We talk about a case where a claimant has a surgery and the disability company then concludes that the claimant can return to work.

This was a great long term disability appeal victory on behalf of an APPLE VP of sales suffering with a knees disorder. Our client was with Apple for 23 years and unfortunately New York Life denied his long term disability benefits.

Continue Reading Apple VP of Sales with Knee Disorder Wins New York Life Long Term Disability Appeal

Disability insurance attorney Alex Palamara discusses a long term disability appeal victory on behalf of a billing manager denied long term disability benefits by Unum. Our client was disabled due to chronic back pain. Alex discusses why Unum denied disability benefits and the steps he took to get the long term disability benefits reinstated. Continue Reading Billing Manager With Back Disorder Wins Unum Long Term Disability Denial Appeal

Sometimes doctors are not so good at documenting your complaints in the medical records. If a complaint is missing from your medical records then it cannot be considered by your long term disability insurance company. Long term disability insurance lawyers Gregory Dell and Stephen Jessup provide tips on how to make sure your doctor is documenting all of your disabling complaints and medical conditions in your medical records.

At Dell & Schaefer, we’ve seen insurance companies give countless reasons to deny long term disability benefits. However, most disability benefit denials tend to fall into one of a few categories—and one of the biggest ones is the paper review and independent medical exam (IME). Learn more about what this review process entails and what your claim file will need to show in order to reduce the risk of denial. Continue Reading Reason #1 for Disability Benefit Denial: The Medical Review and Independent Medical Exam

Attorneys Dell & Schaefer is skilled at negotiating Aetna lump sum buyouts. Typically, Aetna doesn’t offer a buyout option, but it is not impossible to get the highest dollar offer from Aetna. You need to know the pros and cons of a buyout, and most of all you need to understand the settlement and release agreement – especially if you choose to return to work. Continue Reading Aetna Long Term Disability Lump Sum Buyout or Settlement

Trustmark Benefit isn’t necessarily a household name when it comes to long term disability benefits—but when it comes to issuing disability denial letters, this insurance carrier could go toe to toe with any of the bigger companies. What should Trustmark disability insurance  claimants know about the process, and are there any tips that can improve a claimant’s odds of being approved for long term disability benefits? Continue Reading Trustmark Disability Insurance Claim Benefits Overview & Legal Tips for Claim Approval

Are you a sales representative that is considering a long term disability insurance claim? Or maybe you already have a pending disability benefit claim. Through our experience in representing thousands of people with sales related jobs, we have prepared a video which discusses multiple issues that we commonly see in short and long term disability claims for sales people. We encourage you to contact any of our nationwide disability insurance attorneys for a free immediate phone consultation.  

The following interview with attorneys Greg Dell and Stephen Jessup highlights the occupation classification most sales representatives can fall under. It also addresses some common issues that hinder long-term disability claims from going ahead.


Continue Reading Sales Representative Disability Benefits Claim Tips

If your claim for long term disability benefits has been denied, you may be wondering what happens next. If your claim is under a group policy governed by the Employee Retirement Income Security Act (ERISA), you’ll need to file an administrative appeal of this denial to the insurance company before you go any further. The strength of your claim file will dictate what you can do next – once your appeal is denied, your claim file has closed, which means that any subsequent lawsuit can’t raise issues that aren’t contained within this file. Below are the six steps to appeal your disability insurance denial.

Continue Reading How Do I Win My Disability Benefit Appeal?