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
Disability Insurance Claims Law Blog
Keeping Disability Insurance Companies Honest and Helping Claimants Collect LTD or STD Benefits
The Disability Insurance Claims Law Blog, published by Dell & Schaefer PA, focuses on legal issues related to disability insurance claims and appeals. It covers strategies for obtaining long-term disability benefits, handling denials, and navigating the appeal process under ERISA and other frameworks. The blog discusses how disability insurance companies evaluate medical evidence, occupations, and disabling conditions, and it provides guidance on working with doctors and experts to strengthen claims. It also addresses litigation tactics, settlement negotiations, and the impact of discretionary clauses in insurance policies. Additionally, the blog offers resources such as company reviews, lawsuit stories, and tips for claimants to improve their chances of benefit approval.
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Latest from Disability Insurance Claims Law Blog
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.…