Gregory Dell and Stephen Jessup explain the legal landscape for long-term disability insurance claims in Florida, covering both ERISA-governed group policies and private individual policies. For ERISA claims — which make up roughly 90% of cases — Florida falls
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.
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https://www.diattorney.com/
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Can You Win a New York Life Disability Appeal?
By Gregory Dell
Gregory Dell and Cesar Gavidia answer common questions about the New York Life disability appeal process. They begin by addressing whether claimants have a legitimate chance of getting a denial reversed, with Gavidia emphasizing that success is absolutely possible…
Can A Severance Package Prevent Me From Getting Long Term Disability Benefits?
By Gregory Dell
Gregory Dell and Cesar Gavidia explain a critical issue many disabled employees face: how signing a severance agreement with an employer can inadvertently destroy your right to pursue long-term disability benefits. This commonly arises when an employee has been…
Are Disability Insurance Company Doctors Fair?
By Gregory Dell
Gregory Dell and Stephen Jessup discuss whether doctors employed by disability insurance companies are fair when reviewing claims. Both attorneys agree that these doctors are overwhelmingly biased, routinely cherry-picking medical records to justify denials while ignoring evidence that supports…
Unum Long Term Disability Insurance Appeal Tips
By Gregory Dell
This discussion focuses on how disability appeals with Unum work, particularly after a claim has already been approved and then denied. The attorneys explain that once benefits are cut off, Unum is not required to continue payments during the…
Lincoln Financial LTD Appeal Tips
By Gregory Dell
This discussion focuses on common questions about appealing a long-term disability denial from Lincoln Financial, particularly how long the process takes and why it cannot be rushed. Although claimants often want immediate action due to lost income, preparing a…
Are All Disability Insurance Claims Denied?
By Gregory Dell
This discussion addresses the common belief that disability insurers deny all claims, clarifying that while many claims are approved, denials are still frequent—especially during key transition periods. The attorneys explain that although insurers may approve a large percentage of…
Prudential Long Term Disability Insurance Appeal Tips
By Gregory Dell
Our long term disability lawyers answer common questions about appealing a disability claim denial from Prudential. We explain that the success of an appeal largely depends on the strength of the evidence supporting the disability. Claimants must provide strong…
Prevent a Disability Insurance Benefit Denial Due to a Change of Disability Definition
By Gregory Dell
Long term disability attorneys Rachel Alters and Gregory Dell explain how disability insurance claims are often reevaluated when the definition of disability changes from “own occupation” to “any occupation.” During the first phase—typically the first 24 months under many…
Denied Disability Benefits by Lincoln? Learn How Misclassification of Job Duties Can Affect Your Claim
By Gregory Dell
Discover how a battle for disability benefits against Lincoln highlights the importance of accurate job classification and the challenges claimants may face.…