Disability insurance attorneys Gregory Dell and Stephen Jessup answer the question: Can You Sue UNUM? In this video and article learn what to expect in a group policy lawsuit with UNUM and advantages of suing UNUM with a group policy.

  • What To Expect in a Group Policy (ERISA) Lawsuit with UNUM
  • An Advantage of Suing UNUM With a Group Policy (ERISA)

Continue Reading Can You Sue UNUM?

In this video and article, Attorneys Gregory Dell and Stephen Jessup discuss how UNUM defines disability. UNUM‘s disability policy is very lengthy and every policy holder will have a better understanding of:

  • UNUM’s Definition of “Own Occupation”
  • How Can a Claimant Prove What Their “Own Occupation” Is?
  • What Is “Any Gainful Occupation”?

Continue Reading How Does UNUM Define Disability?

MetLife seems to be committed to finding a way to deny your claim even after you have received a letter telling you your claim has been approved and you will receive benefits for “x years” or “until you reach the age of 65.” The company leaves out the caveat that they will be frequently monitoring your medical condition, looking for a way to deny you further benefits.

At Dell & Schaefer, our disability insurance attorneys offer you tips about how to prevent the denial. This means providing strong medical documentation that you are still disabled, educating your doctors on how to document your limitations and restrictions, and when to attach additional information to the Physician Statement form. Continue Reading Tips to Prevent a MetLife Disability Benefit Denial After A Claim Approval

In this video and article disability insurance attorneys Gregory Dell and Stephen Jessup discuss: When should a disability insurance claimant hire an attorney? Learn the 4 times a disability insurance attorney can help claimants receive disability insurance benefits and the importance of hiring an ERISA trained attorney to represent disability income policy holders seeking benefits. Gain insight into:

While the COVID-19 pandemic continues to impact everyone (and, by extension, long term disability insurance companies), disability claimants may be wondering what to expect in 2021. Will telehealth appointments instead of in-person ones be enough to keep you on claim? Will the trend of an increase in insurance carrier denials continue? What should claimants do now to preserve their rights? Below, two of Dell & Schaefer’s experienced long term disability insurance attorneys discuss what to expect from disability insurance carriers in 2021 and beyond. Continue Reading What Can Claimants Expect from Disability Insurance Companies in 2021?

Receiving a letter denying your claim for long term disability benefits can be a huge blow, especially if your condition is preventing you from earning an income or taking part in hobbies and activities you once enjoyed. What options do you have if Principal Financial Group has denied your claim for long term disability insurance benefits, and where should you go from here? Read on to learn more about the factors to consider when deciding how to proceed, as well as how the legal team at Dell & Schaefer can help you obtain the long term disability income benefits you deserve. Continue Reading Options if Your Principal Disability Benefits Claim is Denied

New York Life recently acquired Cigna to become one of the biggest long term disability insurance carriers in the country, and unfortunately, this merger has only expanded some of the more frustrating parts of Cigna’s claims handling process and culture. It can be easy to become complacent after you’ve begun to receive benefits, but these benefits can be short-lived if you don’t take some proactive steps to preserve your entitlement to disability benefits. Your answers to the following three questions can put you in a better position to protect your long term disability benefits. Continue Reading Maintaining Your New York Life Long Term Disability Insurance Benefits

Though you may think that being approved for long term disability benefits is the end of the race, disability insurers like Northwestern Mutual handle their benefit claims on a month-to-month basis – which means that disability claimants must prove that they are entitled to continue receiving benefits each month. Below, we’ll explain more about what we’ve learned after handling thousands of Northwestern Mutual disability insurance claims and what claimants can do to keep their monthly disability income benefits on track. Continue Reading What to Know About Protecting Your Northwestern Mutual Long Term Disability Benefits

Nearly one in every four U.S. adults will live with a disability at some point in their lives. For many of these people, long term disability insurance is the financial bridge they need to help them transition out of the workforce and seek training in another profession or pursue Social Security disability benefits. But when it comes to securing and maintaining your long term disability benefits through Standard Insurance Company, the process can be anything but standard. Continue Reading Tips to Prevent Standard Insurance From Denying Your Disability Insurance Claim

Prudential is one of the world’s largest long term disability insurance carriers and often will offer long term disability insurance claimants a lump sum buyout of their policy—providing the claimant with a lump sum of money in exchange for canceling the policy and eliminating the claimant’s right to ongoing disability benefits from Prudential. While this can often make financial sense for a claimant who needs these funds to pay bills or retrain for a different career, it’s not a decision that should be entered into lightly. Read on to learn more about some of the benefits and considerations of negotiating a lump sum settlement and buyout for your Prudential long term disability policy. Continue Reading What to Know About Your Prudential Disability Buyout Options