Disability Insurance Industry News

Until someone faces cancer themselves or has a close loved one who goes through it, many people have the mistaken belief that life returns to normal once they beat cancer and are told there is no evidence of the disease after treatment. However, this is unfortunately not the case for the vast majority of warriors who have fought and won their fight with cancer. In this video, disability insurance attorneys Gregory Dell and Rachel Alters discuss the challenges insurance companies impose on disability insurance policy holders.
Continue Reading Fighting For Cancer Survivors Who Are Still Disabled

Has your disability insurance company recently asked you to complete a neuro-psych evaluation to maintain your disability insurance? The neuro-psych evaluation can declare that you have cognitive limitations and often aims to prove that you are exaggerating your medical condition to receive disability benefits. The evaluation includes a questionnaire and a verbal interview segment.
Continue Reading What To Know About Neuro-Psych Evaluations

The Plaintiff in Ricky D. Hayes v. Dearborn National Life Insurance Company worked for F.A. Richards & Associates Incorporated as an adjuster for approximately 11 years when he became unable to perform the duties of his own occupation. He was awarded long-term disability benefits based on his diagnoses of depression, anxiety, and a sleep disorder.

Dearborn informed Plaintiff on several occasions, in writing, that since his disabling conditions were mental disorders, he was only eligible for 24 months of benefits. They gave him the opportunity to present evidence of a physical disability.
Continue Reading Court Upholds Dearborn’s Denial of Long-Term Disability Benefits

Resolved Cases:
Following submission of a successful appeal by Attorney Cesar Gavidia and his Appeal Team, Prudential reinstates the disability claim and finds claimant disabled from Any Gainful Occupation.
Prudential Denial Overturned on Appeal After Attorneys Dell & Schaefer Established that Medical Device Representative Could Not Perform Duties of Any Gainful Occupation


Charity & Community Involvement:
Attorneys Dell & Schaefer recognizes the need to contribute to research to end cancer and to support families in need of cancer support by contributing to Huntsman Cancer Foundation to help them continue their mission.
Dell & Schaefer Supports Huntsman Cancer Foundation


Resolved Cases:
Disabled Crime Scene Photographer that was denied Long-Term Disability benefits by Life Insurance Company of North America is on claim after Dell & Schaefer Appeal.
Life Insurance Company of North America overturned previous denial of long term disability benefits for Washington Crime Scene Photographer

This video shows disability attorneys Gregory Dell and Stephen Jessup discussing a win against Hartford’s denial of disability insurance benefits to a Human Resources director who was suffering from Rheumatoid Arthritis (RA). In addition to the usual symptoms associated with arthritis of joint pain and swelling, his impaired cognitive functioning was of more concern to him. His initial claim for benefits was approved when Hartford agreed he was disabled from working in his own sedentary occupation.
Continue Reading Disability Attorneys Discuss the Transition From Inability to Work in “Own Occupation” to “Any Occupation”

Resolved Cases:
Principal terminates surgeon’s residual disability claim after following claimant with surveillance and determining his activity level indicated he could operate on a full-time basis.
Principal Reinstates Benefits of Orthopedic Surgeon Unable to Work Full-Time After Attorney Rachel Alters submits Appeal


Resolved Cases:
Retail clerk suffering from arthritis, chronic knee pain, chronic back pain, depression, anxiety, and bipolar disorder who was denied long term disability benefits after Cigna performed a questionable in house review is back on claim after Dell & Schaefer Appeal.
After Appeal Filed by Attorney Alexander Palamara, Cigna Overturns its Previous Denial of Long Term Disability Benefits for Retail Clerk Suffering from Bipolar Disorder and Chronic Pain


FAQ:
We have recently reviewed Lincoln denial letters in which Lincoln only appears to rely on MDGuidelines to determine an insured’s medical restrictions and limitations.
Is Lincoln Relying on MDGuidelines to Review Disability Appeals?

In this video, Attorneys Gregory Dell and Victor Peña discuss general trends with Disability Insurance companies. They note that no matter how large an insurance company is, nor how long it has been in business, all disability insurers seem to have the goal of denying as many claims as possible. The insurance companies are in the business of making money, and the more people they have on claim, the less profit there is to the business.

There are more than 40 long term disability (LTD) insurance companies, and they all seem to have different behaviors, which often change as a company undergoes new management, hires new workers, and develops new strategies. At Dell & Schaefer, we have learned how to work with each one of them and know how they each deal with a claim.
Continue Reading Disability Lawyers Discuss How the Largest Insurance Companies View a Claim for Disability Benefits

Resolved Cases:
Dr. Julie, a Pediatrician with ovarian cancer and neuropathy in her hands was initially denied long-term disability insurance benefits by Reliance Standard Insurance Company. After being referred by a local lawyer to Attorney Cesar Gavidia, he and his Appeals Team, successfully appeal the denial and recover over nine months of owed benefits as well as on-going monthly benefits.
Reliance Standard Insurance Company Overturns Decision to Deny Long-term Disability Benefits to Pediatrician With Ovarian Cancer


Resolved Cases:
After handling Appeal for Software Developer who became disabled due to a stroke, Attorney Cesar Gavidia files lawsuit in U.S. District Court Against Aetna Life Insurance Company. After being ordered by the Court to mandatory mediation, Aetna and the client reach a confidential settlement resulting in dismissal of the lawsuit.
Attorneys Dell & Schaefer File Lawsuit in Federal Court Against Aetna Life Insurance Company After it Denied Long-term Disability Benefits to Former Software Developer


Disability Insurance News:
The Centers for Disease Control and Prevention (CDC) provides indirect evidence that the little bloodsucking mosquitoes, ticks, and fleas are becoming more numerous.
Summer 2018 – Welcome to Mosquito, Tick, & Flea Season

Resolved Cases:
A Respiratory Therapist suffering from Knee Pain and Severe Lumbar Spine Conditions gets LTD claim approved after appeal by Attorney Alexander Palamara.
Respiratory Therapist whose claim was denied without a proper review gets LTD Claim Approved after Appeal to CIGNA


Disability Insurance News:
Although this case was not handled by our firm, it is an important Court decision for any claimant needing assistance with a disability insurance denial.
Aetna Life Insurance Company Ordered by Federal Court Reconsider the Claim of Amazon Employee Disabled Due to Urinary Incontinence


Resolved Cases:
Attorney Gavidia prepared Sally’s Appeal addressing both her physical and mental limitations. It was important to establish that Sally’s physical limitations were the primary cause of her disability, and aggravated her long-standing mental health issues. However, by themselves, her physical conditions caused her to be totally disabled. After receiving the Appeal Aetna overturned its decision and reinstated Sally’s disability claim.
After Aetna denied Ms. Garner’s long-term disability claim, Ms. Garner filed suit against Aetna, and the Court overturned Aetna’s decision and ordered it to pay Ms. Garner’s disability benefits

Disability Insurance Claims FAQ:
Doctors face a unique set of challenges that must be handled properly when it comes to filing a claim for disability insurance benefits to ensure the best chance of claim approval.
Disability Insurance Challenges for Doctors


Disability Insurance News:
Aetna Criticized for obvious bias in reviewing LTD claim.
Indiana District Court criticizes Aetna for denying benefits to Amazon Employee


Disability Conditions:
This little known genetic condition can result in a disability insurance claim. How can Attorneys Dell & Schaefer assist you with a EDS claim?
Ehlers Danlos Syndrome Long Term Disability Claims