ExAsk A Disability Lawyer. We Have Answers to Hundreds of Frequently Asked Disability Insurance Questions

Our Legal Experience Can Get Your Disability Benefits Paid

An ERISA Disability Appeal Must Be Strategically Drafted

Appeal An ERISA Disability Appeal Must Be Strategically Drafted

98% of Our ERISA Disability Lawsuits Result In Benefit Payments

Lawsuit 98% of Our ERISA Disability Lawsuits Result In Benefit Payments

A Private Disability Policy Denial Does Not Require A Lawsuit

Denial A Private Disability Policy Denial Does Not Require A Lawsuit

Don’t Apply For Disability Insurance Benefits Without Legal Help

Application Don’t Apply For Disability Insurance Benefits Without Legal Help

A Lawyer Managing Your Disability Claim Is To Protect Against...

Claim A Lawyer Managing Your Disability Claim Is To Protect Against...

Videos, Questions, Resolved Cases, Lawsuit Summaries & Company Reviews

disability insurance companies complaints

View videos, articles, resolved cases and claimant reviews about your specific disability insurance company.

Hundreds of Resolved Disability Cases Searchable By Company or Condition

Resolved Cases Hundreds of Resolved Disability Cases Searchable By Company or Condition

Our Knowledge About Your Disabling Condition Is Essential For Approval

Disabling Conditions Our Knowledge About Your Disabling Condition Is Essential For Approval

Ask A Disability Lawyer. We Have Answers to Hundreds of Frequently Asked Disability Insurance Questions

Ask A Disability Lawyer. We Have Answers to Hundreds of Frequently Asked Disability Insurance Questions

Disability Insurance Lawyers Helping the Disabled Since 1979

We are honored to be routinely recognized as one of the most experienced and qualified disability insurance law firms representing disability insurance claimants nationwide. If you are seeking to collect short or long term disability insurance benefits from any disability insurance company, then our disability lawyers want to discuss your claim and let you know immediately if we can help you get paid. We never charge any fees or costs unless you collect benefits. We welcome you to contact us now for a free review of your disability insurance claim with one of our disability insurance attorneys.

How can we help you?

Our disability insurance lawyers have helped thousands of disability insurance claimants throughout the United States to collect hundreds of millions of dollars of disability insurance benefits from every major disability insurance company.

We help individuals at all stages of a claim for disability insurance benefits which includes:

In more than 98% of the cases that we have handled, our lawyers have been able to either get our clients paid monthly disability benefits or obtain a one time lump-sum settlement. We limit the number of cases that we accept as disability insurance claims are complex and each client's claim requires a high attention to detail and consistent management in order to make sure that disability benefits are paid for as long as the client needs the payments.

Please explore and search our website to learn about our law firm's experience in handling claims against your specific insurance company. Our website is the number one resource on the internet for disability insurance claim information and we regularly add new frequently asked questions, articles about recent disability lawsuits and “how-to” disability insurance videos specific to each disability company. We have hundreds of client reviews, resolved case summaries, and over 500 unique disability insurance videos to further inform you about our law firm's experience. During your visit to our website you can leave a review about your disability insurance company and read hundreds of public comments from people that have either asked questions or shared their experience about a specific disability insurance company.

We have expanded our reputation as highly skilled disability insurance attorneys through the disability benefit education we have provided to the millions of people that have visited our website and watched our hundreds of YouTube disability videos.

Several of the disability companies have unsuccessfully hired lawyers to try to get us to stop publishing information about their claim handling tactics and claimant's experiences; yet we won't stop the truth from being told.

We built the leading resource on the internet for disability insurance information with over 1,600 pages of original content, 500+ original videos, 11,000+ public comments, continually updated and detailed information about 43 specific disability companies, and 200+ answers to frequently asked questions. We want our clients to have the best understanding possible about a disability insurance claim so that we can work together to make sure benefits are paid.

Who We Help

Our lawyers help individuals that have either purchased a long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer. We have helped individuals in almost every type of occupation with monthly disability benefit payments ranging from $1,500 to $50,000. Our clients include all types of employees ranging from retail associates, sales representatives, government employees, police officers, teachers, janitors, nurses, pilots, truck drivers, financial advisors, doctors, dentists, veterinarians, lawyers, consultants, IT professionals, engineers, professional athletes, business owners, and high level executives. A strong understanding and presentation of the duties of your occupation is essential for securing disability insurance benefits.

Who Are Attorneys Dell & Schaefer?

We are a nationwide disability insurance law-firm composed of 35 employees with a 17,000 square foot national headquarters office located in Hollywood, Florida. Our law firm is managed by attorney Gregory M. Dell, who has earned a nationwide reputation as a disability insurance lawyer by successfully securing long term disability benefits for thousands of claimants nationwide against every major disability insurance company. Our high level of customer service, commitment to give our clients 110% on each claim we work on and setting honest reasonable expectations for every client is what makes working with our firm unique. From the moment you call us, you will immediately be connected with one of our disability lawyers and you will feel the confidence we have to assist with your claim, knowledge we have about your particular insurance company and medical condition, and most important you will get an honest opinion that you may or may not like about whether we think we can help you to collect disability insurance benefits. Unfortunately, we rarely get to personally meet most of our clients located throughout the United States as they love the option of never having to leave their home while we handle every aspect of the claim. We used to have multiple office locations throughout the country, but with our transition to a paperless office in 2006 and the high speed of email and video conferencing our lawyers can efficiently service our clients from any location without the need to inconvenience the client to come to one of our offices. Our goal and job is to help you get your disability insurance benefits paid.

What's New

We constantly report on the latest disability insurance lawsuits, claim handling trends and answer to questions and comments.


Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.


Bruce R. (Arizona)

Steve Dell has done an exceptional job with my disability application process. The firm is extremely well managed. They have acquired an incredible amount of experience over many years. I recommend them for disability insurance claims without reservation. 

Don (Florida)

I called this firm a few months ago completely disparaged due to a company cutting off disability benefits at a time that nearly caused me to lose everything.

Attorney Alex Palmera and Danielle worked hard to reach an amicable settlement and my case was settled a few months later. This is a good firm and the specific expertise in disability claims saved me countless hours of hassle at a time when an already fragile state existed.

Thank you Mr. Palamara and Danielle.

Sandra B. (Arkansas)

I have nothing but good things to say about how my buyout was handled with my disability claim. The level of professionalism was amazing. All of my questions and concerns were answered either by Danielle L. or Alex P. in such a timely manner and with such care I would recommend them in a heartbeat to anyone needing to approach their provider with buyout options.

They did a fantastic job communicating between the provider and me, always keeping my best interest at heart and always answering my many many questions. They really did take most of the stress out of this whole situation. I would give them a 10 out of 10 for every step of this crazy journey. Thank you so much for helping me through this.

Brenda R. (New York)

I needed assistance with an appeal for a LTD claim that was initially denied. Stephen understood what needed to happen to win the appeal and he did win the appeal for me.

Michael C. (Virginia)

Greg Dell and his assistant Anneli have been extremely responsive and helpful, not only our initial consultations, but in follow-ups 1 and 2 years later with the insurance company to ensure that they comply with their agreements (which they did), as well as a separate and only slightly-related inquiry about our health insurance. I always hear back from them very quickly, which is rare and greatly appreciated.

Jeff P. (Oklahoma)

After a very long and frustrating ordeal to keep my LTD payments coming I decided to seek assistance from and attorney. After much research and asking those in the legal profession Dell & Schaefer seemed to be the top choice. I reached out and Alex Palamara was the attorney assigned to my case. All I can say is the experience was outstanding. Both Alex and his Paralegal, Danielle Lauria were excellent to work with. They were very kind, concerned, understanding of my frustrations and treated me with the utmost respect. Communication was excellent with regular updates and telling me what I could expect in each stage of the process.

Alex was also very straight forward with what to expect and no pie in the sky promises or expectations were made. In the end we won our case and I believe it was solely due to their experience and knowledge of not only the laws but the insurance companies as a whole. I would highly recommend them and am very grateful for the help they afforded to me.

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