Disability Insurance Cases Nationwide

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Three disability denials and three successful appeals in 12 months – this case is an example of why you can never let your guard down as a claimant. Hartford looked for every opportunity to deny long term disability benefits to our client.…

Continue Reading 3 Hartford Disability Denials and 3 Appeals for IT Business Analyst with Cognitive Impairment

We talk about a case where a claimant has a surgery and the disability company then concludes that the claimant can return to work.

This was a great long term disability appeal victory on behalf of an APPLE VP of sales suffering with a knees disorder. Our client was with Apple for 23 years and unfortunately New York Life denied his long term disability benefits.…

Continue Reading Apple VP of Sales with Knee Disorder Wins New York Life Long Term Disability Appeal

Disability insurance attorney Alex Palamara discusses a long term disability appeal victory on behalf of a billing manager denied long term disability benefits by Unum. Our client was disabled due to chronic back pain. Alex discusses why Unum denied disability benefits and the steps he took to get the long term disability benefits reinstated. …
Continue Reading Billing Manager With Back Disorder Wins Unum Long Term Disability Denial Appeal

Attorneys Dell & Schaefer is skilled at negotiating Aetna lump sum buyouts. Typically, Aetna doesn’t offer a buyout option, but it is not impossible to get the highest dollar offer from Aetna. You need to know the pros and cons of a buyout, and most of all you need to understand the settlement and release agreement – especially if you choose to return to work.
Continue Reading Aetna Long Term Disability Lump Sum Buyout or Settlement

Trustmark Benefit isn’t necessarily a household name when it comes to long term disability benefits—but when it comes to issuing disability denial letters, this insurance carrier could go toe to toe with any of the bigger companies. What should Trustmark disability insurance  claimants know about the process, and are there any tips that can improve a claimant’s odds of being approved for long term disability benefits?
Continue Reading Trustmark Disability Insurance Claim Benefits Overview & Legal Tips for Claim Approval

Disability insurance attorneys Gregory Dell and Stephen Jessup answer the question: Can You Sue UNUM? In this video and article learn what to expect in a group policy lawsuit with UNUM and advantages of suing UNUM with a group policy.

  • What To Expect in a Group Policy (ERISA) Lawsuit with UNUM
  • An Advantage of Suing UNUM With a Group Policy (ERISA)

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Continue Reading Can You Sue UNUM?

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:

  • UNUM’s Definition of “Own Occupation”
  • How Can a Claimant Prove What Their “Own Occupation” Is?
  • What Is “Any Gainful Occupation”?

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Continue Reading How Does UNUM Define Disability?

MetLife seems to be committed to finding a way to deny your claim even after you have received a letter telling you your claim has been approved and you will receive benefits for “x years” or “until you reach the age of 65.” The company leaves out the caveat that they will be frequently monitoring your medical condition, looking for a way to deny you further benefits.

At Dell & Schaefer, our disability insurance attorneys offer you tips about how to prevent the denial. This means providing strong medical documentation that you are still disabled, educating your doctors on how to document your limitations and restrictions, and when to attach additional information to the Physician Statement form.
Continue Reading Tips to Prevent a MetLife Disability Benefit Denial After A Claim Approval

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