Dell & Schaefer PA

Disability Insurance Lawyers Helping the Disabled Since 1979.

We are disability insurance attorneys that have helped thousands of claimants nationwide to obtain STD, LTD and long term care benefits. We represent claimants at all stages of a claim for disability income benefits, which includes the disability application process, monthly claim handling, denial of disability benefits, ERISA appeals, lawsuits to recover disability benefits and lump sum policy buyouts for individuals that are currently being paid disability income benefits. We always offer a free consultation.

This Week on DIAttorney.com: Hartford Disability Claim Q&A

By Gregory Dell

June 5, 2020

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?…

Disability Insurance Claims Law Blog

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

By Gregory Dell

May 28, 2020

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…

Disability Insurance Claims Law Blog

What Are the Remedies in an ERISA Long-Term Disability Lawsuit?

By Gregory Dell

May 22, 2020

https://www.youtube.com/watch?v=wBW_zoFo8-g When you need to file an ERISA disability lawsuit because of a disability, you have two avenues you can take: Settlement or litigation. The two important things to know before you make that decision are that you usually get less if you settle, and litigation could take several years if you or the insurance company decides to appeal. If you have excellent medical documentation that shows you have an LTD – a long-term disability…

Disability Insurance Claims Law Blog

Should I Allow a Disability Insurance Company to Interview My Doctor?

By Gregory Dell

May 15, 2020

https://www.youtube.com/watch?v=QHtjMWtpw2o When it comes to a disability insurance claim denial, many intricate details lead to the subsequent appeals and lawsuits. A crucial element in most claims is the attending physician’s statement, records and diagnosis. This can substantially bolster a policyholder’s disability claim, but only if it’s documented in a proper way that actually benefits the claimant.…

Disability Insurance Claims Law Blog

This Week on DIAttorney.com: Hartford Disability Lawsuits and Appeals

By Gregory Dell

May 8, 2020

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 lawyers see the same techniques used by Hartford to deny disability benefits. Learn about them on our new page about…

Disability Insurance Claims Law Blog

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

By Gregory Dell

May 1, 2020

https://www.youtube.com/watch?v=3JnmaGL33Hc 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…

Disability Insurance Claims Law Blog

Why Does UNUM Deny Disability Claims for Long-Term Diseases?

By Gregory Dell

April 24, 2020

UNUM is a large insurance company that provides insurance for workers through their employers. However, when it comes to paying disability claims for long-term diseases such as fibromyalgia, the insurance giant consistently denies claims, especially for those who go on short-term disability and start working again. Two issues lead to disability insurance claim denial. If UNUM denied a claim you filed for long-term disability, contact a disability insurance attorney as soon as possible. Denied…

Disability Insurance Claims Law Blog

How Can I File a Reliance Standard Disability Appeal After a Denial?

By Gregory Dell

April 16, 2020

https://www.youtube.com/watch?v=h1T514-Q1A4 After handling hundreds of claims against Reliance Standard for long-term disability denials, the attorneys at Dell & Schaefer law firm give some tips and insights for those who need to file an appeal. Disability insurance lawyer Greg Dell and fellow attorney Alex Palamara explain that the large majority of LTD cases with Reliance Standard insurance company are ERISA appeals because the company writes group disability policies as part of employee benefits. Understanding how these…

Disability Insurance Claims Law Blog

This Week on DIAttorney.com (04/10/2020)

By Gregory Dell

April 10, 2020

Q&A – Disability Policy Language If you qualify for a stimulus check, will the stimulus check be an offset to a Disability Insurance benefits? Will your COVID-19 Stimulus Money be an Offset to your LTD Benefits? Resolved Case: Dell & Schaefer secure long term disability benefits for our client after MetLife attempts to deny her claim as it transitions from short to long term disability. MetLife Approves LTD Claim For Cervical and Thoracic Pain…

Disability Insurance Claims Law Blog

What Every Disability Insurance Policy Holders Should Expect When Defining their Occupation

By Gregory Dell

April 3, 2020

https://www.youtube.com/watch?v=tx5CbKWyE60 Disability insurance attorneys Dell & Schaefer discuss the pre-disability occupation duties of the claimant and their impact when seeking LTD benefits. GREG DELL: Hi, I’m Greg Dell here with attorney Stephen Jessup. And we handle thousands of long-term disability applications for disability claimants across the country. And in this video, I want to concentrate on the importance of clarifying what the occupation is of the claimant, and also how this classification of inability to…

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This Week on DIAttorney.com: Hartford Disability Claim Q&A

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

What Are the Remedies in an ERISA Long-Term Disability Lawsuit?

Should I Allow a Disability Insurance Company to Interview My Doctor?

This Week on DIAttorney.com: Hartford Disability Lawsuits and Appeals

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

Why Does UNUM Deny Disability Claims for Long-Term Diseases?

How Can I File a Reliance Standard Disability Appeal After a Denial?

This Week on DIAttorney.com (04/10/2020)

What Every Disability Insurance Policy Holders Should Expect When Defining their Occupation

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