Liberty Mutual/Lincoln National Disability Claim Denials

Have you had your claim for life, disability, or health insurance denied, disputed, or delayed by a company under the Liberty Mutual or Lincoln National Corporation banners?

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Insurance Companies We’ve Challenged
  • Unum Provident
  • Unum Life
  • Metlife
  • Sunlife
  • Cigna
  • The Guardian
  • Hartford
  • Mutual Of Omaha
  • New York Life
  • Thrivent
  • Provident
  • Paul Revere
  • Reliance
  • Prudential
  • Lina
  • Liberty Mutual
  • Transamerica
  • Aetna
  • Standard
  • Reliance Standard
Why Do People Turn to Us?
Hardworking Americans like you turn to us every single day because they trust us to fight for them. Our company is dedicated to ensuring these massive multi-national insurance companies do not take advantage of individuals in their time of need. That means we will do everything we can to make sure you get the compensation you deserve – starting with sympathetic advice and guidance and continuing through to the aggressive and authoritative representation you need.

Rest assured: When Ronstadt Law takes your case, your best interests become our No. 1 priority.

Why Hire Us?

Our services can be made available to you on a no-win, no-fee basis.

We have successfully handled hundreds of disability and other insurance claim denials throughout the years.

Your satisfaction is essential – if you are not happy, then neither are we.

Ronstadt Law is held in high regard across the legal world for the quality of our advice and representation.

We take on any type of insurance case – including the most complicated, those that require federal court litigation, and bad faith cases


Liberty Mutual Insurance and Lincoln National Corporation

Liberty Mutual is the world’s sixth-largest property and casualty insurance group and is ranked No. 78 on the Fortune 100 listing.

Lincoln National Corporation has more than 16 million customers across its various subsidiaries and is listed on the Fortune 200.

This means these two groups take in hundreds of millions of dollars every single year. Unfortunately for you, they are much less inclined to pay the money back out – even when the claim is perfectly justified.

That is because it actually costs these companies less to retain teams of lawyers and fight claims than it does to pay them: They know that, for most of us, fighting back seems like an impossible task.

Don’t let them win.

Ronstadt Law will be your David to the Lincoln and Liberty Goliaths. We make it our mission to make sure you get what you are due in a reasonable timeframe.

Why Do Liberty and Lincoln Insurance Companies Delay Claims?

The simple answer is profit. These multinational companies take your premiums, group them with those of other customers, and invest heavily in global markets. Much of the annual revenue for a company of this size actually comes from those investments – so the longer they can keep your money, the more they can make.

What Can You Do When Liberty Mutual or Lincoln National Denies Your Claim?

The best thing you can do is get help. The team at Ronstadt Law has the experience, skill, and hunger to help you hold these (and other) insurance companies accountable for their actions. A common technique that is used by an insurance company to deny your claim is known as ‘bad faith’: this is when they look for any loopholes, ambiguities, or possible misinterpretations in your terms and conditions to deny your claim. This is an illegal practice, and we want to put a stop to it.

Liberty Mutual and Lincoln National Appeals Process

The first step when you have your claim denied is to lodge a formal appeal. This must be made in writing and is contingent on strict requirements and deadlines being met. The best way to ensure that you do not fail at this first hurdle is to work with an established long-term disability attorney – like the ones at Ronstadt Law.

The Types of Cases We Manage

Long-Term Disability Claims
Long-Term Disability Claims
Long-Term Care Claims
Long-Term Care Claims
Life Insurance Claims
Life Insurance Claims
Insurance Bad Faith
Insurance Bad Faith
Insurance Appeals
Insurance Appeals
When to reach out to an attorney for help.
Always consult with a disability attorney before submitting appeals. The strength of a lawsuit depends on the quality of the appeal.
Insurance companies want you to give up – they save money when you do. Don’t give up! We routinely go up against insurance companies and know what it takes to get your benefits. With so much at stake to protect your livelihood, don’t go at it alone.
Most firms do not provide continued support after your case is won, but we do. We provide you with additional care and protection, because insurance companies use tactics to avoid paying disability benefits after claims are won.

Ronstadt Law Leadership Team

Erin Ronstadt
Founding Partner
Kyle Shelton
Kyle Shelton
Senior Partner
five star
Ray Ortega | July 2021
In 2020 I was dealing with a Long Term Disability (LTD) appeal issue with my private LTD provider. After exhausting “in house” appeal methods to no avail, I decided I needed to seek a professional legal team to assist me with my appeal.

I performed an internet search in the Phoenix area and read through several Disability Attorney websites and advertisements. I decided to reach out to Ronstadt Law and supply them with my basic information to have the firm perform an evaluation on my appeal case.

I received a very quick response on my evaluation we started the ball rolling on building information for my appeal. I was in possession of
numerous documents for my LTD appeal; Erin and her staff worked with me to receive these documents for my case file.

Throughout my appeal process, Erin and her staff allowed me to work hand-in-hand with them to provide comments on insurance documents provided by my LTD provider. This allowed me to stay actively involved in my case and to assist in providing responses to the provider.

Erin and her staff were very knowledgeable, professional, and courteous all the way to our settlement. We settled out of court in the summer of 2021. I highly recommend Ronstadt Law for anyone who has need for legal counsel pertaining to disability issues.


I sure picked the right Firm!

100% Free Case Evaluation

If you believe that Liberty Mutual, Lincoln National, or another insurance company is denying, delaying, or diminishing your legitimate claim, then get in touch now. We offer you a completely free, no-obligation, and no-pressure consultation to review and understand your case.
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