In this video, attorneys Victor Peña and Gregory Dell discuss the courts reversal of MetLife’s denial of long term disability benefits for a claimant with heart disease. Metlife attempted to rely on an ejection fraction rate reading as a basis to deny the claim.
Continue Reading California Court Finds MetLife Abused Their Discretion

In Vicki Young v. Sun Life and Health Insurance Company, plaintiff Young, a mortgage broker, was initially granted disability benefits in September 2010 based on her diagnosis of fibromyalgia. The initial two years of her disability were based on her inability to perform the essentially duties of her own occupation.

After two years, Sun Life continued her long term disability (LTD) benefits on the grounds that she did not have the ability to perform the job duties of any occupation for which she was qualified. Suddenly, in 2015, Sun Life terminated her benefits, stating she was no longer disabled under the “any occupation” standard. Young’s administrative appeal was denied and she filed this ERISA lawsuit in the U.S. District Court for the Eastern District of California.
Continue Reading Court Reinstates Disability Benefits Erroneously Terminated by Sun Life

Resolved Cases:
Standard Overturns Denial of Benefits to Shareholder of Major Law Firm
Victor Pena wins appeal for former shareholder of Carlton Fields suffering from migraines and vestibular disorder.


Disability Insurance News:
Social Security Approval Does Not Mean Disability Insurance Benefits Must be Approved
11th Circuit Court of Appeals upholds lower court’s finding that Aetna’s denial of benefits was not wrong.


Resolved Cases:
Attorneys Dell & Schaefer Appeal Team Lead by Attorney Cesar Gavidia Successfully Appeal CIGNA’s Denial of Benefits to Disabled Lockheed Martin Tech Manager With Traumatic Brain Injury
Team Led by Attorney Cesar Gavidia Appeal CIGNA’s Wrongful Termination of Benefits and Win.

Resolved Cases:
Hartford Reinstates Disability Benefits to HR Manager
Following an ERISA Appeal submitted by Dell & Schaefer, Hartford reinstates disability benefits to an HR Manager suffering from Rheumatoid Arthritis.


FAQ: Disability Companies:
What Can I Expect When Seeking Long Term Disability Benefits from Northwestern Mutual?
Our disability insurance lawyers have helped hundreds of Northwestern Mutual long term disability insurance claimants to obtain long term disability benefits. Watch our video.

In Riley v. MetLife, a case decided in March 2014 in the United States Court of Appeal for the First Circuit, Plaintiff Riley first made a claim for LTD benefits in 2000 when he was employed as an associate general manager. He received LTD benefits, but returned to work in 2001 in a non-managerial position where he earned substantially less. In 2002, Riley left work once again and made another claim for LTD benefits. Riley’s LTD claim was eventually approved in 2005, and he received his first LTD benefit check in April of 2005 for an amount based on his non-managerial salary, which was substantially less than he would have received based on his managerial salary. Since Riley disputed the amount of his lower LTD benefits based on his non-managerial salary, he refused to cash the checks and threatened to file suit.
Continue Reading If You Are Aware of an Underpayment or Miscalculation of Your LTD Benefits Don’t Wait to Hire an Attorney because Your Time to File a Lawsuit May be Running Out

Resolved Cases:
Cigna Approves Disability Claim Following Multiple Denials
Following three denials for short term disability, Cigna approves a claim for long term disability after application submitted by Dell & Schaefer.


Disability Insurance News:
Rheumatoid Arthritis And The Cognitive Dysfunction Connection In Disability Insurance Claims
Debilitating pain is not the only symptom of rheumatoid arthritis that leads to a potential claim for disability insurance benefits.


Disability Insurance News:
Lincoln Financial Insurance Company to Buy Liberty Life Disability Insurance and Group Benefits Division
Disability Insurance Attorneys Dell & Schaefer believe the merger between Lincoln Financial and Liberty Mutual will be good for long term disability claimants.

In Micha v. Sun Life Assurance Company of Canada and Group Disability Benefits Plan (Sun Life v. Group Disability), plaintiff John Paul Micha, M.D., was covered by a disability benefit policy through Sun Life which had been purchased by Group Disability, an employee welfare plan maintained to provide disability benefits to the employees of the medical group of which Micha was a part.
Continue Reading Court Orders Sun Life Assurance Company to Pay Appellate Attorney’s Fees

Disability Insurance News:
Colorado District Court overturns denial of benefits by Life Insurance Company of North America
Court finds LINA’s challenge on claimant’s credibility unfounded.


Disability Insurance News:
Court Remands Finding That Reliance Arbitrarily Denied Disability Benefits
Kansas Court remands after finding Reliance Standard Life acted arbitrarily and capriciously in denying plaintiff long term disability benefits.


Disability Insurance News:
Court Orders Principal Life to Reinstate Long Term Disability Benefits
Washington Court ordered Principal Life Insurance to reinstate long term disability benefits for claimant when Principal used the wrong definition for “gainful occupation” when terminating benefits.

Disability Insurance News:
Hartford Long Term Disability Benefit Denial Reversed by Minnesota Federal Judge
Nationwide disability insurance attorneys Alex Palamara and Gregory Dell discuss the importance of strong medical support and proper medical documentation.


Disability Insurance News:
Hartford Disability Company Field Interview Request and Video Surveillance
Hartford Disability Company, and other disability insurers, use video surveillance and field interviews as a technique to deny claims. A recent federal court case found that Hartford correctly terminated long term disability benefits for a claimant who was caught on video surveillance engaging in activities which she had claimed she could not do.


Resolved Cases:
Lincoln Financial Reinstates Disability Benefits To School Teacher
Following an Appeal submitted by Dell & Schaefer, Lincoln approves disability benefits under the any occupation definition to a school teacher with cognitive issues.

In this video, Attorneys Gregory Dell and Rachel Alters discuss a recent court decision in which Principal Life attempted to ignore an income qualifier in an “any occupation” definition as a technique to deny benefits. The court determined the policy language to be ambiguous and provided an interpretation in favor of the claimant. If you have been denied by Principal Life, or any disability insurance company, call Attorneys Dell & Schaefer for a Free Consultation.