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

MetLife is a gigantic disability insurance company that sells both short-term disability (STD) and long-term disability (LTD) benefit policies. You may not realize that each policy is different. This means that your best shot at avoiding a denied disability claim, and of being approved without needing to go through an appeals process, is to have the help of a disability insurance law firm.

At Dell & Schaefer, the first thing we do is review your policy. We determine exactly the definition used in your policy for disability and work from there. Often, for the first 24-months of receiving disability, you must show that you are unable to perform the material duties of your own occupation. After that, the definition may change and require you to show you are unable to perform the duties of any occupation for which you have education or training.
Continue Reading How Can I Get Approved for MetLife Disability Insurance Benefits?

Are you running into roadblocks with your doctor as it relates to asking for disability? In this video and article, disability insurance Attorneys Gregory Dell and Cesar Gavidia discuss how to ask your doctor for disability, how to get your doctors to complete disability insurance documentation, and the importance of keeping your doctors informed of your daily struggles, symptoms, and the limitations that effect the requirements of your job.

GREG DELL: Hi, I’m Greg Dell with attorneys Dell & Schaefer here with Cesar Gavidia. And today’s disability insurance question is, “How do I ask my doctor for disability?” And this is probably, Cesar, one of the most challenging aspects of any disability claim because you know that if you don’t have medical support, you’re never getting approved for disability. That’s the way it goes with any of these disability claims.
Continue Reading How Do I Ask My Doctor For Disability?

Qualifying for disability insurance benefits is not a given just because you hold a disability policy through an employer or other organization. In this article, learn how to actually qualify for the disability insurance benefit in your existing policy.

The Dell & Schaefer disability insurance law firm handles long-term and short-term disability insurance claims rather than benefits provided by Social Security disability programs. There’s a big difference between the two, so this article focuses specifically on disability claims filed by insurance policyholders.
Continue Reading How Can I Qualify to Receive Disability Insurance Claim Benefits?

As attorneys at Dell & Shaefer disability insurance law firm, we’ve seen just about every type of medical condition and are fully equipped to understand what’s involved to get paid your disability income benefits. Following is a glimpse of the five most common health issues leading to disability claims, as well as some essential things that disabled policyholders should know. Continue Reading The Most Common Causes of Disability Insurance Claims and Benefits

Research
An insured whose dependent children receive Social Security Survivor Benefits is fighting with Cigna over a potential application of an offset related to the dependent benefits.
Is Cigna Seeking To Offset Disability Benefit by Social Security Survivor Benefit?

Q&A – Applying for Benefits
What does it take to get approved for disability insurance benefits?
Is It Hard To Get Approved For Long Term Disability Insurance?

Research
Disabled Healthcare Coordinator that was denied LTD benefits under the Own Occupation disability provision by CIGNA is on claim after Dell & Schaefer Appeal.
CIGNA Overturned Their Denial of LTD Benefits for Nevada Healthcare Coordinator

Q&A – General Questions
Disability insurance attorneys answer the question, “Do I qualify for disability insurance benefits?”
How Do I Qualify for Disability Insurance Benefits?

Research
Michigan Court reverses Reliance’s termination decision and finds Plaintiff proved by a preponderance of the evidence that he is totally disabled from working at any occupation due to cognitive disorders.
Is Plaintiff Entitled to LTD Benefits When Unable to Work in Any Occupation?

Q&A – Disability Companies
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 his policy.
How Does UNUM Define Disability?

Hartford Disability Claims Q&A
How long can you expect benefits from your Hartford short or long term disability claim? The answer may surprise you.
How Long Does a Hartford Short Term or Long Term Disability Claim Last?

Hartford Disability Claims Q&A
Understand your rights once your Hartford short term disability income claim has been denied. Check out this video for more.
What Happens If My Hartford Short Term Disability Claim is Denied?