The Guardian Disability Insurance Claim Denials

Has Your Guardian Life, Disability, or Insurance Claim Been Denied or Delayed?

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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?
There is a very good reason that our clients turn to us: they know that we will do whatever it takes to make sure that they are fairly compensated for any disability claims that they make. That is because we are passionate about what we do – our entire business is devoted to taking on insurance companies when they mistreat their customers.

If you have a disability insurance policy with The Guardian Life Insurance Company of America, and you feel that your claim is being mishandled, then get in touch with us today.

Why Hire Us?
We can take your case against The Guardian on a contingency basis – if we do not win, then you do not pay.

We have handled hundreds of long-term disability insurance claims.

Client satisfaction is at the core of all that we do – as evidenced by our fantastic online reviews.

We are highly regarded in the legal industry for the quality of our advice and representation.

No matter the complexity of your case, we can help – including federal court litigation and bad faith insurance cases.


The Guardian Insurance Company

The Guardian Life Insurance Company of America is one of the country’s largest companies, with hundreds of millions of dollars in revenue every year. That money comes partly from the pockets of everyday working Americans – you pay your premiums with the expectation of being insured.

Unfortunately, when it comes to actually receiving your payment in the event of making a claim, The Guardian will frequently delay, deny, or diminish your payout. They do this using ‘bad faith’ practices like reinterpreting ambiguous terms and conditions, dismissing medical evidence, or failing to communicate effectively with you. It works out cheaper for The Guardian to employ legal teams to fight your claim than it is to pay you – regardless of the fact that you have every right to the coverage that you have paid for.

Do not let them win.

At Ronstadt Law, we routinely fight back against The Guardian (and other insurance companies). We are not afraid of taking on these giants in court if we have to – we have done so before, and we will do it again.

If you have had your claim for long-term disability, care, or other insurance product denied, delayed, or diminished by The Guardian Life Insurance Company, then get in touch with the team at Ronstadt Law today. We can take your case forward on a no-win, no-fee basis, and ensure that you and your rights are defended aggressively.

Why Does The Guardian Delay Claims?

There is a simple reason for The Guardian delaying legitimate insurance claims: profit. Much of the financial success of these well-known insurance companies comes from investments – they take your premium payments, pool them with other customers’ money, and then invest into various global assets. In fact, insurance companies are some of the biggest investors in global markets of many different types.

So when it comes time to pay out for a claim, that money needs to be recovered from the investment fund. The longer that The Guardian can keep hold of the money, the more they can profit from it – notwithstanding the fact that you might be desperate for the compensation which is rightfully yours.

What Can You Do When The Guardian Denies Your Claim?


The most effective action that you can take if The Guardian denies your insurance claim is to speak with an experienced and skilled long-term disability attorney. At Ronstadt Law, we know that the period after an injury or illness which results in a disability can be among the most difficult times of your life – and we believe that when The Guardian fails to deliver on an insurance claim, they are taking advantage of you at a particularly low point.

We will do everything we can to help you, to get your claim paid quickly and in full, and to hold The Guardian to account for its actions. Some of the common issues that we fight against include:


  • Misinterpretation of the terms of your insurance coverage with The Guardian
  • Requiring you to see non-specialist or wrongly-specialized medical personnel
  • Downplaying the seriousness or impact of your injury or disability
  • Too much admin and paperwork, which can often be an attempt to confuse or intimidate you

Guardian Insurance Appeal Process

If you feel that you are being treated unfairly by The Guardian, then you need to request (in writing) a review of your case. There are strict rules in place – both by the insurance company and the industry itself (by way of ERISA laws) that dictate the timeframes for your appeal, so it is a good idea to engage an insurance attorney to help you even at this early stage.

At Ronstadt Law, we can ensure that you file your insurance appeal letter, with supporting evidence where necessary, at the right time.

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!
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