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Disability Insurance Attorney Cesar Gavidia
Cesar Gavidia (cesar@diattorney.com) is a Partner in the Disability Income Division of Dell & Schaefer. Throughout his career, Cesar has helped thousands of disability claimants to recover millions of dollars in short and long term disability benefits. Cesar focuses his legal practice in representing claimants at all stages of a claim for individual or group (ERISA) long-term disability benefits including applications, ERISA appeals, ERISA litigation, ERISA exempt disability claims and lump-sum policy buyouts. He has assisted disabled claimants in nearly every state in the country and in all occupations including teachers, surgeons, dentists, chiropractors, lawyers, judges, corporate executives, software engineers, and even disability insurance claim representatives. Cesar has litigated disability lawsuits against every major disability insurance company and has gained internal knowledge about their internal claims handling processes through extensive litigation. There are very few lawyers in the country that have as much disability insurance claim handling and litigation experience as Cesar.
Cesar's Recently Resolved Cases (48)
- Liberty Mutual Overturns Denial of Disability Benefits Following Submission of an ERISA Appeal
- Attorney Cesar Gavidia Successfully Reinstates CIGNA Benefits to a Senior Systems Engineer Suffering from Migraines
- Prudential Decides to Terminate Long-term Disability Claim of Disabled Chevy Chase Bank Manager That It Had Paid for 11 Years, But It Overturns Decision After Attorney Dell & Schaefer’s Appeal
- Prudential Denial Overturned on Appeal After Attorneys Dell & Schaefer Established that Medical Device Representative Could Not Perform Duties of Any Gainful Occupation
- Attorneys Dell & Schaefer File Lawsuit in Federal Court Against Aetna Life Insurance Company After it Denied Long-term Disability Benefits to Former Software Developer
- Reliance Standard Insurance Company Overturns Decision to Deny Long-term Disability Benefits to Pediatrician With Ovarian Cancer
- After Aetna denied Ms. Garner’s long-term disability claim, Ms. Garner filed suit against Aetna, and the Court overturned Aetna’s decision and ordered it to pay Ms. Garner’s disability benefits
- Standard Overturns Decision to Deny Disabled Project Manager Long-term Disability Insurance Benefits After First Appeal
- Disabled Vessel Captain for Marine Services Corporation Wins Long-term Disability Appeal With CIGNA
- United of Omaha Overturns Decision to Deny Benefits to Disabled Quality Assurance Manager After Appeal Discredits Its Medical Review and Vocational Assessment
- Prudential Overturns Denial of Disabled Welding Foreman Suffering From a Blood Disorder to Only Claim His Disability is Psychosomatic and Limited to 24 Months of Payments
- Attorneys Dell & Schaefer Appeal Team Lead by Attorney Cesar Gavidia Successfully Appeal CIGNA’s Denial of Benefits to Disabled Lockheed Martin Tech Manager With Traumatic Brain Injury
- Unum Overturns Original Decision to Deny Benefits to Disabled Account Manager Following Appeal Submitted by Dell & Schaefer Appeals Team
- Team lead by Attorney Cesar Gavidia Forces Prudential to Overturn Long-term Disability Denial on Appeal for IT Support Technician Diagnosed with Cancer
- Prudential Overturns Decision to Deny Long-term Disability Benefits to Former JP Morgan Chase Financial Advisor With Mandibular Cancer
- Attorney Cesar Gavidia and Appeal Team at Dell & Schaefer Win Appeal Battle Against Unum to Reinstate Long-Term Disability Insurance Benefits to Disabled Software Engineer
- Reliance Standard Reinstates Benefits for Former Employee of Parent Company, Delphi Financial, Following Successful Appeal
- 67 Year Old Circuits Designer Reaches Settlement With Prudential After Filing Suit to Recover LTD Benefits Under ERISA LTD Insurance Plan
- Prudential Overturns Denial of Benefits on Appeal After Denying Claim On Basis That Insured Failed To Show Medically Supported Restrictions and Limitations
- Prudential Insurance Company Settles Breach of Contract Lawsuit Arising From Allegations That It Terminated the Claim of CPA Disabled Under AICPA Long-term Disability Insurance Policy
- Hartford Overturns Denial of Long-term Disability Benefits For Disabled JP Morgan Chase Banker
- Attorney Cesar Gavidia successfully appeals Cigna claim denial after Cigna and its medical consultant deny claim alleging that restrictions were not medically supported by the medical records
- Reliance Standard Overturns Denial of Benefits on Appeal After Claiming It Failed to Receive Medical Records
- Liberty Mutual Twice Denies and Approves Long-term Disability Benefits to IT Systems Analyst with Rheumatoid Arthritis
- Prudential denies and settles long-term disability claim with CPA after CPA becomes totally disabled from chronic cervical neck pain and radiculopathy
- Surveillance Video and Independent Medical Examination (IME) Leads to Disability Insurer Terminating Disability Claim After Paying Partially Disabled Insurance Agents Claim For 21 Years
- Unum Settles Lawsuit with Florida Chiropractor After Initially Denying Long-term Disability Claim
- Disability Attorney Cesar Gavidia Wins Hartford Disability Appeal For Target Employee With Rheumatoid Arthritis and Chronic Neck Pain
- CIGNA Denies Long-term Disability Benefits to Customer Service Representative with Fibromyalgia
- Dell & Schaefer obtains settlement award for OB/GYN with Unum individual disability policy
- MetLife Long-Term Disability Denial Of Disabled Yamaha Motors Corporation Manager With Genetic Disorder Is Reversed Following ERISA Appeal
- Chiropractor Obtains Lump-Sum Disability Insurance Settlement Despite Wrong Date of Disability
- Unum disability appeal results in settlement of Unum long term disability claim
- $79,000 in long term disability insurance benefits is recovered for disabled teacher
- Disability carrier denies disability benefits to chiropractor after paying for 8 years, yet Attorneys Dell & Schaefer file lawsuit and obtain lump-sum buyout
- Podiatrist with median nerve injury files lawsuit and obtains lump-sum buyout of disability policy
- A general surgeon and his legal team at Dell & Schaefer win disability insurance jury trial against Unum
- Berkshire Life Insurance Company approves long-term disability benefits for a dentist suffering from lumbar disc disease
- Dentist with hand tremor files suit and receives confidential settlement for past due and future long-term disability benefits
- Federal Express (“FEDEX”) thought their disability insurance plan was governed by ERISA, but attorneys Dell & Schaefer and the US Southern District Court of Florida disagree
- Former government bond trader and 9-11 survivor receives more than one million dollars in long-term disability benefits
- Former options trader receives confidential long-term disability settlement 10 years after his original claim was denied
- Hartford and Unum approve long-term disability benefits for disabled radiologist
- Mass Mutual approves long-term disability benefits of $12,000 a month for a financial advisor suffering from musclar dystrohpy (FSHD)
- Podiatrist receives lump-sum buyout at pre-suit mediation with long-term disability insurer
- Unum Provident and Monarch Life Insurance Company pay total disability to dentist
- Teacher suffering from Sjorgen’s syndrome, fibromyalgia and other conditions receives lump-sum buyout following denial of long-term disability benefits
- Liberty Mutual reverses denial of short-term disability benefits and approves long-term disability benefits for advertising account manager
Cesar's Videos
Cesar's Articles (26)
- California Federal Court Overturns MetLife’s Denial of Disability Benefits
- California Federal Court Overturns MetLife’s Denial of Disability Benefits
- Court Finds Prudential Abused its Discretion in Denying LTD Benefits
- Court Denied American General’s Motion for Partial Summary Judgment
- Court Orders Principal Life to Pay Long-Term Disability Benefits to Plaintiff
- Court Rules Against Unum Holding Plaintiff’s Plan is Exempt from ERISA Coverage
- California Federal Court Orders Metropolitan Life Insurance Company to reinstate benefits to disabled analyst
- Aetna Life Insurance Company Ordered by Federal Court Reconsider the Claim of Amazon Employee Disabled Due to Urinary Incontinence
- Lockheed Martin Systems Integration Analyst Wins Long-term Disability Lawsuit against CIGNA
- New Jersey Federal Court Rules Against Aetna and in Favor of Systems Analyst Disabled by Degenerative Joint Disease of the Lumbar Spine
- Registered Nurse Disabled By Plantar Fascitis Wins Long-term Disability Lawsuit Against United of Omaha Life Insurance Company After Judge Finds Evidence of “Cherry Picking”
- Prudential Denial of Disability Benefits to Employee that Was Disabled While Working is Reversed
- Disability Insurance Companies Deny Claims Based on Non Compliance
- Federal ERISA Lawsuit Filed Against Prudential After It Denies Long-term Disability Benefits to Insured With Parkinson’s Disease
- Federal ERISA Lawsuit Filed Against CIGNA Following Its Decision to Terminate the Long-term Disability Claim of an Insured Suffering from Severe and Chronic Lower Back Pain
- California Federal Court Finds Coverage Provision in Aetna Long-term Disability Plan to Be Ambiguous
- Discretionary Clause in Boeing’s Long-term Disability Plan Found to Be Legal, Despite California Statute Banning Discretionary Clauses
- Mechanic Loses Claim For Benefits Against Reliance Standard After Employer Makes Oral Misrepresentations Concerning Disability Insurance Coverage
- Lawsuit Against IME Physician Alleging Fraudulent Misrepresentation By IME Physician Dismissed by US District Court
- Aetna Ordered to Produce Internal Statements of Policies, Procedures and Guideline Relative to Claimant’s Long-Term Disability Claim
- Beware of Unfavorable Language Limiting the Maximum Pay Period of Neuromuscular, Musculoskeletal or Soft tissue Disorder in MetLife Group Long-term Disability Policies
- What You Should Be Aware of When Purchasing a Lloyd’s of London Disability Insurance Policy
- Cigna disability video surveillance is common but hiding the results is not
- Cigna Exposes Disability Plan Administrator To $9,900 ERISA Penalty For Failure To Produce Plan Documents
- Federal Court Orders Unum to Release Documents Following Disability Insurance Denial
- General surgeon files lawsuit against Provident Life and UNUM for disability benefits award
Fun Facts About Cesar
We are not your typical law firm. We are always thinking outside of the box so that we can keep our clients a step ahead of the insurance companies. Customer service with our clients is an essential element as we want every case handled as if it was our own. Since the lawyer that you work with at our firm will need to know a lot about your life, we think it is important that you have the opportunity to learn more about the lawyer(s) working on your case. Here are some interesting and fun facts about Cesar Gavidia:
- Describe myself in three words: Ambitious, determined, gregarious.
- Best Thing To Do On Free Time: I enjoy boating, fishing and spending time with family and friends
- Hobbies: Boating, Snowboarding/Skiing, Wakeboarding
- Favorite Food: Ceviche or a good hamburger
- Favorite Place to Travel: I love traveling to Breckenridge and really anywhere in the Rockies. The landscape is breathtaking. I also love traveling to the Bahamas and Virgin Islands.
- Favorite TV Show: Game of Thrones and Dexter
- Favorite Book: Into Thin Air by Jon Krakauer
- Favorite Musician: Jimmy Buffett; Social Distortion; Bob Marley
- Favorite Quote: We are what we repeatedly do; excellence, then, is not an act but a habit. – Aristotle
- What do I like about my job: Often, when people contact us they have been sparring alone with the insurance company, they are beaten up, weathered and don’t know where else to turn. I enjoy the ability to then counsel these people, instill in them renewed confidence and provide them with that second wind that they need to recover what is rightfully theirs. To know that I have helped someone turn a situation which at some point looked grim, into something positive is the most rewarding aspect of my job.
Cesar’s interest in disability insurance law began in law school, which is where he was first introduced to the complex federal law, ERISA, which governs most claims arising from employer sponsored long-term disability insurance plans. Cesar began working as a law clerk with Attorneys Dell & Schaefer in 2003. Upon law school graduation Cesar joined the disability income division of our firm and has focused his entire legal career on obtaining disability insurance benefits for his clients.
Cesar earned his Bachelor’s Degree in Political Science from Florida State University and a law degree from St. Thomas University School of Law. Cesar is admitted in the State Bars of Florida and California as well as multiple federal district courts throughout the nation. Cesar represents claimants throughout the nation and has established a reputation for being an aggressive advocate for his clients.
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 *****
Susan (Virginia)
Dear Michal & Rachel,
Thank you so very much for everything you do help me and my family. I cannot express how much it means to me to know that you both look out and after all things legal, insurance and administrative for us. Your service and attention to detail has always been beyond my expectations – as a former VP in the Architecture and Construction Industry, thoroughness and follow-up are so important. In all the pain I suffer, knowing that you and your team are in my corner provides me immeasurable peace of mind.
My sincerest gratitude.
Speak With An Attorney Now
Request a free legal consultation: Call 800-682-8331 or Email Us
- We respond the same day.
- No fee / cost unless you get paid.
- No office visit necessary.
- We represent disability insurance claimants nationwide.
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