Disability Insurance Cases Nationwide

Mass Mutual is known for writing individual disability insurance  policies for professionals. ERISA laws applicable to employer provided disability insurance policies do not apply. This means that if Mass Mutual denies your disability insurance claim, you can sue them for breach of contract and you have the benefit of a jury trial.
Continue Reading Top Denial Reasons of a Mass Mutual Disability Benefit Application – And Tips to Get Paid

Northwestern Mutual sells many different types of disability insurance policies and you must review your own specific policy carefully to determine the definition of disability and what documentation is required. As a general overview of tips for having your claim approved, you must:

  • Present strong medical evidence of your disabling condition.
  • Explain how the disabling condition makes it impossible for you to do your own job for the first 24 months, and after that time, show how it prevents you from doing any job for which you are otherwise qualified.
  • Submit your claim for disability benefits within the time limits established by Northwestern Mutual.
  • Be prepared for Northwestern’s disability insurance interview.


Continue Reading What You Need to Know for a Northwestern Mutual Disability Benefit Application Approval

If you’re one of the many people who struggle with a disabling medical condition that makes it tough to hold down a job, you may be wondering about your disability options. If you have a long term disability policy through Principal, wonder no longer – here at Dell & Schaefer, we’ve handled hundreds of Principal Financial disability claims and can guide you through the ins and outs of the process and what you’ll need to do to recover disability insurance benefits. Like many insurers, Principal  Financial has some common patterns and practices that can be worked around once you’re familiar with them. Learn more about what you’ll need to prove to obtain disability benefits from Principal.
Continue Reading What to Know About Suing Principal Financial Disability for Long Term Disability Benefits

Although receiving a denial letter from your long term disability insurance carrier can be discouraging and stressful, the appeal actually presents one of the best opportunities you’ll have to support your claim for disability insurance benefits. Read on for some tips Dell & Schaefer’s nationwide disability insurance attorneys have learned while handling Mutual of Omaha long term disability appeals.
Continue Reading Tips to Win Benefits in Your Mutual of Omaha Disability Appeal

The longer Guardian Disability pays out long term disability benefits to a specific claimant, the more these benefits cost—so like all long term disability insurance carriers, Guardian has a vested interest in removing claimants from the disability rolls as soon as it can. This means that getting approved for disability benefits is just the first step; maintaining this approval is the key to receiving benefits through the end of the policy term. Learn more about what claimants should do to preserve their long term disability benefits with Guardian Disability.
Continue Reading What to Know About Handling Your Guardian Disability Claim After Approval

Here at Dell & Schaefer, we’ve handled hundreds of long term disability claims with Cigna and New York Life. We’ve learned a few things during this process – most of all, that proving you’re disabled to Cigna’s satisfaction can be a much tougher job than it first appears. Learn more about what Cigna looks for in a claim for disability benefits and how claimants can improve their odds of success.
Continue Reading How to Prevent Cigna from Denying Your Disability Claim

Submitting an application for disability insurance benefits for the first time is one of the most important stages in any disability benefits claim. Cigna’s hyper-focus on pre-existing conditions and their emphasis on what the medical records do (and don’t) contain should be kept in mind when applying for benefits. Learn more about the most common reasons New York Life/Cigna cites when denying a disability benefits claim, as well as what claimants should do before submitting their application for disability benefits to improve their odds of approval.
Continue Reading Top 5 Reasons Cigna Denies Disability Benefits: What Claimants Should Know

Lincoln Financial, along with many other disability insurance companies, has a reputation for denying claims. It makes sense they would do that despite their advertising about how great they are. The more money they do not have to pay to claimants the more money the disability insurance company makes for itself. At Dell & Schaefer, our experience has taught us what needs to be done to avoid a Lincoln Financial disability claim denial and what every disability insurance claimant needs to do monthly to stay on claim.
Continue Reading Avoid a Lincoln Financial Disability Denial by Following These Tips

You’ve submitted a long term disability claim to UNUM and just received notice your request for benefits was approved – congratulations! But if, like many claimants, you assume this approval letter is the end of the story when it comes to your receipt of disability benefits, you may be mistaken. Below, the attorneys at Dell & Schaefer will explain more about UNUM’s claim re-evaluation process, lifetime disability clauses, and what claimants should do to preserve their right to receive long term disability benefits from UNUM.

GREG DELL: Hi. I’m Greg Dell with attorneys Dell & Schaefer. And today’s disability question is, how long does Unum long-term disability last? And Stephen, I think this is an excellent question because every policy is written differently, which you’re going to talk about in a minute. But also it really doesn’t matter in a sense how long the policy is because just because you get approved doesn’t mean you’re staying on it–

STEPHEN JESSUP: –that long.

GREG DELL: And talk about first why just getting approved doesn’t mean you’re going to get the maximum duration under the policy.
Continue Reading How Long Does UNUM Long Term Disability Benefits Last?