Minnesota Long-Term Disability Lawyer

Disability Insurance Denial in Minnesota

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.

Over 60% of disability claims are initially denied, according to the U.S. Social Security Administration (SSA). An experienced disability attorney in Minnesota can help you fight back and seek the benefits you're owed.

“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 present your case in court if needed. Contact us now to see if our disability denial lawyers can help you pursue the compensation you deserve.

Minnesota Long-Term Disability Insurance Denial

Long-term disability insurance in Minnesota 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

If your claim was wrongly denied, it’s important to act fast so you don’t miss your chance to file an appeal.

Get a free case review now to see if our Minnesota long-term disability attorneys can fight for the benefits you’re owed.

Social Security Disability Lawyers in Minnesota

Many employees contribute to the government’s Social Security Disability Insurance (SSDI) program with every paycheck.

If you were denied SSD benefits, a Minnesota social security disability lawyer can handle the complex paperwork required to appeal your denial. Let us help you secure the benefits you deserve from the SSA.

Minnesota VA Disability Appeal Lawyer​

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. Armed Forces and were later denied military disability benefits by the VA, our veterans disability lawyers in Minnesota 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 Minnesota?

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 Minnesota, you may still have options to challenge the decision and pursue the benefits you deserve.

What a Disability Insurance Attorney in Minnesota Does

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

At Sokolove Law, our team will handle every step of the appeal process for you, so you can focus on your health. Our goal is to minimize the disruptions in your life and maximize the compensation you may receive.

1. Contact Sokolove Law After an LTD Claim Denial

If your long-term disability claim is denied, a Minnesota bad faith insurance 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 remedy any administrative errors or technicalities set in place by the insurance company

We’ll use this evidence to present a strong case on your behalf and show that the insurance company wrongly denied your claim.

3. We'll File Your LTD Appeal

Minnesota long-term disability law allows 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 Minnesota 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.

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 Minnesota denied disability attorneys may be able to file a lawsuit on your behalf and fight for your benefits in court.

Our Past Minnesota 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 Minnesota.

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

• $1.36 Million for a client with chronic fatigue syndrome and fibromyalgia
• $1.21 Million to a man with a denied The Hartford LTD claim
• $800,000 for a denied Unum long-term disability claim
• $675,000 to a client facing an unfair LTD denial
• $400,000 for a long-term disability insurance denial case
• $450,000 to a client who was denied disability benefits
• $1.15 Million for a woman with a denied disability claim

A Bloomington woman was denied LTD benefits after her insurer argued she could work if she could bend her knee. She contacted our Minnesota disability lawyers, and we secured over $133,000 on her behalf.

While there’s never a guarantee of success, long-term disability settlements 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 Minnesota Disability Appeal Lawyers

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

Our Minnesota 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 Minnesota 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.

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

Minnesota 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 Minnesota and across the country have found that Aetna may wrongfully deny or delay benefits.

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

Minnesota 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.

Minnesota 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 Minnesota 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.

Minnesota 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.

Minnesota 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 Minnesota 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.

Minnesota 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 Minnesota MassMutual disability lawyers can gather the evidence needed to prove your condition qualifies as a disability under your policy.

Minnesota 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 Minnesota 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

Minnesota 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 Minnesota 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.

Minnesota 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 Minnesota 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 Long-Term Disability Lawyers in Minnesota Fight For You

At Sokolove Law, our Minnesota disability attorneys have the resources and experience needed to help you appeal a denied long-term disability claim.

There are no upfront costs or hourly fees to work with our team. We only get paid if your case results in compensation.

Call (800) 995-1212 now or fill out our contact form to see if you can get help filing an appeal and standing up to your insurance provider.

Long-Term Disability Attorney in Minnesota FAQs