Disability Insurance Cases Nationwide

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Gregory Dell and Cesar Gavidia answer common questions about the New York Life disability appeal process. They begin by addressing whether claimants have a legitimate chance of getting a denial reversed, with Gavidia emphasizing that success is absolutely possible but depends entirely on how the appeal is built. The first step is always requesting the full administrative claim file to understand exactly why the denial occurred — what reports were used, which medical consultants were involved, and whether a treating provider may have inadvertently given the insurer ammunition by downplaying restrictions.

Continue Reading Can You Win a New York Life Disability Appeal?

This discussion focuses on common questions about appealing a long-term disability denial from Lincoln Financial, particularly how long the process takes and why it cannot be rushed. Although claimants often want immediate action due to lost income, preparing a strong disability insurance appeal typically takes 60 to 90 days or more. This is because attorneys must obtain the full claim file, gather updated medical records, possibly arrange additional testing, and carefully analyze the insurer’s reasoning to build a comprehensive case. Filing a quick or incomplete appeal is a major mistake, as it almost guarantees another denial and permanently weakens any future lawsuit since the claim file closes after the appeal decision.

Continue Reading Lincoln Financial LTD Appeal Tips

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