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Recent Client Reviews
Read what our clients say about us.
- Sally B. ·It was great... initial contact upon inquiry was fast... Stephen explained everything and took the time to answer all my questions. Both Danielle and Stephen followed up promptly and we so easy to...
- Lynn W. ·Cesar and his team were great to work with. They took the hassle out of applying for my disability claim which was awarded in full. They helped coordinate getting all the information they needed back...
- Diane S. ·Cesar was wonderful. I was given three different attorney firms by someone (I can't even remember the other ones) but he was the second call I made and stopped there. Both Cesar and his legal...
Recently Resolved Cases
We have helped thousands of disability insurance claimants.
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.
You should select a company below to view our law firm’s experience in battling every major disability insurance company.
Our lawyers can help you anywhere in the country and we always offer a free immediate phone consultation.
We do not charge attorney fees or costs unless we are able to recover benefits for you. Regular communication with our clients and enforcing timely payment of disability benefits is our priority.
Download our free ebook Whatever It Takes to learn more about disability insurance claims.
We Have Earned A National Reputation
Our law firm has a national reputation in the field of disability insurance law and we have received the highest level of recognition from the nation’s leading legal peer review services.
We are authors of a chapter on disability insurance law in a Westlaw Insurance Law Text Book and we are routinely invited as disability experts to lecture on the topic of disability insurance claims. We have appeared on numerous national radio shows, published numerous disability articles and often relied upon by national media outlets to provide commentary on disability insurance issues.
We are the creators of Disability Law TV and have produced over 175 disability insurance claim videos which can be viewed throughout our website and on YouTube.
We invite you to learn more about us and we look forward to the opportunity to assist you in navigating through the various issues that need to be considered when selecting a disability attorney to handle a claim for disability insurance benefits.
Our Services
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.
Why Do You Need A Disability Attorney?
Disability income policies are drafted with ambiguous and confusing contractual terms. This provides disability insurance companies with multiple reasons for delaying and denying disability income benefits.
Many years of handling complex disability insurance issues against every major disability insurance company has given us the unique knowledge, litigation skills and trial strategies necessary to help our clients obtain disability benefits and monetary damages for wrongful disability income claim denials.
Nationwide Representation
As a nationwide disability insurance law firm we have represented thousands of disability claimants throughout the country. We invite you to learn more about disability insurance claims in your state.
Two Disability Attorneys For Your Case
On every case we handle we believe in a team approach, which means that your case will be assigned to two long term disability attorneys and a paralegal. Long-term disability cases are challenging, and we believe it is important for your case to have input from multiple Dell & Schaefer disability lawyers.
Extensive Disability Law Resource
Throughout our website you will find an overwhelming amount of helpful information about disability insurance claims. On our Free Disability Information page you can review a detailed description of the extensive disability resources that we offer. We track every disability insurance company on a daily basis in order to keep up with their latest tactics and lawsuits around the country.
We have designed our site to be interactive so that disability claimants can either post comments about their disability insurance experience or ask general questions about disability insurance claims. Our disability lawyers respond on a daily basis to most comments.
The Frequently Asked Questions and Disabling Conditions sections of our site offer some of our most popular content.
Disability Insurance Videos
On a regular basis we film and add new videos related to long term disability insurance claims. Throughout our website you will find custom videos about our disability claim legal services, frequently asked questions, specific disability insurance companies, and disability company claims handling practices such as video surveillance, IME exams, and claimant interview request.
Disability Insurance Law TV is a video series dedicated to discussing all issues related to disability insurance claims.
Free Legal Consultation Request
We encourage you to contact us if you are considering applying for disability income benefits, have been denied total or partial disability benefits, or are interested in approaching your insurance carrier about a lump-sum buy-out of your disability income policy.
Ask, Comment or Learn
Read and / or post a public comment. Our attorneys respond daily.
Mar 19, 2019 Jessica, the STD should be paid as long as he met all other terms of the policy and there was no gap in coverage. If there is a gap in the disability and he was not an employee during that gap then...
Mar 19, 2019 My husband was out of work starting in October due to his anxiety and depression (Diagnosed bi polar in 2016 and his employer was aware) and needing his medication to be adjusted. He filled out the...
Mar 18, 2019 Dorothy, you should check your disability policy for any limitations that could apply to your claim. Some policies require that you live in the United States to continue to receive benefits. The...
Mar 18, 2019 I have been on disability for autoimmune conditions for 30 years and Prudential is the provider. I am considering g u.i g a small condo in Mexico and keeping a small condo here and traveling g...
Mar 17, 2019 JOE, with regard to your LTD claim, whether or not the volunteering will affect your claim will depend on a number of factors including that nature of the activities you will be performing, the...
Mar 17, 2019 I receive SSDI, as well as LTD from Prudential, an employer provider policy. I’ve been on LTD since 2014. I worked in Regulatory Compliance in Financial Technology on Wall Street. I wanted to look...
Mar 14, 2019 Miriam, you need to review your policy carefully under other income, but the carrier is usually permitted to take offsets for 3rd party settlements for lost wages. They can relate back to the date...
Mar 14, 2019 Thank you Rachel, so they will not take pain and suffering as long as my attorney separates loss wages from the pain and suffering. Also I am not approved for LTD yet. If my case auto-accident case...