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.

How Does UNUM Define Disability?

By Gregory Dell

February 16, 2021

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: UNUM’s Definition of “Own Occupation” How Can a Claimant Prove What Their “Own Occupation” Is? What Is “Any Gainful Occupation”?…

Disability Insurance Claims Law Blog

Tips to Prevent a MetLife Disability Benefit Denial After A Claim Approval

By Gregory Dell

February 16, 2021

MetLife seems to be committed to finding a way to deny your claim even after you have received a letter telling you your claim has been approved and you will receive benefits for “x years” or “until you reach the age of 65.” The company leaves out the caveat that they will be frequently monitoring your medical condition, looking for a way to deny you further benefits. At Dell & Schaefer, our disability insurance attorneys…

Disability Insurance Claims Law Blog

When Should You Hire A Disability Insurance Attorney?

By Gregory Dell

February 3, 2021

In this video and article disability insurance attorneys Gregory Dell and Stephen Jessup discuss: When should a disability insurance claimant hire an attorney? Learn the 4 times a disability insurance attorney can help claimants receive disability insurance benefits and the importance of hiring an ERISA trained attorney to represent disability income policy holders seeking benefits. Gain insight into:…

Disability Insurance Claims Law Blog

What Can Claimants Expect from Disability Insurance Companies in 2021?

By Gregory Dell

February 3, 2021

While the COVID-19 pandemic continues to impact everyone (and, by extension, long term disability insurance companies), disability claimants may be wondering what to expect in 2021. Will telehealth appointments instead of in-person ones be enough to keep you on claim? Will the trend of an increase in insurance carrier denials continue? What should claimants do now to preserve their rights? Below, two of Dell & Schaefer’s experienced long term disability insurance attorneys discuss what to…

Disability Insurance Claims Law Blog

Options if Your Principal Disability Benefits Claim is Denied

By Gregory Dell

January 14, 2021

Receiving a letter denying your claim for long term disability benefits can be a huge blow, especially if your condition is preventing you from earning an income or taking part in hobbies and activities you once enjoyed. What options do you have if Principal Financial Group has denied your claim for long term disability insurance benefits, and where should you go from here? Read on to learn more about the factors to consider when deciding…

Disability Insurance Claims Law Blog

Maintaining Your New York Life Long Term Disability Insurance Benefits

By Gregory Dell

January 7, 2021

New York Life recently acquired Cigna to become one of the biggest long term disability insurance carriers in the country, and unfortunately, this merger has only expanded some of the more frustrating parts of Cigna’s claims handling process and culture. It can be easy to become complacent after you’ve begun to receive benefits, but these benefits can be short-lived if you don’t take some proactive steps to preserve your entitlement to disability benefits. Your answers…

Disability Insurance Claims Law Blog

What to Know About Protecting Your Northwestern Mutual Long Term Disability Benefits

By Gregory Dell

January 4, 2021

Though you may think that being approved for long term disability benefits is the end of the race, disability insurers like Northwestern Mutual handle their benefit claims on a month-to-month basis – which means that disability claimants must prove that they are entitled to continue receiving benefits each month. Below, we’ll explain more about what we’ve learned after handling thousands of Northwestern Mutual disability insurance claims and what claimants can do to keep their monthly…

Disability Insurance Claims Law Blog

Tips to Prevent Standard Insurance From Denying Your Disability Insurance Claim

By Gregory Dell

December 22, 2020

Nearly one in every four U.S. adults will live with a disability at some point in their lives. For many of these people, long term disability insurance is the financial bridge they need to help them transition out of the workforce and seek training in another profession or pursue Social Security disability benefits. But when it comes to securing and maintaining your long term disability benefits through Standard Insurance Company, the process can be anything but standard.…

Disability Insurance Claims Law Blog

What to Know About Your Prudential Disability Buyout Options

By Gregory Dell

December 17, 2020

Prudential is one of the world’s largest long term disability insurance carriers and often will offer long term disability insurance claimants a lump sum buyout of their policy—providing the claimant with a lump sum of money in exchange for canceling the policy and eliminating the claimant’s right to ongoing disability benefits from Prudential. While this can often make financial sense for a claimant who needs these funds to pay bills or retrain for a different…

Disability Insurance Claims Law Blog

What Claimants Should Know About Applying for Reliance Standard Disability Benefits

By Gregory Dell

December 8, 2020

Navigating the process of filing for long term disability benefits with an insurance carrier like Reliance Standard can be a challenge, even for the most well-organized claimant. Insurance carriers often seem to speak their own language, which can make claim denials seem unfair and arbitrary. At Disability Insurance Attorneys Dell & Schaefer, we’ve handled literally hundreds of claims against Reliance Standard and know exactly what they’re asking (and not asking) in their disability claim forms.…

Dell & Schaefer PA

Dell & Schaefer PA Blogs

Blog Authors

How Does UNUM Define Disability?

Tips to Prevent a MetLife Disability Benefit Denial After A Claim Approval

When Should You Hire A Disability Insurance Attorney?

What Can Claimants Expect from Disability Insurance Companies in 2021?

Options if Your Principal Disability Benefits Claim is Denied

Maintaining Your New York Life Long Term Disability Insurance Benefits

What to Know About Protecting Your Northwestern Mutual Long Term Disability Benefits

Tips to Prevent Standard Insurance From Denying Your Disability Insurance Claim

What to Know About Your Prudential Disability Buyout Options

What Claimants Should Know About Applying for Reliance Standard Disability Benefits

Stay Connected

Company

Products

Support

New to the Network

Dell & Schaefer PA Blogs

Blog Authors

Latest from Dell & Schaefer PA