Frequently Asked Questions

The Frequently Asked Questions (FAQ) section of our website was designed to provide general information regarding long-term disability insurance claims. The information is not legal advice and is for informational purposes only. We have listed below the 10 most recent questions and you can view additional Frequently Asked Questions by either selecting one of the FAQ Categories on the right side of the page or using the SEARCH FAQ box. We welcome you to contact Attorneys Dell & Schaefer for a free consultation to discuss your disability insurance claim.

Recently added:

• If I am physician claiming long term disability, can I treat myself?

  Disability attorney Gregory Dell discusses whether a physician claiming long term disability can treat themselves. The answer to this question is that even if you are a physician and you may know every single thing... » Click to continue reading

• If I am approved for Social Security does that mean the disability insurance company must approve my disability claim?

  Disability attorney Stephen Jessup discusses how an approval from Social Security for beneifts relates to a claim for disability insurance benefits. Just because the Social Security Administration has approved you for benefits under their standards,... » Click to continue reading

• What can I do if the disability insurance company is delaying disability payments?

  Disability attorney Cesar Gavidia discusses what options a claimant may have when their disability insurance company has delayed their payments. If a disability insurance company has been dragging their feet, it’s been more than 90... » Click to continue reading

• What does it mean when a disability insurance company pays disability benefits under a “reservation of rights”?

  Disability attorney Cesar Gavidia discusses what it means when a claimant receives payment under a “reservation of rights”. Payment under reservation of rights can continue from up to three months to six months, even up... » Click to continue reading

• What are the most common disabling conditions for a long term disability claim?

  Disability attorney Gregory Dell discusses some of the most common disabling medical conditions in a claim for long term disability benefits. There are generally two sources of disability. Number one is accidents and number two... » Click to continue reading

• What type of doctor should I be treating with in order to claim long term disability benefits?

  Disability attorney Gregory Dell discusses what type of doctor a claimant should be treating with in order to claim long term disability benefits. Disability claimants often call us and ask what type of doctor they... » Click to continue reading

• Can a disability insurance carrier claim an overpayment if a claimant receives worker compensation benefits?

  Disability attorney Gregory Dell discusses how receiving workers compensation benefits may affect your disability insurance benefits. If you are receiving workers’ compensation benefits, the likelihood is that your disability carrier is going to claim an... » Click to continue reading

• What are my options if the disability insurance company does not respond to my ERISA appeal within 45 days?

  Disability attorney Stephen Jessup discusses what options a claimant has if their disability insurance company does not respond to their ERISA appeal within 45 days. If you don’t have a decision back on your appeal... » Click to continue reading

• Can I earn money while I collect long term disability benefits?

  Disability attorney Gregory Dell discusses if a claimant is able to earn income while receiving long term disability benefits. Disability claimants often ask me if they can earn money through some other method besides just... » Click to continue reading

• Why does the disability insurance company request my tax returns?

  Disability attorney Stephen Jessup discusses why a disability insurance company will request a claimants tax returns. The insurance companies are going to ask for your tax returns for a handful of reasons. First and foremost,... » Click to continue reading