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
Disability insurance companies commonly deny long term disability benefits and state that there is “no objective evidence to support your subjective complaints”. Continue Reading Can a Disability Company Require Objective Evidence of Disability if None Exist?
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.
- What is the definition of disability in most salesperson disability insurance policies?
- How do disability companies determine the duties of a salesperson?
- It is essential to document and provide evidence of your pre-disability work duties
- What type of medical support will a salesperson need for disability benefit approval?
- Many of our clients have chronic pain, for instance, but continue to work. What happens if their sales don’t drop during this time, but they have put in a disability claim?
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.
Neck pain is one of the top five reasons that people claim disability benefits. It is also the type of medical condition that disability insurance companies dispute every day. How do you know if your neck pain or neck disorder is severe enough to qualify you for disability insurance benefits. Attorneys Gregory Dell & Cesar Gavidia discuss the most common issues associated with neck pain and obtaining long term disability insurance benefits.
Research more about neck pain and disability benefits on our website.
Although many working adults have life insurance policies designed to protect their families upon their untimely death, becoming disabled actually poses a far greater risk than dying early. The CDC estimates that around 1 in every 4 U.S. adults lives with a disability that impacts their major life activities. If you don’t have long term disability insurance, you could find yourself facing an extended period of time without a paycheck if you develop a medical condition that keeps you from working. Read on to learn more about the benefits that long term disability insurance can typically provide, as well as the major differences between individual and group disability policies. Continue Reading What is Disability Insurance and Do You Need It?
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)
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”?