurance (SSDI) program with every paycheck. While these funds are set aside to help employees who have been unable to work for over 12 months due to a medical condition, the Social Security Administration (SSA) may wrongfully deny your claim.

If you were denied social security disability benefits, an attorney can help you deal with the complex paperwork required to appeal your denial.

At Sokolove Law, our social security disability lawyers in Michigan have the experience and skills required to assist you in securing disability benefits from the SSA.

Veterans Disability Denial in MI

Benefits for disabled veterans are offered through the U.S. Department of Veterans Affairs (VA). To be eligible for these benefits, you must:

• Have a service-related disability
• Not have been dishonorably discharged

If you served in the U.S. military and were later denied military disability benefits by the VA, our veterans disability lawyers in Michigan may be able to help you file an appeal.

Remember, denials are not the end of the claims process. You have the right to fight back by appealing your insurer’s decision.

Why Are Disability Claims Denied in Michigan?

Long-term disability claims are often denied on the first attempt, even when policyholders have a serious medical condition and supporting documentation.

Insurance companies may look for any reason to dispute a claim and avoid paying out benefits — sometimes relying on technicalities, narrow policy language, or selective interpretations of medical evidence.

Companies may deny LTD claims by alleging: 

• Your condition doesn’t meet the policy’s definition of a disability
• You are still able to perform essential tasks at work
• The medical records provided are insufficient or incomplete
• There are errors on your application for benefits
• Social media activity contradicts your stated disability

A denial doesn’t necessarily mean your claim is invalid. If your LTD claim was denied in Michigan, you may still have options to challenge the decision and pursue the benefits you deserve.

What Our Denied Disability Lawyers in Michigan Do

Insurance companies often have teams of legal professionals and billions of dollars at their disposal. By working with a denied disability lawyer in Michigan, you can even the playing field while fighting for the compensation you deserve.

At Sokolove Law, our attorneys for denied disability claims will strive to minimize the disruptions in your life and maximize the compensation you receive, so you can focus on your health.

1. Contact Sokolove Law After an LTD Claim Denial

If your long-term disability claim is denied, a Michigan disability lawyer  can help you understand why and develop a thorough appeal against the company’s decision.

At Sokolove Law, we’ve recovered millions of dollars for hundreds of clients facing denied disability claims. We know the ins and outs of these laws and the tactics insurance companies use to protect their profits.

Get a free, no-obligation case review now to see if we can help you fight back against your insurer’s denial.

2. We’ll Gather Evidence for Your Claim

Our team will determine why your insurance provider denied your claim and what additional information may be needed to change their decision.

To help strengthen your appeal, your legal team may:

• Get testimony from medical experts
• Gather statements from people who can assess how your impairment impacts your ability to work
• Obtain additional records to substantiate your injury
• Identify and fix any administrative errors or technicalities set in place by the insurance company

3. We'll File an Appeal on Your Behalf

Michigan long-term disability law allows for victims to appeal a denial from their insurance companies. In some instances, you may even be able to file a second appeal if your first was denied.

Our Michigan long-term disability attorneys can create a strong appeal on your behalf and file it within any deadlines. If you don’t file your appeal within these deadlines, you will not be able to pursue the benefits you deserve.

Don’t miss your chance to fight back. Contact Sokolove Law as soon as possible.

4. You Get Paid or We'll Fight in Court

If your appeal is successful, your insurance company will begin paying out your disability benefits. Depending on your policy, you may be able to receive back pay for any delays in the claims process as well.

If your appeal is unsuccessful, our Michigan denied disability attorneys may be able to file a lawsuit on your behalf and fight for your benefits in court.

Our Past Michigan Long-Term Disability Settlements

At Sokolove Law, we’ve recovered over $143 Million for clients who were wrongfully denied long-term disability benefits by their insurance providers — including many clients in Michigan.

Some of our past long-term disability denial settlements include:

• $1.36 Million for a client with chronic fatigue syndrome and fibromyalgia
• $509,000 for an Ann Arbor client with a denied disability claim
• $800,000 for a denied Unum long-term disability claim
• $1.15 Million for a woman with a denied disability claim
• $400,000 for a long-term disability insurance denial case
• $77,000 for a denied Cigna claim in Saint Clair Shores
• $395,000 for a denied long-term disability claim
• $450,000 for a client who was denied disability benefits
• $325,000 for an East Lansing client whose Unum LTD claim for depression was denied

A long-term disability settlement can help individuals and families pay for medical bills, daily living expenses, and more. This compensation often serves as much-needed financial relief for those who have been unable to work.

Find Out If You Qualify Now

Since 1979, Sokolove Law has helped thousands of families nationwide secure the compensation they deserve.

Get a Free Case Review

Types of Michigan Disability Appeal Lawyers

At Sokolove Law, our Michigan disability appeal lawyers can help clients fight back against many different insurance companies that act in bad faith by wrongfully denying legitimate claims.

Our Michigan disability appeal lawyers can help with cases involving: 

• Aetna
• AIG
• Allstate
• Anthem
• Assurant
• Assurity
• Berkshire
• Cigna
• Disability Management Services
• Guardian Life
• The Hartford
• Liberty Mutual
• Lincoln Financial
• Lloyd’s of London
• MetLife
• Mutual of Omaha
• New York Life
• Northwestern Mutual
• Principal
• Provident
• Prudential
• Reliance
• Sedgwick
• State Farm
• Sun Life
• The Standard
• UnitedHealthcare
• Unum
• Voya Financial

This list is not exhaustive. If your long-term disability insurance claim was denied but your insurer isn't listed above, we may still be able to help you file an appeal and seek compensation.

With over 45 years of experience, our Michigan disability lawyers know how to hold insurers accountable and maximize your chance of a successful appeal. Find out more about the types of cases we handle.

Michigan Unum Disability Lawyer

Unum, one of the largest disability insurance providers in the country, has previously been the subject of a multistate investigation over unfair claim denials.

Countless policyholders have faced delays or denials due to Unum’s over‑reliance on in‑house medical reviews, unfair interpretations of physicians’ reports, and failure to evaluate the full scope of a claimant’s medical condition.

Our Michigan Unum disability lawyers have helped many residents across the state secure the long-term disability benefits they’re entitled to.

Michigan Aetna Disability Lawyer

Aetna, which is owned by CVS Health, has faced scrutiny and legal challenges over how they handle long-term disability claims.

From misapplying preexisting condition exclusions to requiring excessive documentation for routine claims, courts in Michigan and across the country have found that Aetna may wrongfully deny or delay benefits.

At Sokolove Law, our Michigan Aetna disability lawyers have the experience and skills needed to stand up to powerful insurance companies with significant legal and financial resources.

Michigan ERISA Disability Lawyer

The Employee Retirement Income Security Act (ERISA) governs many employer-sponsored LTD insurance plans. The act provides certain protections for policyholders and establishes rules for how claims must be reviewed or appealed.

Our LTD attorneys can guide you through every step of the ERISA appeal process and fight for compensation on your behalf.

Michigan Guardian Disability Lawyer

Like other insurance companies, Guardian is legally required to act in good faith and handle disability claims fairly. However, court and regulatory records show that this is not always the case.

Over the years, the company has been fined millions of dollars for insurance violations and consumer protection offenses.

Our Michigan Guardian disability lawyers understand the denial tactics Guardian uses to avoid paying claims. We can help policyholders file an appeal or lawsuit to seek the benefits they’re owed.

Michigan Hartford Disability Lawyer

The Hartford is a major U.S. insurance company valued at over $36 Billion. For years, the company has faced accusations of wrongfully denying long-term disability benefits to policyholders who are too sick or injured to work.

In one case, our Hartford disability lawyers secured over $1.2 Million for a man whose LTD claim was denied by Hartford.

With an experienced attorney by your side, you can focus on your health while we handle every step of the appeal process on your behalf.

Michigan Lincoln Financial Disability Lawyer

Lincoln Financial saw a more than 45% increase in long-term disability sales between 2023 and 2024, making it one of the fastest-growing insurance providers.

As the company expands, more policyholders may face complex appeal procedures, strict documentation requirements, and delays in receiving the benefits they need.

At Sokolove Law, our Michigan Lincoln Financial disability lawyers have helped countless families fight back against unfair claim denials. We have what it takes to protect your rights and pursue the benefits you deserve under your LTD plan.

Michigan MassMutual Disability Lawyer

MassMutual provides long-term disability insurance to policyholders nationwide who are unable to work.

If this insurer denied your LTD claim, our Michigan MassMutual disability lawyers can gather the evidence needed to prove your condition qualifies as a disability under your policy.

Michigan MetLife Disability Lawyer

While MetLife LTD policies are meant to protect individuals who can’t work due to illness or injury, some policyholders have experienced unfair denials and other obstacles when filing a claim.

Our Michigan MetLife disability lawyers can help you challenge a denial by gathering additional medical and vocational evidence to strengthen your claim.

“After a tough legal battle, Sokolove Law achieved a favorable outcome, and I finally received the benefits I had paid for. I can’t express enough gratitude to them for being my ally in the fight.”
– Truck Driver with a Denied MetLife Claim

Michigan Prudential Disability Lawyer

Prudential provides long-term disability insurance to over 2 million Americans, with many depending on their policies to cover living expenses if they become unable to work.

Our firm has secured many results for Prudential policyholders facing denied LTD claims, including $540,000 for a pharmacist who was unable to work.

At Sokolove Law, our Michigan Prudential disability lawyers focus on cutting through complex policy language and insurer tactics to make sure your claim is reviewed fairly, so you can get the benefits you’ve paid for.

Michigan The Standard Disability Lawyer

The Standard claims to provide protection and financial well-being for policyholders, but complaints from individuals show a different reality.

Some policyholders have noted unfair claim denials, excessive documentation requirements, delayed payments, or burdensome proof-of-disability standards.

Our The Standard disability lawyers in Michigan understand how critical LTD benefits can be when an illness or injury prevents you from working. Let us help you navigate the appeal process and fight for compensation on your behalf.

Let Our Michigan Disability Attorneys Fight For You

Sokolove Law was founded in 1979, and since then, we’ve helped thousands of innocent people who were too sick or injured to work get the compensation they deserve.

If your disability benefits in Michigan were denied, you still have options.

Our experienced Michigan disability lawyers have recovered over $143 Million for individuals and families nationwide — and we may be able to help you too.

Get a free case review or call (800) 995-1212 now to learn if you can get help filing an appeal and standing up to your insurance provider.

Michigan Disability Denial Lawyer FAQs