Disability Insurance Cases Nationwide

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Knowing when and how to file for long term disability insurance benefits under a Lincoln Financial policy can be a challenge, and this process can be fraught with potential pitfalls that may not be apparent to many claimants. Learn more about what to expect when filing a disability insurance claim with Lincoln Financial and how the attorneys at Dell & Schafer can help you navigate this stage of your disability insurance claim.

Understand Your Disability Policy Language and What it Requires

When it comes to disability insurance, there are two prevailing schools of thought—(1) disability insurance benefits claims should be paid if the claimant can no longer do their job; and (2) disability insurance benefits claims should be paid only if the claimant can no longer do any job. Knowing which of these categories your own Lincoln Financial policy falls into will tell you what you need to prove to win your disability claim.
Continue Reading How to Apply for Disability Insurance Benefits with Lincoln Financial

Canadian-based Sun Life provides group long term disability insurance policies throughout the United States, and like many disability insurance carriers, its disability insurance claimants tend to get their fair share of insurance benefit denial letters. But unlike some of the largest disability insurance carriers, Sun Life provides very thorough denial letters when it rejects a disability claim. Often weighing in at eight or nine pages to the more typical three or four, these letters can provide disability insurance claimants with a valuable roadmap to what they’ll need to prove to win a disability insurance lawsuit. Learn more about what happens after a Sun Life Disability insurance claimant has exhausted their disability insurance administrative appeals and is ready to sue this insurance carrier for disability benefits.Continue Reading Sun Life Disability Insurance Income Lawsuit & Benefit Denial Tips

When it comes to disability insurance companies, there’s one universal truth: they don’t make money by approving claims. But there are options, and it’s important not to take a denied disability insurance claim as the final answer when it comes to your disability insurance determination. You may be able to appeal the denial of your…

Mass Mutual Insurance Company isn’t one of the big names in disability coverage, even though it does offer individual and group long-term disability policies. If you’ve been injured and are unable to work, Mass Mutual will pay you disability benefits according to the terms of your disability policy—but this coverage often doesn’t come without some hiccups, and benefit denials are common. What should claimants know about appealing the denial of a Mass Mutual disability benefit claim, including an ERISA lawsuit?

GREGORY DELL: Hi, I’m attorney Gregory Dell here with attorney Cesar Gavidia. And we are going to talk to you about private disability insurance lawsuits against Mass Mutual Insurance Company. And Cesar, the reason I said that they’re private disability suits is, at least from 99% of the cases we’ve seen is that the people who are buying these, Mass Mutual, long-term disability insurance policies have bought them from an agent. And basically, what that is that makes it a private contract. And that contract says that if you’re unable to work or whatever the definition of disability is, then Mass Mutual will pay you disability benefits.Continue Reading Mass Mutual Disability Lawsuit and Benefit Claim Denial Information

Over the years, our disability insurance attorneys have reviewed thousands of disability insurance denial-of-coverage letters from Reliance Standard. Simply put, Reliance Standard makes it difficult for their policy holders to receive their disability insurance benefits. But disability claimants have the right to appeal a denial of coverage, and it’s possible to win these claims. Learn more about the litigation process and your options after a claim denial.

What to Know About the Reliance Disability Insurance Lawsuit Process

A group disability policy provided by your employer (like many Reliance Standard policies) is governed by the Employee Retirement Income Security Act (ERISA). ERISA requires insurance companies to offer certain types of policies, expanding the options available to employees; however, this comes at the cost of certain litigation rights.Continue Reading Attorney Tips: Reliance Standard Disability Lawsuit and Claim Denial Options

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

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?Continue Reading After 9 Years, UNUM Denies a Policy Holder Benefits Despite No Evidence of Improvement