Disability Insurance Cases Nationwide

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This video discusses Unum’s frequent practice of denying disability insurance claims based solely on “paper reviews,” where in-house or hired doctors review medical records without ever examining or speaking to the claimant. Long term disability attorneys Greg Dell and Alexander Palamara explain that while this practice is often legally permitted under ERISA, it is fundamentally unfair—especially for claims involving mental health or cognitive impairments, which cannot be reliably assessed without in-person evaluation. Unum rarely orders independent medical examinations (IMEs), likely to save costs and avoid confronting evidence that could support a claimant’s disability.Continue Reading Can Unum Deny Disability Insurance Benefits Without Examining the Claimant?

This video provides practical guidance for claimants who have been denied disability insurance benefits by Voya Financial. Attorneys Greg Dell and Alexander Palamara emphasize that the most important first step after a denial is to request and carefully review the complete claim file. Under ERISA, Voya must provide this file, which contains all medical records, internal notes, communications, and medical reviews used to deny the claim. Reviewing the file allows claimants to identify exactly why Voya denied benefits, uncover internal inconsistencies, and spot missing or ignored medical evidence that can be corrected on appeal.Continue Reading LTD Lawyers Discussing the Voya Financial Disability Insurance Claim Denial

Attorneys Greg Dell and Alexander Palamara from Dell Disability Lawyers discuss frequently asked questions about Reliance Standard disability insurance appeals. They explain that even if a claim is denied, it can often be successfully appealed—many denials are overturned with a strong, well-prepared case.Continue Reading Reliance Standard Disability Insurance Denial and Appeal Tips

Attorneys Gregory Dell and Alexander Palamara from Dell Disability Lawyers discuss key issues surrounding Hartford disability insurance appeals. They explain that once a claim is denied, the appeal process can take six to nine months on average, due to the need for extensive preparation and documentation. Palamara emphasizes that claimants should never rush an appeal, since under ERISA law, only one appeal is allowed before a lawsuit becomes necessary.Continue Reading Hartford Disability Insurance Appeal Tips

We explain that claimants can win appeals if they carefully address the insurer’s reasons for denial with strong, comprehensive evidence. Cesar Gavidia advises not to panic or rush an appeal, but to gather all medical records, expert reports, and policy details before submitting.Continue Reading After the Guardian Disability Insurance Denial. Appeal Questions Answered by Lawyers

Attorneys Greg Dell and Stephen Jessup discuss Unum Disability Insurance, focusing on the company’s practices, claim denials, and the challenges policyholders face. Unum is the world’s largest group disability insurer and has a long history of regulatory issues and class-action lawsuits, but it has developed internal procedures that it consistently follows. Despite this, Unum handles an enormous volume of claims, which often leads to a lack of personal attention and a rigid approach to denials. Once a claim is denied, it is often difficult to overturn because of the company’s group review process, which can create a kind of “groupthink” where initial decisions are strongly reinforced. The discussion emphasizes that policyholders face a company focused on minimizing payouts, operating almost like an impersonal assembly line where claims are treated as numbers rather than individuals.Continue Reading Discussing the Unum Disability Insurance Reviews. Good or Bad?

Explore how to overcome disability insurance denials with disability insurance attorney Rachel Alters. We discuss the misclassification of nursing occupations and the challenges posed by vocational assessments, particularly in relation to sedentary work. Discover the biases that can affect medical evaluations and the hurdles faced when filing disability insurance claims.