Disabled Healthcare Coordinator that was denied LTD benefits under the Own Occupation disability provision by CIGNA is on claim after Dell & Schaefer Appeal.
CIGNA Overturned Their Denial of LTD Benefits for Nevada Healthcare Coordinator

Q&A – General Questions
Disability insurance attorneys answer the question, “Do I qualify for disability insurance benefits?”
How Do I Qualify for Disability Insurance Benefits?

Michigan Court reverses Reliance’s termination decision and finds Plaintiff proved by a preponderance of the evidence that he is totally disabled from working at any occupation due to cognitive disorders.
Is Plaintiff Entitled to LTD Benefits When Unable to Work in Any Occupation?

Q&A – Disability Companies
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 his policy.
How Does UNUM Define Disability?

Hartford Disability Claims Q&A
How long can you expect benefits from your Hartford short or long term disability claim? The answer may surprise you.
How Long Does a Hartford Short Term or Long Term Disability Claim Last?

Hartford Disability Claims Q&A
Understand your rights once your Hartford short term disability income claim has been denied. Check out this video for more.
What Happens If My Hartford Short Term Disability Claim is Denied?

The answer to this question varies because every Hartford appeal that we prepare for our clients are custom. Through our review of thousands of Hartford claim denials we know exactly what they require in order to give our clients the best chance to have a claim denial reversed. Almost every Hartford disability denial is governed by the Employee Retirement Income Act (ERISA). ERISA is a horrible law and in the videos below you can learn more about why ERISA is unfair for claimants and a pro insurance company law. 
Continue Reading How does a disability lawyer help prepare a Hartford Disability Benefit Appeal?

When you need to file an ERISA disability lawsuit because of a disability, you have two avenues you can take: Settlement or litigation. The two important things to know before you make that decision are that you usually get less if you settle, and litigation could take several years if you or the insurance company decides to appeal. If you have excellent medical documentation that shows you have an LTD – a long-term disability – you could benefit from an ERISA lawsuit instead of a settlement. With an ERISA lawsuit, you do not get a jury trial – a judge makes the decision. Thus, if your evidence of a long-term disability is irrefutable, the lawsuit might not take as long. A disability attorney at (Dell & Schaefer) can help you decide the best course of action for your situation.

Settling an ERISA Case

The quickest way to get benefits for an ERISA case is to settle. However, you will get less than if you file a lawsuit. The pros of this are that it takes a few months instead of a few years, and you know for certain how much you will get. Additionally, once you and the insurance company signs a settlement, the insurance company cannot take it back. This is important to know because some people may want to try to work. However, if you work, even in a different profession that pays much less than the profession you can no longer work in, the insurance company could deny your claim. Once both parties sign a settlement and you get your check, it is set in stone and the insurance company can’t change its mind, even if you do go back to work.

Continue Reading What Are the Remedies in an ERISA Long-Term Disability Lawsuit?

When it comes to a disability insurance claim denial, many intricate details lead to the subsequent appeals and lawsuits. A crucial element in most claims is the attending physician’s statement, records and diagnosis. This can substantially bolster a policyholder’s disability claim, but only if it’s documented in a proper way that actually benefits the claimant.
Continue Reading Should I Allow a Disability Insurance Company to Interview My Doctor?

We have just launched new pages on our website discussing disability claims with Hartford.

The Hartford Disability Lawsuit
Hartford – Aetna Lawsuit & Denial Tips. What to do after you have been denied disability benefits.
What Should You Expect When Filing A Hartford Disability Lawsuit?

The Hartford Disability Appeal
Over and over our disability lawyers see the same techniques used by Hartford to deny disability benefits. Learn about them on our new page about Hartford disability appeals.
Common Steps Taken By Hartford Before A Hartford Disability Denial

Disability Insurance Attorneys Dell & Schaefer has represented policy holders when the disability insurance company denies a claimant benefits who has been on claim for many years. Insurance companies often deny claims even when the policy holders claim file is absent any evidence that there’s been any improvement in their condition.

GREG DELL: Hi, I’m Greg Dell, here with attorney Victor Peña. And, Victor, you brought a case to my attention that just came out recently out of the Circuit Court of Appeals for the 1st Circuit, which covers cases out of Massachusetts. I’m always intrigued by the cases where the disability insurance company denies a claimant that had previously been on claim for nine years and the thought process to say, outside of some video or some doctor saying the claimant’s better, did they find the cure to this person’s disease or did they just get that much better after nine years at their back?

Continue Reading After 9 Years, UNUM Denies a Policy Holder Benefits Despite No Evidence of Improvement

UNUM is a large insurance company that provides insurance for workers through their employers. However, when it comes to paying disability claims for long-term diseases such as fibromyalgia, the insurance giant consistently denies claims, especially for those who go on short-term disability and start working again. Two issues lead to disability insurance claim denial. If UNUM denied a claim you filed for long-term disability, contact a disability insurance attorney as soon as possible.

Denied Disability Claim

In the present case, a 59-year-old woman worked at an Air Force base for 33 years. Her job required her to lift, climb and carry. During the last 15-plus years of her tenure, she suffered from fibromyalgia. The woman went on short-term disability for fibromyalgia several years ago. Her doctors recommended that she go on long-term disability, but instead, she went back to work and worked through the pain of the disease because she loved her job. The woman had to force herself to get up every day to do a job she loved. She wasn’t ready to give up a job that she enjoyed.

Continue Reading Why Does UNUM Deny Disability Claims for Long-Term Diseases?

After handling hundreds of claims against Reliance Standard for long-term disability denials, the attorneys at Dell & Schaefer law firm give some tips and insights for those who need to file an appeal. Disability insurance lawyer Greg Dell and fellow attorney Alex Palamara explain that the large majority of LTD cases with Reliance Standard insurance company are ERISA appeals because the company writes group disability policies as part of employee benefits. Understanding how these policies work is crucial when it comes to appealing a disability insurance claim denial.
Continue Reading How Can I File a Reliance Standard Disability Appeal After a Denial?