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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

After working for a law firm as a healthcare attorney for more than seven years, Amanda Foster began having intractable migraine headaches, so she stopped working. She received long term disability (LTD) benefits from Principal Life Insurance Company (Principal) from September 4, 2013, until they were terminated effective December 9, 2014.

Foster filed two administrative appeals and submitted additional medical records. After Principal paid numerous physician reviewers, it denied her claim and found she was not disabled according to the meaning of her disability insurance policy. She then filed an ERISA lawsuit. That was decided in favor of Principal, so she appealed that denial to the Fifth Circuit Court of Appeals.
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Continue Reading Principal Life Insurance Denial of Disability Benefits for Lawyer with Migraines Upheld by Court of Appeals

In this video, Attorneys Gregory Dell and Rachel Alters discuss a recent court decision in which Principal Life attempted to ignore an income qualifier in an “any occupation” definition as a technique to deny benefits. The court determined the policy language to be ambiguous and provided an interpretation in favor of the claimant. If you…

Recently, two different lawsuits were filed under the Employee Retirement Income Security Act (ERISA) against the Principal Insurance Company of America. In both cases filed through the respective plaintiffs’ disability attorney, Principal was alleged to have wrongfully denied the respective plaintiffs their claims for long-term disability (LTD) benefits.

The First Case

The plaintiff through a…