$800,000 lump-sum disability settlement for attorney with depression

Our client enjoyed a long and successful career as a partner in his personal injury law firm. As a young attorney, our client bought a private disability insurance contract that protected his income in the event of his total or partial disability. The contract defined total disability as the inability to perform the important duties of his occupation and partial disability as the inability to perform one or more of the duties of his occupation, while suffering aloss of at least 20%.

As a partner in the law firm, our client took initial calls, negotiated settlements with insurance adjusters, and marketed his practice with a monthly radio show. Unfortunately, at the age of 55 years old, our client developed severe depression. After taking some time off, our client returned to work at his law office in a limited capacity. He took initial calls and continued to conduct his monthly radio show. However, he no longer negotiated settlements with insurance companies.

His disability insurance carrier began paying partial disability insurance benefits. As his firm remained successful, there were many months in which our client did not receive his monthly benefit as he did not suffer a loss of at least 20%. Moreover, as his insurance carrier determined that he was partially rather than totally disabled, his carrier informed him that his benefits would cease upon turning 65 years of age, rather than providing lifetime benefits for a total disability.

After reviewing his policy we determined that under his definition of disability, he should have received total disability benefits from the beginning of his claim. We began pre-litigation negotiations and the client was paid $800,000 plus an additional two months of total disability insurance benefits. The claim was handled by Attorney Steven Dell.

Questions About Hiring Us

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.

Dell & Schaefer Client Reviews   *****

Joseph R.

After collecting LTD from Prudential for about 16 months, I was cut off without warning. At the time of being cut-off, I was recovering from my 4th back surgery. I had numerous, bulging disks, nerves that were severely impinged, diskectomy from C2-C7, and active arthritis and degenerative disk disease throughout my spine. While being out of work, I also developed pulmonary fibrosis as well as COPD and have a difficult time breathing. I went through numerous sessions of physical therapy, Spinal Cortisone Injections, Trigger Point Injections, a Neurostimulator Implant, as well as a battery of strong narcotics to control the pain.

I was declared totally and permanently disabled by my neurosurgeon as well as being awarded Social Security Disability. There was no way I could work any job, let alone my previous job. After a brief talk with Alex Palamara, Dell & Schaefer offered to take my case. I was amazed at the level of personal and medical detail Alex knew about my case. Alex was able to assemble a solid appeal. I was turned down for LTD again! Alex fought even harder! After the second appeal, we were able to make Prudential “understand” my medical condition and how it affects my ability to perform work. I feel very comfortable knowing Alex and Dell & Schaefer are in my corner going forward!

***** 5 stars based on 202 reviews

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