Disability Insurance Cases Nationwide

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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. 
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Continue Reading How does a disability lawyer help prepare a Hartford Disability Benefit Appeal?

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.
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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…


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?

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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.

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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.
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Continue Reading How Can I File a Reliance Standard Disability Appeal After a Denial?

When receiving a Unum disability claim denial on a policy you’ve potentially paid into for years, it can be disheartening, to say the least. It can also cause devastation to lose your source of income and live with a long-term disability (LTD), making the Unum denied disability even more significant to your ongoing quality of life. But the situation is not entirely without hope, as you have the legal right to file an appeal of the Unum denied claim.

Disability insurance attorneys Greg Dell and Stephen Jessup discuss Unum disability appeal strategies to help those with LTDs know what to expect and how to proceed. Unum is the world’s largest disability insurer for long-term disabilities, and the attorneys at Dell & Schaefer have collectively handled thousands of appeals against Unum of behalf of their clients.
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Continue Reading How Can I Appeal After Receiving a UNUM Disability Benefits Denial?

Cigna Disability Insurance Policy holders often do their appeal on their own. Cigna doesn’t tell a policy holder everything they need to include in their appeal, but Disability Insurance Attorneys Dell & Schaefer will tell you what you need to know, before you file your appeal.

GREGORY DELL: Hi, I’m Attorney Gregory Dell here with Attorney Cesar Gavidia. And Cesar, in this video, I want to talk about people who have had their long-term disability claim denied by CIGNA Disability Insurance Company, also known as LINA Life Insurance Company of North America.

CESAR GAVIDIA: It’s true.

GREGORY DELL: And people try sometimes to do their appeal on their own. And the reason they do that is because when they get denied, the claim rep calls them kind of most of time in a nice manner. Customer service says, I’m sorry, but we just don’t have enough support for your claim. Can you go ahead and submit an appeal? You have 180 days to do it – 180. And then, someone else is going to – not me, but someone else is going to review the claim. And that’s because the ERISA regulations require them to do that.

So what I want to get into here is for the person who’s been denied, first off, what’s the most important thing of an appeal, number one? And then, we’ll go through some other things.
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Continue Reading Important Information If Your LTD Claim has been denied by CIGNA