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

Navigating the process of filing for long term disability benefits with an insurance carrier like Reliance Standard can be a challenge, even for the most well-organized claimant. Insurance carriers often seem to speak their own language, which can make claim denials seem unfair and arbitrary. At Disability Insurance Attorneys Dell & Schaefer, we’ve handled literally hundreds of claims against Reliance Standard and know exactly what they’re asking (and not asking) in their disability claim forms. Read on for some tips to make handling your Reliance Standard disability claim a little easier. Continue Reading What Claimants Should Know About Applying for Reliance Standard Disability Benefits

Unlike group long term disability policies that are offered through an employer (and must be litigated in federal court), Chubb policies are generally individual policies targeted toward specialty professions ranging from chiropractors to dentists. This can make these policies a little different from standard long term disability policies, and claimants must proceed quickly and efficiently when seeking disability benefits from Chubb. Below, we’ll discuss what claimants should be able to expect when submitting a disability claim to Chubb and why filing a lawsuit isn’t always the best idea in these cases. Continue Reading What to Know About the Chubb Long Term Disability Claims Process

If you recently received a disability benefits denial letter from Dearborn National, you may be wondering what to expect now – and whether a lawsuit is the correct next step. Suing Dearborn National to secure your long term disability benefits is often the most viable way to obtain the benefits you deserve, though this process often doesn’t come without some headaches and hiccups. At Dell & Schaefer, we’ve helped thousands of disability claimants successfully sue their long term disability insurance carriers, and have learned a few things along the way. Read on for more about what you can expect when suing Dearborn National under a long term disability insurance policy. Continue Reading What to Expect When Suing Dearborn National for Long Term Disability Benefits

Applying for long term disability insurance benefits through Sun Life can seem like an uphill battle, especially when it comes time to ask your busy doctor to fill out a long, complicated claim form. What should claimants do if their doctor won’t support their disability by filling out an attending physician statement or contacting Sun Life? When should this conversation between you and your doctor even happen? Learn more about applying for Sun Life long term disability benefits and what claimants can expect from the process. Continue Reading What Disability Insurance Claimants Should Know About Applying for Sun Life Disability Benefits

At Dell & Schaefer, our nationwide team of long term disability insurance attorneys has helped thousands of clients recover disability insurance benefits from major insurer Mutual of Omaha. The claims process can be a maze of lengthy and confusing claim request forms, waivers and releases for medical records, and even independent physical examinations – which means that claimants who go into this process without a disability attorney may be putting themselves at a disadvantage later. What should disability insurance claimants expect when they sue Mutual of Omaha to recover benefits under a long term disability insurance policy?

Continue Reading What Claimants Should Know About Suing Mutual of Omaha for Disability Benefits