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Testimonials from Clients and Colleagues



We are committed to providing the highest level of legal representation and treating our clients in the same manner that we would want to be treated if it was our own case. For privacy purposes the full name of each person listed below has not been disclosed.

The ethic rules regulating attorneys require us to state that you should not create any unjustified expectations based upon the information listed below. Upon request we can provide you with the name of numerous past clients in order to discuss their experience of working with our firm.


Attorney Alex PalamaraAttorney Alex Palamara worked on this case

I am glad that I found your law firm on the web via Youtube.com. I want to thank you for all your help in obtaining my disability claim and waiver of premium. It feels like it was the right choice for me to accept their buyout so I don’t have to worry about being denied my claim in the future.

Even more important it feels great to have beaten the evil empire of Cigna.

I wish all your clients success in fighting these people. It’s worth the effort no matter how sick you feel.

Thanks again for all the hard work and good luck in your future.

Michael, Maryland

Attorney Alex PalamaraAttorney Alex Palamara worked on this case

I applied for and was denied my LTD insurance a little over two years ago. I was distraught, I had no idea they could just refuse you. My Social Security disability lawyer gave me Dell and Schaefer’s name and phone number. I called the next day, and they immediately called me back and set up an appointment the next day, for me to speak to Alex Palamera on the phone. They are located in Florida.

He was extremely empathetic and friendly. He took all of my information and he and Danielle Lauria, who works with the lawyers, prepared a statement to the insurance carrier. They also send me copies of everything that they send out. They sent a very professional and informative letter explaining why I should not be denied the insurance. The insurance company immediately decided to pay me the insurance that I signed up for.

I have always received quick information and phone calls, whenever I request assistance. They did have to do another appeal for me, recently. It was very involved, but written up extremely well. I was offered a settlement, and they were even able to get the in Insurance company to increase it for me. I would recommend Mr. Palamera and this law firm,to anyone who has a problem with their LTD insurance. I don’t have a single complaint about the way I was treated. I’m extremely thankful for their help over the last few years.

Why would you recommend Attorneys Dell & Schaefer?

They were always polite, professional and friendly when I spoke with anyone in the office. I always received a quick response to any questions I had. The letters and appeals that Mr. Palamera sent out were extremely well done. I can’t think of a single reason that anyone could want another lawyer.

What could we do to improve?
I have no suggestions, I can’t think of any improvements that can be made.

Karen F., New York

Attorney Cesar GavidiaAttorney Cesar Gavidia worked on this case

Working with Cesar and Michal at Dell & Schaefer was a great pleasure. It was a rather “long distance” relationship (Illinois to Florida), but that did not matter. I do not have internet at home, but can get access at another location, and they were willing to work around my limited internet access and my schedule. They would send documents by email that needed signatures, and would call me directly if something was needed urgently. They were available for questions, usually the same day, but always within 24 hours. Cesar was very upfront from the beginning about what he needed from me as well as what the possible outcomes could be, good or bad. I’m am happy to say my case was successful!! Though I am happy the case is resolved, I will miss working with Cesar and Michal, they are very nice and very concerned people, and they want the best for their client. Thank you so much for everything!!

Why would you recommend Attorneys Dell & Schaefer?
Dell & Schaefer was recommended to me by my SSD law firm when my LTD insurance denied my appeal. Like my SSD law firm, Dell & Schaefer specialize in LTD claims. Because that is all they do, and they have been in business for a long time, they must be good at it. And, I am satisfied with the outcome of my case… we won!! Yeah!!

What could we do to improve?
I have always been told, at least on employee performance reviews, that there is always something about one’s performance that can be improved. Darned if I can find anything that I would say needs to be improved about the experience or the efforts made to resolve my case. I suppose I could wish that the case had been resolved sooner, but that is not within Dell & Schaefer’s control, and Cesar was upfront about the time frame from the beginning. Sorry?

Angela G., Illinois

Attorney Alex PalamaraAttorney Alex Palamara worked on this case

When I contacted Dell & Schaefer the attorney who I spoke with immediately put me at ease. All phone calls were answered and all email questions recieved a prompt reply. I never felt brushed off or dismissed. When you can’t fight for yourself, it’s nice to know that a team of caring professionals are fighting for you.

Why would you recommend Attorneys Dell & Schaefer?
Yes, I would definitely recommend Attorneys Dell & Schaefer, especially Mr. Palamara.

What could we do to improve?
Nothing really. Working with your firm was a very good experience. Mr. Palamara and Ms. Arriaga always treated me with respect, even when I would panic or stress about the case.

Jeanne T., New York

Attorney Stephen JessupAttorney Stephen Jessup worked on this case

Stephen Jessup of Dell & Schaefer did an extremely good job in advising me on a complicated long-term disability matter. He was very engaging and did his due diligence to quickly and efficiently guide me through an unresolved matter regarding my disability benefits.

I would highly recommend Steve and the Dell & Schaefer group for dealing effectively and efficiently with your disability issues when you need guidance. They are very knowledgeable in this field and know how the big disability insurance companies operate.

Why would you recommend Attorneys Dell & Schaefer?
Responsive, knowledgeable and understanding. Steve has great people/client skills. Excellent industry knowledge.

What could we do to improve?
I would not hesitate to refer people to Dell & Schaefer.

Charles C., Connecticut

Attorney Alex PalamaraAttorney Alex Palamara worked on this case

If you think the Insurance company is going to be FAIR, your WRONG! Get an attorney, I recommend Dell and Scahaefer. They entered my life approximately 4 years ago. I was in the mid years of my life, moving along routinely finishing up my 29th year of continuous employment as a professional Acute Care Registered Nurse, looking ahead to planning my future and possibilities ahead of me. I had planned to work at least another 15 years and maybe more if I could. I was hitting the peak of my value in the healthsytem that employed me and I loved my job. Income was never an issue for me, as in my profession I could always find work and make as much income as I needed raising a family etc… But just incase, my father always taught me to have a safety net. So every year for 29 years, around benefit time I would fill out the forms and check the boxes for STD and LTD and pay the monthly dues for those policies incase I would ever need them, never expecting to use them. Well life had other plans for me.

My illness began slowly, I made adjustments to my work schedule and life schedule hoping that would allow me to stay employed. I didn’t want to give up the money, my benefits, the years experience I had, the value I had to contribute etc… That lasted for about a year and half than suddenly my body just couldn’t do it anymore. My illness exacerbated, necessitating me to leave work. I went out on my STD policy and initially Aetna the carrier of the policy was cooperative and approved my claim. After several months when I didn’t improve my STD policy was over and it was time to begin my LTD. At this point Aetna suddenly switched and began to deny all my claims for the same illness they had previously approved. I was shocked and bewildered, I could not believe how Aetna could be doing such a thing. What was happening, how could they just say NO! This wasn’t fair, I paid into this for 29 years… and was lost as to what to do.

I did some research on line, and found out this was a common thing all insurers were doing to people who had these kind of policies. What a rip off I thought. Here I thought I had a safety net. I was so angry and realized I was disillusioned about this system and having a safety net. I sat and cried fluctuating between anger, sadness, worry, the gamut of feelings. What should I do I thought, I need help and help fast. I couldn’t live without income. I did some more research and found Dell and Schaefer, I went through their website reading all the information and decided I need to call them to see if they could help me. My illness was not listed as a common illness for disability approval.

When I called them, they put me through immediately to someone and took some information. Later that day an attorney called me back and went through my situation explaining to me all my options and that they could help me. I wasn’t ready to make a decision on the spot, so I told them I would call them back. I was skeptical because at this point I didn’t trust anyone for numerous reasons and felt like all the systems I had faith in were failing me. Is this going to be another rip off, I thought?

After thinking about it for a day or two and consulting friends and family, I nervously called back Dell and Schaefer and I told them my concerns, we talked some more they never pressured me. I reluctantly agreed, not because of something they said, it was my own issue with trust now clouding my decision. Reflecting back that was the best decision I ever made. My attorney in the firm was Alex Palamara, I dealt with him exclusively and he always called me back, emailed me and let me know what was happening promptly. Nothing was ever to small for him to answer and he had compassion when I would complain about how unfair Aetna was being with their denial of my case. And YES, they did deny, and are still trying to find ways to deny me to this day 4 years later. Through the hard work and timely action taking by the attorney my appeal was reversed and my claim continues to be approved with the help of the attorney. I no longer have random calls from Aetna asking me repetitive questions that I already answered numerous times and the firm continues to coordinate the yearly reviews with Aetna and my physicians. I faced another denial at the two year mark when the policy changes the definition of gainful employment. Yea isn’t that beauty they sneak into the policy that you have really don’t understand. Alex anticipated that fought that and I have had a seamless benefit check now for 4 straight years.

I will not give up my representation, as educated as I am, in no way am I versed in disability law and the new ways insurance companies try to get out of paying the policy we have paid our hard earned money into for a safety net. I know things will not be easy and I will have to fight to continue my benefits, having Dell and Schaefer gives me security that someone will be there fighting for me and my benefits. I can’t thank them enough, I find them to be prompt, compassionate, knowledgeable and very fair with their fees. If you are thinking about hiring an attorney for representation you will be pleased with this firm. As a side note, my last years of employment I worked for a large hospital system, my job was coordinating with the hospital, physicians and Insurance companies to make sure the hospital would get paid. Specifically, I worked on denials of patients inpatient hospital bills. The insurance company would deny claims for the most unbelievable reasons. They know some people will just give up and not fight, that’s what they are counting on. I didn’t think they would do the same thing with STD and LTD policies, I was wrong and naïve. Do yourself a favor HIRE an attorney immediately from the beginning, otherwise the carrier will jerk you around till you give up, and you may inadvertently say or fill out a form wrong or miss a date and boom your denied. You will never get your benefit you paid into. Hire Dell and Scahaefer.

What could we do to improve?
At this time I can’t think of anything.

Patricia T., Florida

Attorney Rachel AltersAttorney Rachel Alters worked on this case

My experience with this law firm was amazing. The turnaround on my case was unbelievable in a great way. It was business being handled however my team made me feel like a family member as well. The law firm is very professional, and attentive to your needs. If you’re seeking great representation, I recommend Dell & Schaefer to handle your needs. I would like to thank my attorney Rachel Alters and paralegal Sonia for the amazing job working on my case.

Why would you recommend Attorneys Dell & Schaefer?
The law firm are go-getters and take care of you as if you were family.

What could we do to improve?
To be honest I personally can’t think of anything for the firm to improve. Continue providing great service.

Monica H., Pennsylvania

After practicing dentistry for 34 years, I was forced to stop working due to a long history of cervical degenerative disc disease and associated complications that impair my ability to practice my profession. When I learned that this was a permanent condition and I would likely never be able to practice again, I contacted Dell & Schaefer to assist me with filing my private disability insurance claim. I wanted the expertise and guidance of an experienced disability attorney from the beginning so that I would not be faced later on with having to undo problems I might unknowingly create on my own. I was most fortunate to be represented by Mr. Steven Dell, who patiently answered each one of my questions and carefully steered me through every step of the disability claim process. He thoroughly got to know me, the history of my condition, and as my legal professional intermediary with the insurance company, guided me in compiling everything we needed for him to submit the claim for me. When Mr. Dell called to give me the good news that my claim had been successfully awarded and that he would continue to “be there” for me going forward, it was clearly confirmed to me that the key to this successful outcome was my decision, early on, to contact Dell and Schaefer.

Why would you recommend Attorneys Dell & Schaefer?
Their professionalism and personal care for me as a client; their extensive knowledge of disability law and experience in successfully dealing with disability insurance carriers; their long track record of successful disability claims outcomes; their availability and prompt responses to my questions as a client; their frank and honest full disclosure with no surprises from the beginning; their commitment to continue representing me as a client even after a successful disability claim award.

Greg S., Arizona

Attorney Rachel AltersAttorney Rachel Alters worked on this case

I had a very good experience. Rachel and Danielle were incredibly professional. They gave me a clear understanding of the process and timelines. I feel they are there fighting for me everyday. The process overall was very simple and enabled me to focus on my illness.

Why would you recommend Attorneys Dell & Schaefer?
I have two big reasons I would recommend them. One, They are available for my questions and concerns. I get a response quickly and honestly. Second, no matter how worried I got, they never made me feel alone. I always know I have someone in the battle with me.

Michael P., Michigan

Attorney Rachel AltersAttorney Rachel Alters worked on this case

This was a very stressful time in my life. The disability company to whom my employer and I had paid premiums to for 30 years and who had paid me disability benefits for the past 12 years had closed my case and denied my appeal. I wasn’t sure what to do.

Following in depth research, endless phone calls and phone interviews of potential representation, I chose Dell & Schaefer to represent me. I am very happy I made that decision.

Rachel and Sonia at Dell & Schaefer listened to my concerns and reasons for wanting to appeal my claim. They requested my personal statements and files from the disability company for their review. I felt they always kept me updated as things progressed and requested additional info when necessary.

This is not a quick nor easy ordeal to have to go through. However, having Rachel and Dell & Schaefer behind me, I felt I had the best representation possible on my side.

Why would you recommend Attorneys Dell & Schaefer?
They explained my options clearly and provided honest feedback. They didn’t make promises that sounded too good to be true. Their communication was open, timely and made me confident that I was in good hands.

Lesley C., Washington

Attorney Cesar GavidiaAttorney Cesar Gavidia worked on this case

My experience with Dell & Schaefer, especially attorney Cesar Gavidia and his staff was excellent. I contacted Dell & Schaefer when I needed help as my disability insurance carrier terminated my benefits at the 2 year mark of my disability. I spent about 2 months putting together what I thought may be a decent appeal of that decision. However, the further I got into the workings and gaining some understanding of how the appeals worked under ERISA, I realized there was a lot at risk and only had one shot at it. I sought advice from an immediate family member who is also an attorney and was advised “get a firm that specializes in this type of work, then get the best”. Hence my decision to chose Dell & Schaefer.

Upon acceptance of my case, I felt that I was the center of attention for Attorney Gavidia. I had already used up 1/3 of the 180 days allotted to file the appeal working on my own so we were in a bit of a time crunch. Hundreds of pages of medical records the detail of the termination of benefits, my disability policy and several other different documents were delivered to attorney Gavidia. In short order those documents were reviewed and our strategy of appeal was discussed and developed. Necessary appointments and evaluations were coordinated and our appeal was submitted before the 180 days had expired. At the 45 day mark my insurer requested a 45 day extension on the decision. I was advised by Mr Gavidia’s assistant Michal who reassured me that this happens in most appeals. At the 90 day mark we received a favorable decision on the appeal, benefits were reinstated and back pay was awarded, but the story was not over.

After the initial termination of benefits by my insurer, I was alienated and expressed my desire with attorney Gavidia to try and find an amicable separation for all parties. Attorney Gavidia tactfully used some facts and disputes of the initial claim to open conversation with the insurer’s attorneys. He developed a dialog proposing, although I remain totally disabled as defined by my plan, a lump sum buy out of my future monthly disability benefits. Attorney Gavidia was successful in reaching an agreement that was acceptable to all parties and made sure that I had the final say on acceptance or not.

Thus, working with Dell & Schaefer I had my benefits, which had been terminated, restored, received back-pay for benefits that were withheld and missed, and successfully and satisfactorily “divorced” from my insurance provider in the form of a lump sum buy-out of my future disability benefits.

Why would you recommend Attorneys Dell & Schaefer?
I would recommend Attorneys Dell & Schaefer for the following reasons:
– They get the desired results!
– They have the resources and expertise to handle complex cases.
– They strive to understand the clients situation and desires.
– They made me feel that I was the #1 priority and client.
– They were very responsive to telephone and email inquiries.

I chose Dell & Schaefer as I searched for “the best” I could find in this area or expertise. I was not disappointed. If I were starting over again today my choice would remain Dell & Schaefer.

Pat, Florida

Attorney Rachel AltersAttorney Rachel Alters worked on this case

I was fortunate enough to have Rachel Alters handle my LTD appeal in 2014. I took 180 days and when all was said and done it was 266 pages long! The detail was amazing and my denial was immediately overturned. I strongly suggest that an individual doesn’t go it alone in this process. I think the other great advantage to having her handle it is I can reach out to her anytime I have any issues or questions with the insurance company and she deals directly with them. I recently had an issue where they were not waiving my premium for the life insurance I ported when I had to stop working. Rachel not only got my premiums waived going forward, she got me a refund of all my premiums going back several years. One of the smartest things I’ve done was to contact Dell and Schaefer when my LTD was denied.

Mike F., Florida

Attorney Rachel AltersAttorney Rachel Alters worked on this case

I contact D&S regarding my claim with Liberty Mutual. I was out on disability for 11 years and was helped to get back on claim. It was nice to have their guidance helping me all the way especially when Liberty did not send all records and delayed the date. Everyone responded quickly and we got the claim resolved on the first round. Thank you!

Jennifer S., New Jersey

Attorney Stephen JessupAttorney Stephen Jessup worked on this case

I had a very positive experience with attorney Steve Jessup and his assistant Vanessa Arriaga. They were professional, patient and prompt with my case and always followed up on emails and phone calls. I felt informed and in charge of the decisions made and ultimately we had a very good outcome.

Why would you recommend Attorneys Dell & Schaefer?
This law firm certainly understands the disability world and knows how to get results. I felt very well represented and was thrilled to no longer have to personally deal with the disability insurance company. I had a very good line of communication with my attorney Steve Jessup. He does a great job keeping a client informed and reassured and everything he told me ended up being right on the money. I wouldn’t hesitate to recommend this law firm.

What could we do to improve?
Not much! My outcome was very positive.

Tammy B., Vermont

Attorney Alex PalamaraAttorney Alex Palamara worked on this case

Very professional and competent attorney. Mr. Palamara was able to win my appeal for my Long Term Disability Benefits in what I consider a very short period of time. I will enjoy working with him with any reviews I may have in the future. Having him handle my claim has taken a huge amount of stress off of me. I would also like to thank his staff. They were great to work with.

Why would you recommend Attorneys Dell & Schaefer?
Very competent and professional.

What could we do to improve?
I really cannot think of any improvements. It has been a very good experience.

Leigh F., Nebraska

Attorney Stephen JessupAttorney Stephen Jessup worked on this case

As with anyone who finds themselves empty handed and lost as it becomes apparent long term disability is their only means for income and support for their family, the web searches become unbelievably daunting on what firm could properly represent you and your case. It was extremely important to me I found a firm who had not only won against my private LTD policy, but had also won cases concerning my disease and the extraordinary challenges that accompany it. Dell & Schaefer fit those requirements on paper, and only affirmed through the roof they were the law firm for me. They are some of the most compassionate individuals I could have ever had the chance to work with, and from day 1 to the end, 14 months later they always treated me, just as me. I wasn’t a disability case, or a chronically ill patient, but someone who should feel and be empowered to fight for what I am rightfully owed. Their experience fighting cases shows, and I never once questioned hiring an attorney versus fighting the appeals myself. I would recommend Dell & Schaefer without hesitation to anyone I know.

Why would you recommend Attorneys Dell & Schaefer?
I would recommend Attorneys Dell & Schaefer because of their breadth of cases won, and for differing workers comp issues, and disabilities. There is very little if anything this law firm can’t handle, and if they couldn’t, I know they would be the first to be honest and refer someone to the absolute best. The entire staff is extremely professionalism and extraordinarily responsive. All of that you can find in time at another firm, but you can’t find how Attorneys Dell & Schaefer makes you feel, like the person you were before disability, and through disability – we are so much more than the sum of our claim, and every day the staff rests their hat to keep that character instilled in all they do.

What could we do to improve?
I can not think of much you could do to improve. I did work a lot with my paralegal, and continually asked her to call me by my first name, as if anything I wanted to build a connection with her. Although that didn’t happen, I do nonetheless (regardless of this is policy or not) appreciate her professionalism during my entire case. Only thing I would improve would be me living closer to thank each of you in person.

Alyssa S., Colorado

Attorney Rachel AltersAttorney Rachel Alters worked on this case

I have MS and from the first interview, Rachel always kept me informed about my chances of getting LTD. She understood my claim, answered any questions and represented me at any meetings I had with MetLife so I felt comfortable and at ease. Sonia was also on top of my claim and her correspondence was clear and understandable.

Why would you recommend Attorneys Dell & Schaefer?
I worked for Kaiser Permanente and had a group policy with MetLife. These are two very large organizations so I got Dell & Schaefer involved right from the beginning so my experience went smooth.

What could we do to improve?
There is nothing I can think of.

Janice L., California

Attorney Rachel AltersAttorney Rachel Alters worked on this case

I had an excellent experience working with the team at Dell & Schaefer. Ms Rachel Alters & her assistant Sonia Nogueira kept me updated on the status of my appeal on a regular basis & provided same day responses to my email inquiries, often calling to explain certain details that may have been too overwhelming otherwise. They were respectful, professional & extremely patient with me. Rachel was very clear & confident in our conversations & effective in communications with my physicians during the course of documenting my condition. My case involved a 10-year disability income stream that was suddenly & unexpectedly terminated. The financial situation it created & future uncertainty left me very stressed, so having such an experienced professional representing me was a huge comfort. I am very pleased & grateful that Ms Alters won my appeal. I feel as if a huge weight has been lifted!

Why would you recommend Attorneys Dell & Schaefer?
I found Dell & Schaefer online after unsuccessful attempts to find a local attorney that was familiar with ERISA disability plans & qualified to get terminated benefits reinstated. My situation was unique in the fact that I had already been receiving LTD benefits for almost 10 years, but was suddenly being told by the insurance company that my diagnosis no longer qualified for coverage. When I found the Dell & Schaefer site I watched a few videos, read a few articles & KNEW that if anyone had a chance at getting my LTD benefits back, it was them. I called a number on the website & the person who answered “got it” & understood that my sudden termination of benefits deserved a second look. They made some notes, took my name & number. I was amazed to find a missed call & voice mail received from Rachel Alters that day / evening. She tells you what you need to hear, even if it is not necessarily what you want to hear at the time. Rachel is direct, knowledgeable & compassionate. In my case, there was very sensitive material in my medical files, however it did not feel awkward for Rachel & her assistant Sonia (Nogueira) to have that information. They did not judge my neurological limitations or exasperated stress level. They took all of my concerns seriously & did not condescend… And most importantly of all, WE WON!

What could we do to improve?
Nothing… I am waiting for your accounting department to process my backpay direct deposit. Once that is complete & monthly deposits are set-up, the process will be full circle & I will be completely satisfied. Thank you so much for agreeing to take my case & providing such effective representation!

Paige M., Oklahoma

Attorney Stephen JessupAttorney Stephen Jessup worked on this case

I would have never received a penny if I did not seek the help of Dell & Schaefer Law Firm. I was not able to get The Hartford Insurance Company to pay me no matter what I did. I had paid into the system which was denying me the benefits when I needed them the most! I was sick, recovering from chemotherapy and was told by my doctors not to return to work until my lab values were within the normal range. Trust me I wanted to get better! Finally, with the consistent help of attorney, Stephen Jessup, we won the case and I received payments. I am now well and not in need of long term disability. This is a situation where the insurance company denied me until a law firm was there to back me up. When this firm says they will do whatever it takes they mean it. I highly recommend Stephen Jessup. I am thankful for the ability of this legal team to fight for our rights.

Why would you recommend Attorneys Dell & Schaefer?
Very friendly, professional.
Answers email and phone calls in a timely manner.
Understands the insurance system which denies us.

Patricia H., Hawaii

Attorney Stephen JessupAttorney Stephen Jessup worked on this case

I reached out to Dell & Schaefer because my ongoing disability claim was being closed, my 3 appeals were unsuccessful. Steve was extremely professional and empathetic to my situation. He did a lot of work & won the appeal with CIGNA, got the checks coming including all past payments. The care and prompt handling of my claim didn’t stop there. Steve and his assistant Sonia were always ready to answer questions & concerns promptly and professionally. They genuinely cared and were interested in how I was doing. After a year Steve negotiated a buyout settlement on my claim. I couldn’t be happier with his handling of the entire process. Steve and Sonia have truly made my life easier, I know I couldn’t have won my case alone. I can genuinely say I will miss them, their caring & kind words of reassurance. They always put my best interests first and foremost. I give them & the firm my highest recommendation. I would not hesitate to tell anyone who needs an attorney to use them.

Why would you recommend Attorneys Dell & Schaefer?
All of the staff that I’ve had the pleasure of working with have been very professional, prompt and friendly. From answering the phone to promptly processing my monthly payments, every single person has been excellent. The fees are very reasonable especially considering the level of value of service for the money. This firm is worth every penny.

What could we do to improve?
I honestly can’t think of anything you can do to improve.

Les D., Montana

Attorney Victor PeñaAttorney Victor Peña worked on this case

I’ve been very pleased with the work of Dell & Schaefer in connection with my private insurance disability claims. After the initial rejection of my claim by the insurer, I engaged Victor Pena to assist with an appeal, and he has been very effective in securing full benefits. Among other things, Victor understood the nature of my physical limitations in my profession, and he was able to address all the issues raised by the insurer. The paralegals at Dell & Schaefer have been equally effective, and I specifically want to recognize them for their efforts, their responsiveness, and their concern both for my condition and for my claim. I recommend Dell & Schaefer to anyone with an unsatisfied disability claim.

Owen G., Florida

Attorney Rachel AltersAttorney Rachel Alters worked on this case

I can’t Thank Rachel and Machal enough, my disability case was stopped by the Insurance company on Veterans Day 2016 so at that point I went for the Appeal myself, each level of appeal I lost even though I needed Back Surgery again, my only regret is not contacting Dell and Schaefer sooner. Disability companies are not your friend and when they play there paper work games and medical reviews, that’s when you want an attorney like Rachel on your side. Anyone reading this and wondering what to do if you have a denial letter from the disability company or an upcoming review, please call Rachel and let her handle everything, this firm works hard and it shows with there attention to detail and the concern for the client.?

Shaun D.

Attorney Jay SymondsAttorney Jay Symonds worked on this case

I am very satisfied with my experience working with Dell & Schaefer. From the first intake call to the assignment of an attorney, I always felt that my questions and concerns were answered completely and timely. The attorney that handled my appeal made a very overwhelming, difficult process manageable and assisted us step by step. When dealing with illness and disability, you are not able to stand up and fight for yourself and this is where the vast experience and recommendations with LTD were relied upon. In addition, the Legal Assistant assigned to my case was a valuable asset to the outcome by always keeping me updated on the progress of the case and any necessary documentation that was required from me. Communication from this team was excellent.

Why would you recommend Attorneys Dell & Schaefer?
Dell & Schaefer has the background and experience I needed for my LTD case. I would strongly recommend this firm to anyone experiencing issues with denial of a LTD claim.

Sherri L.

Attorney Alex PalamaraAttorney Alex Palamara worked on this case

I have been on LTD, since Aug 2016, and Cigna is my LTD Insurance Company. I received a couple of payments from Cigna, without any issues, but then the payments stopped in Oct, at which time I was informed by Cigna that they were “looking into” my claim. Cigna stopped contacting me, would not even return calls or emails, but finally contacted me in mid-December to inform me that they would not be continuing with my claim.

I contacted Dell & Schaefer in January, at which time I began working with Attorney Alex Palamara, Disability Appeal Specialist Randa Escayg, and Legal Assistant Kathy Bordes. These folks were always kind, professional, understanding, did a great job of explaining everything to me, and most importantly I could tell that they truly cared about the situation my wife and I had unfortunately found ourselves in.

I fully understand the feeling of being overwhelmed, when you are first denied, that David vs Goliath feeling of you against some huge conglomerate, that powerless and helpless feeling that overcomes you when you are sick and injured and at your most vulnerable. The only things that you are able to focus on are saving your family’s home, doing whatever you can to take care of them, all while you should be focusing your energy on getting better, as much as you are able, so that you can recover your life to what it once was, returning your current life of overwhelming stress and chaos to some semblance of normalcy. Well, as soon as I began working with Alex, Randa, and Kathy, I immediately felt better, like I finally had someone in my corner fighting for me, somebody who cared, and somebody who would stand up to that giant corporation, and make things right.

Alex won my appeal for me, and Cigna is in the process of restoring my full benefits, retro back to October. I cannot describe to you the feeling of joy and elation the moment my wife and I were notified we had won. To those currently dealing with a LTD company, and all of the madness that entails, just know that there is a light at the end of the long dark tunnel. You do still have hope, and you can certainly do no better than to have the wonderful folks at Dell & Schaefer in your corner fighting for you!!!!

Why would you recommend Attorneys Dell & Schaefer?
From my initial contact, to current time, all of my dealings with Alex, Randa, and Kathy have been very professional, and I always felt that my case mattered, that what my family and I were being put through, knowingly and intentionally by Cigna, mattered. The feeling of security cannot be overstated, especially during a time when you need to be focusing on healing, and not on how your next mortgage payment is going to be made.

What could we do to improve?
I cannot think of anything. I was impressed from my initial contact with Alex, through my initial correspondence with Randa, and that feeling continues.

Brett C.

Attorney Rachel AltersAttorney Rachel Alters worked on this case

I had a wonderful experience with my attorney. She explained everything to me on what to expect from her and what she could do for me. She kept me informed all along the way. She answered all my questions anytime one would come about.

Would you recommend Attorneys Dell & Schaefer?
I would recommend Rachel Alters to anyone who needed an attorney.

Catherine T.

Attorney Jay SymondsAttorney Jay Symonds worked on this case

Mr. Symonds, and all staff that I worked with at Dell & Shaefer, were professional in every aspect throughout the process of filing for a contested claim of Long Term Disability with The Hartford. After having approved Short Term Disability, and with no improvement in my condition, The Hartford somehow found that I was no longer disabled.

Mr. Symonds conducted research and collected collaborative documentation from all health care professional involved with my treatment, diagnosis, short/long term prognosis, and relevant history. In all aspects of preparation to submit my claim during the appeal process, Dell & Schaefer was diligent in tending to my interests and in preserving my privacy. Ultimately, my appeal was approved, Long Term Disability was retroactively enacted, and diligent service continues today, with Mr. Symonds and staff remaining accessible and responsive during every step of the way.

Bottom Line: I would engage Dell & Schaefer, and specifically Mr. Jay P. Symonds, for any legal needs; especially any issues with Short/Long Term Disability with The Hartford or any of their kind.

Why would you recommend Attorneys Dell & Schaefer?
The attorneys at Dell & Schaefer were easy to work with, and are efficient and effective in all areas related to my claim against The Hartford. This, along with reasonable fees/costs, provides for an overall highly attractive value proposition.

What could we do to improve?
I really didn’t find any deficiencies; fees/costs, accessibility, effectiveness, total customer satisfaction were all met at a high level.

Darrell H.

Attorney Stephen JessupAttorney Stephen Jessup worked on this case

I could not be happier with the service and dedication I received from Mr. Jessup and his team regarding my Long Term Disability from my employer. If not for Mr. Jessup I would have never had a favorable decision, as I had received two denials before I had contacted Mr. Jessup. My advice to anyone looking for a lawyer to go to bat for you without backing down and having your best interests a top priority Mr. Jessup is who you need to call.

Robin B.

Attorney Rachel AltersAttorney Rachel Alters worked on this case

I reached out to Dell & Schaefer online after my disability claim denial. Rachel Alters called me that very day to discuss my case and clearly outlined the process. Rachel proactively scheduled time with me once she decided to take my appeal, to review my contract with Dell & Schaefer, address any questions I had about the process or the terms of the contract, as well as provide insight on what to expect once my appeal was filed. Ultimately, Rachel won my appeal against MetLife, which meant that I could focus on getting better! I cannot express how grateful I am to have partnered with Dell & Schaefer to successfully win this appeal.

Why would you recommend Attorneys Dell & Schaefer?
Early in my conversations with Rachel, it was obvious to me that she had solid experience with insurance and disability appeals for executives. Everyone at Dell & Schaffer, Rachel and her assistant Kathleen, was very responsive in a timely way to my inquiries. I appreciated that so much, as sometimes working through insurance processes feels like a ‘black hole’! Rachel and Kathleen made sure that I always knew the status of my case. Even if we didn’t win my appeal, I would feel confident that I had partnered with the best firm to represent me. But in my case, we did win the appeal which makes my recovery possible!

What could we do to improve?
I cannot think of anything about my experience with Dell & Schaefer that would need improvement. Even though we live in separate states, and 100% of our communication was via phone/email/fax, I never felt remote in the process. Thank you so much for helping me.

Kristin Y.

Attorney Jay SymondsAttorney Jay Symonds worked on this case

Dell & Schaefer was very helpful with getting my disability benefits paid. They answered all my questions, they were not pushy. They were always kind, professional and friendly. I would highly recommend their services.

William K.

Attorney Jay SymondsAttorney Jay Symonds worked on this case

When I called Dell & Schaefer I was at a loss of what to do after receiving notice from Cigna that they were terminating my disability benefits after 8 years of having them with no issues. When Jay Symonds called me back, he was very empathic & took plenty of time to answer all of my questions. Given that I had never gone through this before he even advised me to look into other law firms if it would make me more comfortable. We had a few conversations before I retained them & he was very thorough in explaining everything that I could expect from them as my attorneys as well as what to expect from the appeal process. Throughout the entire appeal Vanessa or Mr. Symonds always kept me up to date & always made themselves available to talk & answer any questions I had. I am so glad I went with Dell Schaefer versus another firm because I doubt I would have received the same personal attention, & that meant a lot to me under such a stressful situation. Everyone I’ve encountered at Dell & Schaefer has been professional & courteous & I would highly recommend their firm to anyone needing a disability attorney.

Why would you recommend Attorneys Dell & Schaefer?
They are thorough with their answers to any questions you have. They keep you updated throughout the case. They make themselves available by phone if you have questions & need to talk about your case. They are understanding & empathic so you don’t just feel like another client. They are patient even when you are getting frustrated with the process… it is a stressful thing to go through.

What could we do to improve?
I’m not sure other than possibly send some of the documents as Word documents vs PDF documents because sometimes I couldn’t open the PDF documents. Most of my frustrations (& they were few) came from the stress of the situation. Vanessa was a great communicator both via email & phone. I truly appreciate her always taking the time to answer my questions & look into the ones she didn’t know off hand. She always got back to me with anything she had to look in to.

Alicia G.