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We are thankful for the opportunity to assist you. We appreciate your comments regarding your experience while working with our law firm.
Achieving our clients' goals is very important to us and we want to earn your five star review. Upon request we can connect you with numerous clients that are willing to discuss their exeprience of working with our firm.
I wanted to thank you for taking a chance on my husband’s case when no one else would. I knew it would be an uphill battle, but I’m pleased with the outcome. As I said, it’s like found money.
I really do appreciate everything that Mr. Alex Palamara and Vanessa did during this process.
In the last five years, I have been greatly helped in all aspects in obtaining and keeping benefits. I could not have been able to do this without the help of Alex Palamara, Vanessa, and the Dell & Schaefer Lam Firm.
I highly recommend Alex Palamara and Dell & Schaefer for help with your long term disability claim. Without their help, I could not have survived the complexity of obtaining LTD benefits. Alex Palamara’s prompt answers to difficult questions, knowledge, and experience made a great help also.
I have been very pleased with you service.
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.
Well run organization. They are very punctual and highly experienced.
The only difficulty I’ve had has been scanning large files. But, the issue is mine, not theirs.
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.
Very highly recommended.
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.
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.
Their knowledge and experience put me at ease. I felt I was in the best hands possible for this type of case.
It would be an improvement if the process was started a little earlier. My doctors, though well-intending, were not able to get back to the lawyers directly fast enough, and I needed to set up “paperwork appointments” with the doctors in order to get them to complete the necessary paperwork.
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.
Responsiveness and helpfulness, even on tangential but equally important issues.
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.
I would recommend Dell & Schaefer especially Alex Palamara whom I worked with because of integrity, knowledge and understanding what their client has been/going through. The service provided was outstanding and ethical. Regardless of how many cases they are handling when you’re talking with them they make you feel if yours is the only one and most important. Bottom line they are very great attorneys.
Honestly I think back and don’t think you should change a thing.
I originally spoke with 3 other long term disability lawyers about my case before contacting Dell and Schaefer. None of those law firms would take it. They said the chances of me winning was not good. After finding Dell and Schaefer online I spoke with one of the attorneys that has since left. He did take my case but later it was picked up by Rachel Alters. Rachel is amazing and a very intelligent attorney. She not only won my case but also was able to get my back pay for 6 months.
I also cannot say enough about Sonia Nogueira. Sonia was always quick to answer any of my questions. I would usually hear back from her within hours of sending her a email. I do not know where I would be if I hadn’t contacted them. My family and I cannot thank them enough. Don’t let an insurance company tell you they are not responsible for paying you. I paid them for 20 years monthly and they looked for any reason they could not to have to pay me when I needed my benefit. Thank you Rachel and Sonia for all you guys do.
I believe they are the top LTD lawyers in the nation.
Words can only scratch the surface regarding my experience working with Attorneys Dell & Schaefer. It’s a very emotional experience making the decision to utilize disability insurance. The unknowns were/are scary. From the very first phone call, the support staff was/are very professional and reassuring. I have been working with Attorney Steven Dell for approximately 10 years. He is confident, reassuring, listens to and addresses all my concern, and is extremely dilligent in understanding my specific policies for how they impact me. It is very reassuring that Steven handles and deals with the insurance company on my behalf. Attorney Dell’s team, and specifically Merlin, Attorney Dell’s assistant, is simply fantastic. Her professionalism and attention to detail have made all my communications with the office seamless.
Simply put, my experience with Dell & Schaefer made the emotional rollercoaster experience of my neck surgery seem like a walk in the park.
Thank You, Thank You, Thank You, to both Attorney Steven Dell and to Merlin for how you have helped me over these past 10 years.
Dilligence, Reassurance, Professionalism at every step, Confidence, Results.
With 10 years experience with working with Dell & Schaefer, taking that step to call Attorneys Dell & Schaefer was one of the best professional and personal decisions I have ever made.
You want to know what you can do – the below comment about posting your first name and last name initial on our website. Put up my full name, phone number, and email address. I will gladly speak to anyone about your office and tell them my story and how instrumental Steven and Merlin have been in my life over the past 10 years.
I have been extremely impressed with the Law Firm of Dell & Schaefer.
I submitted a form online and was contacted immediately by Mr. Jay Symonds. I explained my disability and the issues I was experiencing with my Long Term Disability Insurance and Mr. Symonds immediately confirmed why Dell & Schaefer was the perfect choice for me.
I explained my situation and what I had experienced with LTD and Mr. Symonds immediately shared with me what he could do for me and for the first time in months, I felt at ease with what I was going through.
Mr. Symonds immediately contacted the insurance company and was able to achieve in 1 day what I hadn’t been able to achieve in Months!
To say that Mr. Symonds was my guardian angel would be an understatement. His knowledge and expertise enabled me to focus on the treatment that I needed.
His staff was always very friendly and my questions were always answered in a timely manner. Throughout this journey, Mr. Symonds and his staff have become like family to me with their support and compassion. Mr. Symonds and Sonia Nogueira have shown empathy, respect and concern for my medical condition.
It was refreshing to see my team of legal experts take immediate action when the insurance company continued to try and bypass the process. I could not have found a better team to represent me and I will always be thankful for their knowledge and expertise.
I have nothing but tremendous respect for the office staff employed at the firm of Attorneys Dell & Schaefer. Sonia always ensured my calls and emails were returned in a timely manner and were always available to answer any questions I might have. When you receive an answer to your questions on a weekend, you know you have made the right choice!
My experience is as such. I suffer from a variety of mental health issues the biggest being severe PTSD. When I had lost all hope the Good Lord guided me to Attorneys Dell & Schaefer. My assigned lawyer, Stephen Jessup, was the most understanding and compassionate human being I had come across since my breakdown. He not only guided me legally, but his kind words and understanding helped me spiritually as well. His co-worker, Sonia, was a heaven-send as well. Her kind words and prompt responses were amazing. Both Stephen and Sonia will never understand how blessed I am that they came in to my life at my darkest hour. Their work ethic and rigorous efforts towards my case gave me not only a win but it gave me justice and at the end of the day that’s all I wanted. I went in to this case with legal counsel and I left this with great friends. I was always informed, spoken to with the utmost respect and sincere compassion.
Stephen and Sonia, y’all are my silver lining in humanity. I’m a better person today having met you both even if only by phone and email.
This is easy, I would refer Attorneys Dell & Schaefer for the sincere compassion, work ethic and rigorous commitment to my case.
Keep doing what y’all are doing.
Rachel Alters and her paralegal, Sonia R. Nogueira, made dealing with the insurance companies almost like a walk in the park! They kept me informed whenever the insurance companies needed something and we worked out the most efficient means of getting it done. What made working with Ms. Alters and Sonia a dream was their ability to make me feel that I was a SPECIAL client of theirs – and I am well aware that I was not.
But seriously, when working with Sonia when trying to get the correct Social Security disability award info to Lincoln she never once made it seem that it was a bothersome inconvenience to her. She was just great at all times and Ms. Alters, and Dell & Schaefer, should be very proud to have her on board.
My experience working with Jay and Sonia was the most wonderful gratifying experience I have ever had. I have never liked lawyer nor have I ever used one my opinion has changed deeply. I would never have received the benefits that I paid for that I deserve were it not for them. They were always cordial, friendly and always answered every question I had.
I owe them the security and comfort that I now enjoy at once again. I would recommend them to anyone for any disability claim in a heartbeat. Service was more than superb and I am truly grateful.
I always have doubts about lawyers, but Stephen Jessup from Dell & Schaefer, a confident lawyer, convinced me that he would work my case and that he has done. Make no mistake I was skeptical at first as I’ve been burned before with other lawyers, but his commitment to getting was best for his client is his priority.
His staff Michal Mizrahi provided excellent communication and kept me abreast of my case. I put my trust in him to make the best decision for me and I’ve told him that. This is the level of confidence I have in him.
If their attorneys are anything like Stephen Jessup then I would recommend them to anyone as they would fight to seek the best outcome for you as well as keep you well informed.
Keep working on getting more people to share their stories because in today’s world everyone researches and read the reviews.
From the beginning to the end… we were treated with dignity and respect. The Attorney and his paralegal were always courteous and professional. Their responses and consultations were always well thought out and they were always considerate and sensitive of our time and circumstances. I would recommend anyone who has had difficulty in obtaining unresolved issues, related to applications or processes, with Long-Term Disability claims to contact the staff of Dell & Schaefer.
We have been extremely pleased with the outcome and resolution of our case. Their efforts have been top notch and second to none. Thanks again for ALL your help and concern managing my case. Many Thanks and blessings to You and Yours!
Their professionalism and candid discussions eased my mind as we went through this process. Being sick and going through this with them has helped me through a very difficult time. Their actions and speech were very caring towards us. They were very helpful in walking us through what has been such a stressful time.
Keep up the excellent work!
Alex was very compassionate and professional in handling my case. Losing my disability caused extreme financial hardship and took a toll on my emotional health. Struggling with MS every day is a challenge, but Alex helped me greatly and was able to get my benefits reinstated as well as later he was able to get a lump sum settlement.
They are caring, compassionate and will fight to protect you. I always felt well supported and trusted Alex to fight hard to get my disability benefits. I wish I would have had an attorney like Alex from the very beginning of my disability claim. I was always harassed on a monthly basis from the insurance company with needing constant forms completed and also constant stupid questions like “what do you do in a typical day?” One time they even asked me if I walked my sister’s dog. The constant harassment took away from me being able to focus on my health. MS is a constant battle. If you have a chronic, incurable illness you need an attorney like Alex to fight to protect you. This way you can focus on getting better.
You did everything perfectly. I always trusted you, and I wish I would have hired you from the first day that I was diagnosed with MS.
Mr. Jessup was able to secure approval for my benefits beyond the 2 year mark. This is a critical time as the evidence must show that you can’t work any occupation. By engaging him before the two year mark we were able to avoid a lapse in claims or erisa appeal.
Mr. Jessup was very professional, kind, flexible, and ultimately got results. The assistant on our case was Michal and she was amazing throughout the case. Very professional, quick to respond to questions, organized, and proactive.
Ultimately because they got results and the attorney and assistant were good to work with.
Working with Jay Symonds restored our lives. The day we received the letter from our long term disability insurance Co. stating they were not going to cover my spouse was paralyzing. After much research searching for a legal firm to handle our case we decided on Dell and Schaefer. Mr. Symonds called me the day I contacted the firm. He explained the process in detail, timelines and what would be expected of us. Mr. Symonds works long hours as well as his staff.
My spouse suffered a life altering stroke of which he will need caregiving the rest of his life. This fact is stressful in and of itself. To add an extra burden the insurance company wanted to drop my spouse. Mr. Symonds made sure my spouses policy was reinstated. My statement is grossly understated on all levels. There is little space to go into the depth of detail. If you are on the site reading this testament then you are all too familiar with the what happens to your life when you or your spouses health suffers.
Lastly, I/we owe our deepest gratitude to Mr. Symonds and his team for helping us through this difficult time. It is emotional writing this but I want people to know there is help.
Fast, Professional, Respectful, Problem resolution, Restores your life to normalcy. Plus, if you are on hold they feed you helpful information. They stay current as to what is going on in government, insurance companies and cases.
Cannot even offer anything because it is a well oiled machine.
My experience with Alex & Michal was life changing! They are amazing they got my benefits returned within 8 months! They are very understanding and SUPER patient dealing with me was worth a gold medal! I owe so much.
Working with Alex and Michal is like reaching the light at the end of a dark tunnel. Their knowledge and professional job got my benefits returned to me quickly. I feel I was so blessed to have made the call. Thank you!
If you are here reading reviews, you are looking for help. They are here for us. I promise! Please call them! I recommend Attorneys Dell & Schaefer! At that point in my life I felt worthless and lost. Alex and Michal were compassionate and understanding professionals. The best choice I made my whole life!
I was referred to your firm by my attorney that I am working with in Utah that is working my SSI case. I was impressed at the outset with my conversation with Jay. He explained the process, the potential timeframe and your firms fee. Jay explained that he used to work for the other side of the equation and that gave me greater confidence in a positive outcome. I felt there was no way I could win an appeal without help.
Jay and Sonia have been patient with my questions, especially when they were repetitive. At no point in time did I think the we would not be successful. Jay and Sonia have shown the epitome of professionalism. I am grateful that I was referred to your firm!
Absolutely, without hesitation!
Mr Jessup explained and answered all questions and concerns I had. His communication and follow thru is outstanding. He has guided me through this process, and am so thankful for his leadership. I can’t leave out Ms. Sonia, which has been excellent in assisting me with all communications. Thanks again Steve, for all your expertise.
I would definitely recommend this firm for it’s professionalism and outstanding reputation.
Keep doing what you do! In my opinion, Dell & Schaefer is the best.
I was recommended to Dell & Schaefer via another attorney. I was not sure of what the process would require of me at the time. I was hesitant to follow through because of my disruption in communicating skills and the frustration of dealing with the insurance company on my own. Ms. Alters and Sonia Nogueira are so very understanding and companionate though working diligently to resolve my issue.
I felt as if they had my best interest at heart. I appreciated the continual communication and explaining of the process and where it could possibly go. I would highly recommend this firm, Ms. Alters and her team to anyone who feels they have done all they could do, because as I found there was a lot more that this talented firm accomplished.
I would recommend Dell & Schaefer – Ms. Alters and Sonia to anyone needed to find a resolution to their situation. I found them to be companionate and fair.
I appreciated your process, in my situation I have and had difficulties remembering and processing information. They both were very patient and understanding. The email follow ups were greatly appreciated. I had the opportunity to really review what had been discussed.
Due to my vision and health issues testimonials are not typical of me. Dell & Schaefer however did such a sensational, and professional job we felt it absolutely necessary to share the experience.
I had been thinking of pursuing a lump settlement on long term disability with the insurance company for some time. Decided on Dell & Schaefer after much research on several firms across the country. Residing in the Midwest did cause some reservations about choosing a firm around 1500 miles away. However shortly after choosing Dell & Schaefer my concerns where quickly put to rest by how proficient the team is, and how they are always there with you. Never waited for a response and always felt like we knew exactly what was going on every step of the way.
I got the pleasure of working with Mr. Stephen Jessup Esquire, along with Sonia R. Nogueira, and team on my case. After contemplating my situation Steve was contacted to let him know it would be about three months before moving forward. I mention this because no pressure was ever felt to pursue or take a settlement and the firm awaited me to contact them again. No annoying emails, calls, letters, or any type of pressure to hire them. When questions arose the team was right there for me through the entire process and only a phone call or email away. Never had to wait for a response before or after retention. Mr. Jessup at one point during my case was out of country and still offered guidance when needed, almost immediately after emailing. Sonia also went above and beyond and took my call around six P.M. on a Friday to help me with some document questions. Simply an incredible level of service that seems rare anymore. I always felt truly comfortable!
Mr Jessup and everyone with the firm seemed to have a very good rapport with the insurance company. I mention this because within about two weeks of retention we had the first offer. Within less than four weeks we had reached a settlement agreement, and funds where in my account about two hassle free weeks later. This all transpired even with delays of the insurance rep taking vacation twice. Overall my settlement expectations where far exceeded. During the original consultation Mr. Jessup mentioned a monetary figure that was lower than the actual final settlement. There where no false promises or over inflated estimates as sometimes found elsewhere. Just an upfront honest answer of what could be to come. During the process I still received my monthly benefit and never had to deal with the insurance company directly. This in itself took so much stress out of my life. After three years I no longer had to continually jump through hoops when the insurance company requested something or worry that I might undeservedly lose benefits.
The above is just a small part of my experience on how I felt the professional and courteous team was always willing to go the extra mile. If you or someone you might be concerned about are in need of guidance my opinion is a better choice could not be made than contacting the team at Dell & Schaefer about options.
Because of the work done by those at Dell & Schaefer I now have the funds to live while attempting medical procedures that insurance will not cover. Hopefully because of this someday I can return to a career as I’m still almost twenty years from retirement age.
Thank you all at the firm again for returning some normalcy to my life and treating me like a person not a case!
Ethics! They made the entire process more pleasant and simpler than I could have ever dreamed. Dell & Schaefer helped in ways that I couldn’t have imagined, and cared about what was best for me not just the $$$. Truly a professional, educated, intelligent team of people to have on your side.
The only thought I have would be to teach your level of service and professionalism to those outside the firm. Perhaps helping others with room for improvement in the world. However can’t think of anyway to improve such an already great team.
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 work with. Both are very personable and got results!
Great service and settled my claim quickly.
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 and forth between my doctors and employer and insurance company. Always available via email or phone.
Easy to work with, reliable communication, very effective at their job.
Nothing. Experience has been great. Whole claim took a while to get approved but that was due to insurance company delays, not from Dell & Schaefer.
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 assistant were so kind and helpful. Any time he called me for information or with a status of my case he was so sensitive to my needs/issues. He was honest and up front and very fair.
Cesar fought for my settlement and ended up getting me more than I had even asked for. He is 1st class. I hope I never need his services again, but if I do I sure won’t hesitate to call him personally. He gives attorneys a good name.
In a heartbeat.
I can’t find a thing I would change.
My experience has been a delight. I filled out the consultation form and was contacted immediately. Cesar and Michal were not only professional, but personable. They kept me informed throughout the process, and was available to address any questions or concerns I had. This team worked together and got my benefits re-approved in a short period of time. They have handled everything effortlessly and efficient.
Might I add during the time I first started working with them a hurricane hit where their office was located. They never skipped a beat and did not push me aside. They continued to stay in contact and work my case, now that’s commitment! Even after my benefits were re-approved, they continue to provide excellent service and are there for me whenever I need.
I recommend this firm because they truly care about their clients. They take pride in helping individuals fight these big insurance companies. The peace of mind I’ve received is priceless. I trust they are doing everything they can for my benefit. This firm not only has the skills to win your case, but also provides a high level of personal service. I’ve always felt valued as a person, and not just another case. Basically, if you want to get benefits, keep benefits, be treated with dignity, kindness, and respect, hire this firm! I cannot thank this firm enough for making my life better.
When the letter arrived from the insurance company that they would no longer be making payments to my disabled spouse our world came to a stop. This is a devastating moment. Rather shocking since we had complied with all the requirements. Shortly, thereafter I started researching to find the best legal firm to represent my spouse. After reading the numerous ads for legal firms I came across Dell & Schaefer. Read the material, listened to the you tube and read the booklet. The process was fast once I place the call.
Attorney Jay Symonds returned my call. He was amazing and talked me through the process. He went through the details as to what would be needed several times. He has patience which is needed when dealing with people under stress. Mr. Symonds was open to different types of communication and at odd times of the week and day. He was understanding of my time as a full time caregiver. Through the process Mr. Symonds and his staff stayed in contact with me. End Result: My spouses insurance was reinstated. We are very grateful to Jay Symonds and his team.
Here are the reasons I would highly recommend this firm: Experience, professional, respectful, and most of all: providing a service that is exponentially needed in this current environment where insurance companies are gaining momentum. Dell & Schaefer provides balance in our society. Lastly, the staff needs to be mentioned. They are nothing short of professional consistency. (these days this is very hard to achieve)
This may seem like sarcastic comment, but I assure you it is not. I would only recommend that a policy is passed that whenever an entity purchases an insurance policy to provide as disability income that a Dell & Schaefer packet/information be attached. Again, balance.
Dell & Schaefer did such a marvelous job in handling my Lump Sum Longterm Disability claim, that I have to take my hat off, and give them a standing ovation! Cesar and his assistant Michal were not only very professional, but they handled my case in a very expedient way. Both Cesar and Michal were prompt in returning my calls and answering my questions, which is rare for an attorney. Not only did they obtain the lump sum amount that was promised to me by the insurance company, but they increased the amount by a few thousand dollars.
As a man of God, I want to thank God for using Dell & Schaefer to resolve my case, but also for the integrity in which they showed. Thanks to the entire Dell & Schaefer legal team, and may God bless you to have a long and prosperous legal business!
Because they not only work fast, but they uphold the promises they make.
Rachel and team were professional, knowledgeable and competent in helping me with my disability insurance claim denial. I would not have been able to do this work myself successfully. I had an illness best known as Chronic Lyme (I have more issues than that but that’s what I understood my diagnosis to be at the time of claim denial). This is a complex illness that is plagued with faulty testing, delayed diagnosis, inconsistent prognosis/ treatment outcomes, and vague (deniable) symptoms.
Advances in the disease’s treatment have stalled for decades due to financial & reputational conflicts of interest that exist across the healthcare/ insurance / government industries. It is a major thing to go against, and a very complex & constantly evolving issue, and Rachel was very familiar with all the chronic Lyme ‘inside baseball.’ Not many people want to get involved with anything Chronic Lyme-related if they have a choice. Finding an attorney that has expertise in this area is a rare find, and I can attest to the fact that Rachel meets this hard-to-find criteria and delivered results well beyond what I could have achieved without her.
I would recommend Attorneys Dell & Schaefer (Rachel specifically, though I also communicated with Greg and others at their office and everyone was courteous, professional, and competent). They have an effective and efficient process down pat. Disability insurance claim denial is a very stressful thing for anyone to encounter, let alone while you are sick and scared for your future and trying to focus on getting better. Believe me, a sick individual is no match for a big insurance company that has decided to deny your claim. They are professionals in what they do. You need to hire someone who is professional at challenging them. Rachel is a pro!
I wanted more “hand holding” in the beginning (ie more proactive communication / expectations management), and wanted to see draft of my appeal letter earlier than I did. But to be fair they were always promptly responsive and attentive and met every deadline and delivered results, and some of my worry in this area was because I was terrified and sick and stressed and this was of major importance in my life, not because the communication was inadequate. Still, this is how I imagine most clients in this situation would feel, so this is feedback worth considering.
Alex is a true hard working, smart attorney who sets realistic goals and pursues them. His perseverance is remarkable and that is what you need when working with Unum type LTD companies. They try to offer you peanuts while you are out of work for 4-5 years. I am glad that we found Alex to represent us and once again sincere thanks to Alex and his team to resolve this finally so I can move on to my next phase of my life in healing process.
Hard working and dedicated.
Nothing I can think of.
Wonderful in every way. Great communication with me and with the carrier. Walked me through a very difficult time in my life. Received full benefits under the disability contract thanks to Cesar and his firm.
Yes, in a heartbeat.
Not a thing.
If it weren’t for Attorney Rachel Alters, I would have probably been living on the streets, living in a cardboard box, or maybe not even be here today. I was denied numerous times by my own Short Term and Long Term Insurance Company that I had paid years of premiums to. I figured that since it was my Insurance Company that I wouldn’t have any problems with submitting a claim and getting it approved. Was I wrong… Then the claims adjusters started playing head games with me each time I contact them or mailed them any additional information. Nothing seemed to matter. Eventually I would always get a rejection/denial letter in the mail. I was so irritated and frustrated as I also had to deal with my illness and go without any income for almost 2 years.
I even researched and contacted numerous local lawyers. They would either state that they wouldn’t take the case, take the case and either do nothing with the file or at a later date contact me to inform that they didn’t practice in that particular area. This included all the Attorneys and Firms that you see advertising on the television, including the Large Law Firms. Theses firms actually didn’t have the expertise nor the experience in the area of Traumatic Brain Injury, as it was a fairly new unknown area. This was prior to the publicizing of Traumatic Brain Injuries regarding NFL Football Players committing suicide (retired or ex-football players) as well as Professional Boxers. Now all of the sudden those same Attorneys and Large Law Firms are advertising for cases with Traumatic Brain Injuries and Insurance Disability Claims like they dealt with them in the past, which is definitely not the case.
I was stuck between a rock and a hard place. So I went researching on the internet and found Dell & Schaefer and watched their videos and so on. I contacted their company and was given an appointment with Attorney, Rachel Alters. She went to bat for me. Fought the Giant (Insurance Company) and won, whereas all these other Attorneys and Large Firms wouldn’t even touch my case. Attorney, Rachel Alters was even willing the take the case to court. She went to battle against a Large Insurance Company and won without going to court!
The office staff was always professional as was Rachel. Attorney, Rachel Alters, was always accessible for any questions or concerns that I had, personable, confident, kept me updated regarding my case, and would always return telephone calls as well. I highly recommend her to anyone who needs help with their Short Term and/or Long Term Disability Insurance claim, as the Insurance Company is in business to reject claims and not to approve them, and unfortunately I found that out on my own.
I appreciate how they stayed on top of the situation and kept me up to date on the progress of my case. Both he and Sonia were very nice and helpful.
They seemed to truly care and listened to all of my concerns.
I can’t think of anything.
I found that during the time my claim was being processed, my attorney (Ms. Alters) and her assistant (Ms. Arriaga) were both very professional, quick to respond, and did not seem pressed for time in a way that let me feel that I was important to them. They were both very straightforward in expressing their thoughts and suggestions as well as helping me understand anything I did not understand. They took the time necessary to explain anything that was confusing to me. I felt as if I knew them personally and appreciated their help very much.
The professionalism, experience, and knowledge are high-level. Those qualities are very important to build my confidence in their representation as well as the outcome of my case.
When we started this journey in January 2016 with the first Total Knee Replacement, which landed us with Long Term Disability and not returning to a work force at the age of 55. We knew we needed to find an attorney that would represent our needs. Started researching Attorney’s online and discovered one that showed no desire to actually help our case.
So, through more research and reading reviews we discovered Dell & Schaefer Law Firm. The reviews posted, were concisely what we experienced with Gregory Dell. From the very first email Greg was expeditious in his communication with us, Greg even personally called us in the evening, while on vacation I believe. It is a difficult journey going through SSDI and Long Term Disability Insurance claims with CIGNA and ADVANTAGE 2000, Gregory helped us navigate the entire way while showing empathy for our specific needs. Greg truly embraced the customer service aspect of letting us know we are important to him. Greg and his team supported our slow speed to a decision that would be right for us. We always had clear direction and guidance. Greg and his Team showed great tenacity in achieving the best possible outcome for us.
We highly recommend this professional, personable TEAM of ethical attorneys to support you in your needs as well. Thank you Gregory Dell & Team.
Dear Rachel Alters and team, I would like to thank you and your team for all of your help in the appeal for my disability claim with Liberty Mutual. I would not have gotten my long term disability restarted without you. I am so grateful for everything that you have done.
Rachel Alters will be highly recommended. From the first time I had a conversation with Rachel, I felt confident that she would support me. I really appreciate all of your hard work and time you put in my case and continue to support me. Thank you so much.
Rachel Alters was very thorough and professional with me from the first time I talk to her. She and her team communicated with me frequently. They took time to explain what was going on so that I could understand. Emails were answered in a timely manner sometimes almost immediately.
I cannot think of anything at this time.
The level of professionalism and treatment I was given was excellent, and a breath of fresh air after dealing with the the long term disability company my self for a year. I was kept up to date on my case throughout the process. I am satisfied with my outcome and would highly recommend the firm.
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.
I have had such a great experience working with both Rachel and her Paralegal Vanessa. They answered any question I had very quickly. They walked me through every step of appealing my long term disability case. It was a very long process and I was glad to have them there to help me. My denial decision was reversed and they are still answering all my questions. I am so thankful for Rachel and Vanessa because I know I couldn’t have done this without them.
I would recommend Attorneys Dell & Schaefer because the attorneys and paralegals are very good at getting all of the information received from doctors and putting together a case which would be very hard for them not to win.
I had a very good experience so I don’t see anything for improvement.
It was a pleasure working with attorneys that return your calls in a timely manner. Alex Palamara was great. He listened to me and heard what I was saying. Either he or Danielle Lauria kept me in the loop at all times. I would definitely use Dell and Schaefer again and ABSOLUTELY recommend their services to anyone who needs excellent competent attorneys.
Mr. Symonds was very instrumental in helping me get justice for my insurance company who failed to pay me rightfully for my claim when I got sick and could not work anymore.
Very grateful for his time and work to seek what is right against big insurance companies that take people like myself for advantage.
Without attorneys like Dell & Schaefer insurance companies would completely not be fair or right to those who need the most when they cannot no longer work or suffered with life long circumstances that keep them from enjoying a regular good lifestyle.
I am writing to highly recommend Greg Dell & The Law Offices of Dell & Schaefer as disability attorneys. Greg has handled my permanent disability case for over ten years. Along the way, disputes with the insurance Co. were quickly handled by Greg where, in each instance, we always prevailed. Regardless of the pressure to discontinue benefits, Greg assured my uninterrupted flow of benefit checks.
Years ago I had met an attorney from The Law Offices of Dell & Schaefer at a dental meeting and the message (& Biz card) I took away that day became extremely valuable when, much later, I suffered a career-ending injury and had to file for permanent disability benefits.
Even before filing a disability claim, the insured person needs the protection, advice, and power of a good disability attorney. There are potential hidden traps throughout & especially early the claim process. Disability insurance Co.’s look to circumvent their duty to pay. They don’t just write the checks! Dealing with my claim, I often felt my Insurance Co. was taking advantage of me.
To successfully claim & receive continuing benefits, it was clear early on that I needed legal representation. I called Dell & Schaefer, spoke with Greg Dell, and immediately understood that this attorney knew exactly what I was going through & that he had the experience and power to represent me, to stand up to the insurance Co., & to assure my uninterrupted benefits. As soon as Greg took over my case, all correspondence from the insurance Co. went straight to him for his handling. No longer were those insurance Co. letters being delivered to where I live, where they would result in distraction & uncertainties in my home.
It’s been a great relief to my family & me to have Greg Dell and the staff at the Law Offices of Dell & Schaefer, on the job, responding, on my behalf, to the insurance Co.’s relentless pressure to reduce or discontinue my benefits. Greg Dell deserves and receives my highest possible recommendation as a disability attorney.
My experience with Dell & Schaefer has been entirely positive. I presented Mr. Pena, Ms. Arriaga, and Ms. Rodriguez with a meritorious appeal and virtually no time to present it. In less than 3 weeks, they identified the critical points to present for my appeal, collected the supporting documentation, and crafted a compelling and convincing argument in presenting my appeal.
I was of virtually no help to Mr. Peña and his staff. I forgot tasks, large and small. assigned to me to carry out. They worked around my obstructive assistance to compile a compelling argument and supportive documentation to present to my disability insurer.
As an attorney, my initial instinct was to attempt to micromanage the conduct of my appeal. Mr. Pena and his staff quickly demonstrated such extensive knowledge and experience in dealing with private disability insurance that the control freak in me recognized I should stand back and let them do what they do so very well.
Because they are knowledgeable, personable, experienced, effective and efficient.
I can’t imagine a single thing.
I am a 62-year-old woman that got injured on the job and was unable to work. I had long term insurance that was paid by my job. In September 2017, I request a buyout from The Hartford insurance company. After receiving no word from The Hartford insurance company, for 10 months, I made the decision, to seek legal action.
My experience with Dell & Schaefer, particularly Attorney Rachel Alters and her staff was brilliant. I was very fortunate to get Attorney Rachel Alters to represent me on my case. From the time of my first conservation with Attorney Rachel Alters, I knew she had my best interest at heart, I felt confident that my case would be an open and shut case.
All my questions are always answered, I never felt confused in the process, and phone calls are always returned the same day if possible or the next. My e-mails were always answered in a timely matter.
Words cannot express how grateful I am for Attorney Rachel Alters, and her staff assisting me in the short amount of time that was given for the success in my case. Attorney Rachel Alters worked so diligently hard in my disability buyout case to bring a settlement as quickly as possible. In addition, Attorney Rachel Alters, is very detailed oriented, and follows through if there are delays.
Thank you for everything that you’ve done to help and support me. I am so grateful to Rachel Alters and her staff. They are awesome!
I would recommend Attorneys Dell & Schaefer, because they are very professional and knowledgeable in what they do. If it was not for them I don’t think that I would have won my case. They are Attorneys you can trust on. Top Notch Attorneys!
No improvements recommended.
I would like to thank you and your firm for the fantastic job that you did on my disability denial case. From the moment that I first contacted you up to the moment that I received my notice of you winning my appeal your service was beyond exceptional. My case was not an easy one, because I had waited to file an appeal which caused a very limited time frame for your firm to act. Even though your back was up against the wall you never made me feel rushed to deliver paperwork and you always kept me in the loop of how far we were along in the process. Whenever I sent an email I received an instant response. Whenever I called, someone was always available to answer my questions.
After winning my case I sent in my direct deposit info and two days later my first disability check was in my checking account. Everyone that had a hand in my case was a true professional. I cannot stress enough how service like this in today’s world is just not heard of anymore.
They really care for you as a person. You are not just a number at this firm.
Absolutely nothing at this time.
From the very first call From Rachel I knew that I was in good hands. She was very informative and up front about all of the aspects of my case. I felt very confident about being represented by Rachel and that she would do all she could to help. She is a great attorney.
I would recommend the firm because of the professional way I was treated and the outcome of my case thus far.
Nothing at this point.
I’ve worked with the legal profession at large for over 30 years. I’ve found the elements of an “A-Team” to include not only legal knowledge and prowess, but also traits such as strategic planning, response time, structured information exchange, interpersonal relation skills and personal compassion.
I can say without reservation that I have had a wonderful experience with Mr. Symonds and his capable team at Dell and Schaefer. I’ve found the advice to be accurate and completely timely. The support staff, particularly Vanessa Arriaga, is also above par as to her prompt and professional service.
Navigating the complexities of the claims process can be intimidating, daunting and outright frightful to say the least. Not only can the materials requested become voluminous, but the entire process can leave a person feeling overwhelmed and somewhat alone… Mr. Symonds, Ms. Arriaga and others in this “A-Team” have alleviated much of the stress and burden of this process due to their compassion, intellect, professionalism and prompt response time… and most importantly; I’m not alone!
The super-specialization of this group practicing within the complex niche of disability law coupled with their track record along with the traits I’ve mentioned above.
I seriously cannot come up with any improvement.
I was at a dead end with my disability claim. Cigna, after paying for a while discontinued it. I tried another lawyer, it was again denied. I was about to give up, unable to continue my Field Engineering job with medical problems and two special need children at home, not knowing what to do next.
A Friend recommended Dell & Schaefer and I called them. They responded quickly and went in to action. Five months later my disability claim was approved and one less thing to worry about in my life.
They are straight forward, there are no surprises as far as their fees and they communicate with you, explain everything to you along the way.
They know their business, they understand what you are going thru and they are results oriented.
I am happy with everything they have done and the way it was done.
Rachel Alters is incredibly knowledgeable about disability law. She was extremely helpful with applying for benefits, is very detailed oriented, and follows through if there are delays. Whenever I have had a question, Rachel is very prompt with returning calls, and answering emails. I recommend her very highly, and am happy that she has represented me throughout this process.
I had a very good experience working with Rachel Alters.
No improvements recommended.
I couldn’t be happier with my experience. Jay is a true professional and knows how to handle complex disability claims. The service and attention to detail provided by my team allowed me to feel confident that we would successfully appeal my claim. And we did, gaining a reversal of my denial on second appeal. Ongoing claim management is also critical and Sonia has been excellent.
Professionalism and teamwork. Outstanding service.
Keep doing what you’re doing.
I can’t find the right words to describe how grateful I am for the wonderful job you have to get my long term disability claims approved. I did file claims on my own at first but both got denied. It was heartbroken because I did pay monthly premiums for ten years.
When I got sick and not able to work, the insurance company said that I don’t qualify for any benefits. Atty. Alex and his angels were heaven-sent to me. Thank you for taking both of my cases. I was at my very last breath and just don’t know what else to do and had no where else to turn to until I got hold of you, wonderful people. You are definitely a blessing and a breath of much needed fresh air. I may not be the most profitable client of yours but I would like to tell you that I am one of your most grateful client. Thank you so much for helping me get what I deserved from the greedy insurance companies. Without you, I wouldn’t think the insurance companies won’t pay me anything. They will keep finding ways to deny my claims. Again, thank you for a job well done.
They know how to get your claims approved.
There’s nothing to improve. Just continue what you’re doing to help people like me get their benefits approved.
The process has been exactly how I had hoped it would be. Disability is a scary, unfriendly process, even for those of us who have worked in the claims administration area. It seems to be designed to deny benefits with complicated rules, burdensome documentation requirements, and constant requests for information to the beneficiary and my doctors. As a patient/beneficiary, you can feel like you are all alone and that you spend too much time jumping through hoops for the disability provider.
After a few months of doing it myself, I realized I wanted an advocate who could advocate for me with the provider and answer all of my questions on the Erisa process and rules. I interviewed one attorney in Maryland who was actually adversarial with me (his future client) so it was an awesome breath of fresh air when I interviewed Stephen Jessup. He was polite, extremely knowledgeable, upbeat, and calm! He helped me to understand the process and where I stood in it.
He and Vanessa communicate and keep me apprised of events within my case and make recommendations on actions I should take to proactively help my case win approval (e.g., Functional Capacity Evaluation). They are truly my safety net and well worth every penny because they help manage the disability provider and my doctors as well as ensuring I am on track in the process. I don’t think I would have survived this without them.
For sure! Same reasons.
I just wanted to send you a formal Thank You for your time and support.
I hope you received my email that I have been assigned a new case manager. Since I haven’t received a denial letter, I’m assuming I’m back on the yearly audit schedule. If anything changes in the status of my claim, I will contact you to handle my case. Thank you again for the time you gave me. Very Much Appreciated!
I had been on long term disability for over 10 years, with Aetna disability company. I had 3 heart surgeries in that time and some other pretty serious medical issues. I was very ill, during that time, seeing my physicians regularly and in and out of the hospital. It was very stressful keeping up with the vast amounts of paperwork, physicians attending statements, and communicating full time with the disability company.
One time, right before my open heart surgery, they stopped paying my claim for 4 months, for absolutely no reason. I did get that straightened out, eventually, but we were almost homeless, in the process. I decided to consider a buy out, on my disability claim and I wanted to use a large, reputable attorney’s firm, to handle this negotiation and contract. I called and talked to an attorney named Rachel Alters, who worked for Attorneys Dell & Schaefer. They had a very large attorneys practice and I was very comfortable using them.
She was very professional, but also really compassionate, about everything I had been through. I felt like she would really be someone I could trust. It turned out the gentleman she ended up talking to, from Aetna, was someone she knew from dealing with them in the past. This made everything go so much easier, I think, but either way, Rachel is wonderful! I would recommend her very highly, to anyone. She has my five star recommendation!
They are a large attorney firm and they work with people that have erisa disability policies, so they know the ends and outs of these types of plans. They also are very prompt in getting right back with you when you contact them, I really appreciate that!
I can’t think of anything, I am very satisfied!
Cesar and Michal helped me through my case against Prudential. That only touches the surface. I suffered a bad injury which made me a challenge as I often didn’t recall what was said and to whom.
Cesar took the leap of faith to help me but he didn’t treat me like a client but more as if I was part of your family. I don’t know how you were able to get transform the team to have such a great attitude but by far I must say I am treated well from the moment I called, retained your firm it helped me through the minute I faced IME’s. Cesar demonstrates empathy and cares for his clients. I know that I made the right decision to select your firm and am fortunate that firms such as yours are around to help go up against big companies.
I truly am happy to send you a note to advise of my complete satisfaction.
The first and most important matter you have at hand is to take care of your health and let your retained lawyers handle the information needed to not only be approved for long term disability but also to make sure that your claim is managed for the duration of your disability. The disability is a matter that may last a lifetime.
A thorough online yelp review was held prior to conversations with Cesar Gavidia Esq. and Michal Mizrahi from the firm of Dell & Schaefer. I decided to retain them to handle my disability claim. The law-firm has an elaborate web page that demonstrates their ability to go up against all the largest insurance with a stellar track record.
The ERISA law is complex and if you decide to battle the insurance company without representation the odds will be stacked against you. An insurance company has one goal alone and that is to generate profits. The representation of Cesar Gavidia Esq. and Michal Mizrahi were responsible for the successful appeal and approval of my case.
An insurance company typically will deny or delay the claim as the penalty for denial or delay is non-existent. In my case, I was prepared with retained council Cesar Gavidia Esq and Michal Mizrahi who prepared and submitted the ERISA appeal. The document was complete and included information to demonstrate that I was disabled and overturned a previous denial from Prudential.
I’m not only happy to say that I picked the right firm but that I have developed a trusting relationship with combination of Cesar Gavidia Esq. and Michal Mizrahi from the firm of Dell & Schaefer.
Cesar Gavidia Esq. or Michal Mizrahi will pick up calls and take the time to explain what is being done by the insurance company or return the call in a timely basis if they were busy. This was after I had signed to be represented.
I never met Cesar Gavidia Esq. or Michal Mizrahi in person but I consider them my friends versus just attorneys that have been hired.
Rachel was recommended to me by a lawyer friend. I am also an attorney. So, needless to say… probably not the easiest of clients… with tougher than normal expectations. Rachel did a really great job. She listened to what I wanted and delivered what I asked for, in record time.
I am so grateful to Rachel Alters and her staff for helping me with my uncle’s claim! She was amazing. This was a very difficult case, because my uncle was mentally disabled. He had failed to immediately make a claim, because he was too disabled to even do the simplest of tasks. As soon as I found out about my uncle’s disability policy, I called several attorneys. They were hesitant to work with my uncle, because of the extensive work involved with backdating his claim. I then called Dell & Schaefer and it was one of the best decisions that I have ever made. They patched me through to Rachel Alters and the rest is history.
She worked diligently to backdate my uncle’s claim and to secure his rights to future disability payments. We still have a long road ahead of us with regards to my uncle’s disability, but I am so grateful to her for securing his right to disability payments. We will be able to use this money to make sure that he gets the health care that he needs.
Disability insurance is a complex business. As an attorney myself, I can tell you that when it comes to disability insurance, you really need somebody in your corner to make sure that your rights are protected. There is nobody that I would rather have in my corner than Rachel Alters.
Alex and Sonia his paralegal are excellent. They represent Dell & Schaefer as a professional firm. I would recommend them to anyone. Very prompted and courteous. Thanks Again!
A professional firm. They do what they promise. No fooling around and excuses.
Nothing at this time.
Words cannot express the gratitude I have for Rachel and her team. I felt like she listened, gave me her advice, and supported my decisions. The process was seamless and I did not feel that I was being bombarded with “task” as her team handled as aspects of my case. I am very pleased with the honest feedback and communication through the process. I would definitely recommend Rachel and her team at Dell & Schaefer law firm.
Quality customer service, transparency, and action-oriented.
I was in a difficult situation dealing with a disability claim. Once I spoke with Stephen Jessup, that ball started rolling and progress was made. He and his assistant Sonia made a point to stay in contact and made it very simple for me to keep them aware of my status as time passed.
I have a lot of legal experience and Stephen and Sonia treated me with respect, and talked honest and openly with me throughout the conclusion of my claim.
I would strongly recommend using Stephen Jessup to anyone who needs help. It would have been very difficult to have fought for my rights alone.
Caring, thorough, avoid the legalese, and get results.
I have no suggestions and certainly no complaints.
My experience with Dell & Schaefer, the attorney handling my case, Alexander Palamara, and his is paralegal, Sonia, was very positive. They kept me informed, obtain my records for me when needed and truly did work for my best interest. They also had a good sense of humor. Alex was able to reach a goal I had set for him in settling my case. The process is slow but not because of the law firm, that is just the way things are everywhere in adversarial proceedings.
Overall, I’m very happy and glad I chose Dell & Schaefer to handle my legal issues.
You are not just a file sitting in a filing cabinet. You’re a real person to them, they mean business and take care of business.
There is nothing that I could specifically point to.
My Dell & Schaefer experience spanned over 7 years and it was in one word “Relief”. A fantastic relief. Why relief? Because dealing with my disability insurance company was nightmarish and D&S instantly relieved me of all the worry. From the very first conversation I had with Greg Dell, on a Sunday I believe, thru his help, he and his most competent team including Alex Palamara, Danielle Lauria, and Anneli De-Cardenas removed the proverbial 800 pound gorilla off my shoulders. Greg and Alex spent an initial, and draining 3 hours listening in while an insurance rep grilled me on an in-home interview. This was after they had filmed me on two separate previous occasions. They even followed me thru Walmart, cameras on! Yes folks, they will try to catch you doing anything outside the limits of your disability. They don’t want to pay you!
My Dell & Schaefer attorneys told me from the start, be honest when you talk to the insurance company people on that interview. I did and from that interview on, D&S handled everything regarding my policy. I was able to sleep at night knowing I had expert representation. Everything from my disability company went through Dell & Schaefer. This was a huge burden, relieved!
I recommend D&S because I know there are legitimately disabled people, like me, who haven’t a clue on how to deal with an insurance company looking for ways NOT to pay. D&S represent. They know this business. They provide expert counsel. They not only act as attorneys, but they also empathize with their clients. They’re accessible. They’re very reasonable in their fees. Trust me, they were worth every penny. I recommend D&S, so that others can feel relaxed and know that D&S has their backs and will go to battle for them when necessary.
Stay the same. You guys were wonderful, very approachable, true friends.
It was an excellent experience working with Stephen Jessup, Esq. and Vanessa Arriaga, paralegal, on my appeal claim! They are a great team and did an amazing job to obtain a positive result for my case. They were focused, knowledgable and efficient – and, they took the burden of dealing with the insurance carrier off of my shoulders. I am grateful to have the opportunity to thank them for their expertise and guidance during a difficult time.
As an attorney myself, I would (and will) highly recommend Stephen Jessup and the Dell & Schaefer firm to anyone seeking legal advice on a disability matter. Stephen and Vanessa were responsive and professional. They kept me updated on all matters affecting the case. Stephen clearly explained the nuances of the disability appeal process, and his expertise and guidance helped me make educated client decisions. I am thrilled and grateful for the result that they obtained.
Just continue doing a great job – your excellent and informative website is truly a valuable asset for clients and potential clients.
Very professional and personable. Kept me informed of my case and reassuring. Both Mr. Jessup and Ms. Lauria are wonderful people. It was a pleasure interacting with Attorneys Dell & Schaefer.
It was an excellent experience working with Stephen Jessup, Esq. and Vanessa Arriaga, paralegal, on my appeal claim! They are a great team and did an amazing job to obtain a positive result for my case. They were focused, knowledgeable and efficient – and, they took the burden of dealing with the insurance carrier off of my shoulders. I am grateful to have the opportunity to thank them for their expertise and guidance during a difficult time.
As an attorney myself, I would (and will) highly recommend Stephen Jessup and the Dell & Schaefer firm to anyone seeking legal advice on a disability matter. Stephen and Vanessa were responsive and professional. They kept me updated on all matters affecting the case. Stephen clearly explained the nuances of the disability appeal process, and his expertise and guidance helped me make educated client decisions. I am thrilled and grateful for the result that they obtained.
Just continue doing a great job – your excellent and informative website is truly a valuable asset for clients and potential clients.
I am very pleased with the job done by Dell & Schaefer. From start to finish the team that worked with me was very thorough, professional and communicated with me frequently. They really took the time to understand my situation and came up with an effective strategy to win my appeal. I would not hesitate to recommend Dell & Schaefer to anyone needing this type of legal support.
Before I called Dell & Schaefer I called several law firms in my area and to my disappointment, I was unable to find a local attorney who I felt could really help me settle my long-term disability claim. I was at the end of my rope and I did not want to deal with my insurance carrier anymore because of the tactics they used throughout the years after I became sick. I was just about to give up until I discovered a Dell & Schaefer video on YouTube. I was amazed at the information presented because I felt as if they were speaking directly to me. As a result, I contacted the law firm and was able to speak to an attorney the same day.
I would like to take this opportunity to thank Mr. Stephen Jessup for your professionalism and prompt way of handling my case. It is very hard to find a law firm that will educate clients on all of the logistics that lead up to the final settlement offer. I will recommend your services to anyone who has legal insurance needs in the future. I’m still in shock about my settlement. Your services have far exceeded my expectations in every way. Again, thank you for all you have done for me.
I would also like to thank Ms. Sonia R. Nogueira for your constant reassurance and for always making me feel like I could call you any time and as many times as necessary with questions. Thank you for your kindness.
I would recommend Dell & Schaefer because the attorneys are extremely knowledgeable and professional. When you call their office, they won’t lead you down the dark road of the unknown… what they will do is tell you exactly what they can do for you.
I can’t think of one thing that needs to be improved. It took about three months to settle my case and I thought it would be at least six. You guys are really awesome!
From day one, my dealings with both Jay Symonds and Sonia Nogueira were extremely professional. This claim was very important to me and I always felt that it was as important to your firm. Every question or concern was answered quickly. Most importantly, my claim was approved and I’m sure working with Jay and Sonia helped make that happen.
Professionalism and effectiveness.
I can’t really think of anything at this time.
ABSOLUTELY THE BEST!
After practicing over 27 yrs., suddenly I was now unable to practice any more. Having Atty. Steven Dell and his awesome team represent me was the best decision I made having to deal with my disability claim. Their knowledge, expertise and professionalism gave me the peace of mind and confidence to get me through one of the most difficult times of my life. When you really need someone to have your back, knowing that you have the best that there is, makes all the difference in the world.
No matter what, they always made me feel like I was the most important client they had. In life, you always want to have the best there is. Attorneys Dell & Schaefer are the best you can get.
First and foremost, I believe in letting others know about truthful and relevant experiences.
I was represented by Mr. Jay Symonds, Attorney. My team consisted of Mr. Symonds and Ms. Sonia Nogueira, Paralegal. I can say that these two are hands down a team to reckon with and I am eternally blessed they were assigned to my case. They both understand Client Customer Service, are compassionate, and being responsive to the client’s needs. Mr. Jay Symonds was well versed in matters as he has worked on both sides, defending and representing, when dealing with disability matters. Lastly and very important, Mr. Jay Symonds absolutely pays attention to details on your case.
I have had dealt with several Attorneys in my various matters and I believe and thru their ACTIONS of DOING, Mr. Symonds and Ms. Nogueira are the epitomai of what an Attorney and Paralegal team should represent. I never had to inquire about the status of my case, they always were on top of matters. They were both forthcoming, relevant, honest, and realistic in the facts, and what could be ultimately be achieved in my case.
What is most important, and unless you have experienced the bad and ugly in legal matters, you will not appreciate this firms work and work ethics. No one should have ever had to deal with matters like I have PRIOR to myself retaining this firm, however, life is not perfect.
All my dealings were via mail, phone calls, and emails and this made it very easy to communicate. This team was very well organized and proactive! This is absolutely KEY in handling ANY case!
It is about what can realistically be accomplished and achieved and resolution and not promises or false hopes in what could come of your case. I will say that what you as a client puts into your case is also very critical and relevant. Always be forthcoming, honest, and keep your Attorney team updated. It is a TEAM effort by all parties involved and my personal experience with this Mr. Jay Symonds and this firm was pleasant and successful.
Thank You both for all your efforts and determination to see my case to a successful resolution.
Effective, Honest, Relevant, Realistic, ProActive, and Organized to say a Few! I pray and hope you post my comments as I have been extremely pleased and this is unfortunately NOT my first dealing with law firms but it is the absolute BEST experience I have had.
All I know to say is that I am sorry, I did not know of your firm the beginning of my case. Too often we think of national firms being false and not what they say they are and that is absolutely not the situation with this Firm. I feel blessed I was referred to you and that was the BEST move my previous Attorney did as all other matters his firm has handled have been an absolute disaster.
To all patients especially Lyme Disease patients (the #1 epidemic in the U.S. and worldwide pandemic) I truly understand your frustration and indecision in making your first phone call because everyone has let you down and you feel like your whole world is a struggle to stay alive. Your trust has been eroded due to ignorant medical professionals (I was one of them-RN), military (Gulf war syndrome-mycoplasma), NIH, DOD, and let’s not forget the CDC… your family or friends also may not have a clue and you can be certain most work places/H.R. they don’t want to hear what you are going through… well Make that Phone Call to and get connected with Rachel Alters who has intimate knowledge of others suffering medically.
She knows your legal rights and you as her client is her priority… She is a determined lady of the law and will get things done you can count on that. The kindness of Rachel and Kathleen, her assistant is comforting when understandably all you can envision is the worst outcome in any situation. Depend on your legal team (Rachel & al.) help you in the most important way: lowering your stress to better your health and the good Lord knows you need in this heartless country ($$$$) to pay for the health services you receive. Last word, may God bless you Rachel, Kathleen, and all the people at Dell & Schaefer for being there at my worst period in my life with neuroborrialis, which continues to compromise my life.
For One… to stop those pesky abusive phone calls that are filled with leading questions to set you up to say the thing that limits your real condition. Send in the Calvary – Rachel Alters… In my case I had a nurse that I looked up on her state board and Facebook – for goodness sake she didn’t have many years of experience and her health was not her priority because I saw a photo of her in a bar, overweight and drinking beer… yea, that’s the kind of nurse I want evaluating my case or taking care of me for that matter. (sarcasm)
You will be amazed when you get the copies of reports submitted to the court how though Rachel is. The attorneys concentrate on Disability claims and have each other if they have any experience in a certain company, matter, and for a supportive team.
Just keep making those wonderful teaching videos on your homepage and youtube. These help tremendously for the legally naive. They also show your personalities, but I am sure behind the scenes the office has it’s own pulse and humor.
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.
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 & 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 Palamara 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. Palamara 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.
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. Palamara sent out were extremely well done. I can’t think of a single reason that anyone could want another lawyer.
I have no suggestions, I can’t think of any improvements that can be made.
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!
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!
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?
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 received 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.
Yes, I would definitely recommend Attorneys Dell & Schaefer, especially Mr. Palamara.
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.
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.
Responsive, knowledgeable and understanding. Steve has great people/client skills. Excellent industry knowledge. I would not hesitate to refer people to Dell & Schaefer.
If you think the insurance company is going to be FAIR, you are WRONG! Get an attorney, I recommend Dell & Schaefer. 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 health system 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 in case 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 then 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 realised 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 & 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 & 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 too 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 & 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 naive. Do yourself a favour, 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 you are denied. You will never get your benefit you paid into. Hire Dell & Schaefer.
At this time I can’t think of anything.
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.
The law firm are go-getters and take care of you as if you were family.
To be honest I personally can’t think of anything for the firm to improve. Continue providing great service.
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 & 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.
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.
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.
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.
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.
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.
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.
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 & Schaefer when my LTD was denied.
I contact Dell & Schaefer 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!
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.
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.
Not much! My outcome was very positive.
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.
Very competent and professional.
I really cannot think of any improvements. It has been a very good experience.
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.
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.
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.
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.
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.
There is nothing I can think of.
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!
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!
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!
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.
Very friendly, professional. Answers email and phone calls in a timely manner. Understands the insurance system which denies us.
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.
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.
I honestly can’t think of anything you can do to improve.
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 Dell & Schaefer to assist with an appeal, and they have been very effective in securing full benefits. Among other things, they understood the nature of my physical limitations in my profession, and were 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.
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 & Schaefer sooner.
Disability companies are not your friend and when they play their 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 their attention to detail and the concern for the client.
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.
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.
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!!!!
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.
I cannot think of anything. I was impressed from my initial contact with Alex, through my initial correspondence with Randa, and that feeling continues.
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.
I would recommend Rachel Alters to anyone who needed an attorney.
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.
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.
I really didn’t find any deficiencies; fees/costs, accessibility, effectiveness, total customer satisfaction were all met at a high level.
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.
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.
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!
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.
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.
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.
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.
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.
From the moment I called and spoke with Rachel Alters, I knew I was in the right place. I had called many attorneys prior to calling Dell & Schaefer and got turned down because my case was too difficult to win. Rachel Alters took the time to explain the whole process to me and promised that she’d do her best to win my case. Along to way, she was extremely patient, knowledgeable, and always took the time to answers my questions, putting me at ease. In the end, we won my disability case and I was more than happy with the settlement results. I HIGHLY recommend Rachel Alters to anyone with a short term/long term disability case. The amount of professionalism and care you will receive will make the process that much more smoother. Thank you, Rachel! :)
The best part about the experience working with Dell & Schaefer was that my attorney was upfront, honest, and transparent. He did not try to be a salesman and make promises about a case outcome. He was extremely direct about the way that things work and what he thought he was able to do for me. I valued this, because it is extremely rare to receive cut and dried information like this.
They could not have made this experience any easier for me. After I completed all the paperwork on my end, they were able to handle the case professionally and proficiently with very little effort on my part.
I had no real issues to note.
I want to take a minute and tell you… as well as ‘The Greg Dell’ team: “Thanks for all your assistance” during the past 4+ years. I will never forget that late night… in 2012 – sitting alone in my chiropractic office… anxiously wondering “how in the heck am I going to get through all this”! I emailed you late and you called me back on a Friday night. That call literally changed my life… not only my life… but the lives of the members of my family. You told me that you thought I had a good claim and that you would manage every part of the process from start through finish.
I am now ‘through-it’… and it’s hard to imagine… but I’ve had absolutely no issues with my insurance carrier… a carrier with a horrible reputation of harassing clients on policy. And Greg… I honestly attribute this to you folks. Y’all made our lives easier and less stressful.
From the very beginning my lawyer Rachel Alters and her staff have been nothing but professional. They were on top of things and advocated for my case from the very start. They always kept me informed at every step of the way and made sure that I was an integral part of the entire process. I would highly recommend using their services.
Professionalism. Expedient work. Knowledgeable staff.
Extremely satisfied. I’m a physician/surgeon who got rheumatoid arthritis when I least expected. Attorney Dell and everybody else in his firm made the claim, transition and final successful resolution, quickly, expertly, painless and very cost effective. Mr. Dell exceeded my expectations by a long margin and I am forever grateful for his services.
My experience with Dell & Schaefer was beyond my expectations and during a very stressful time. Stephen F. Jessup was eager to help us when we first contact the office about 5 years ago. He was stellar with this follow up, extremely knowledgeable in the Cigna arena, and had some great out of the box ideas. What I appreciated the most about Stephan and Dell & Schaefer was how they stuck with us the entire time we were fighting the Cigna machine. There was times I was ready to give up but Stephan encouraged us to keep going.
We ended up settling a few days ago and it was well beyond our wildest dreams! To top it off, we were about 4,000 miles away from Stephen as we lived in Hawaii when we started working with Stephen and even though our time zone was 6 hours a part he was able to stay connected and represent us from afar.
Without a doubt, YES!
Advertise more so more people can use your service, you guys rock!
I am so glad I signed with Alex and the team at Dell & Schaefer. Lupus hit me like a brick wall, completely disrupting my life. The physical changes and ailments, treatments and pain were scary enough. I could not have dealt with the insurance company alone. Alex and his paralegal Danielle helped me through everything. They explained every step of the paperwork to me and even encouraged me while I was in the hospital. Best of all, they got the insurance company to settle while I focused on my health.
I have already recommended Alex to several friends in the Lupus support groups I belong to.
After my insurance company arbitrarily decided to close my disability benefits I contacted several firms to handle my case. I was impressed with Attorney Rachel Alters who took my call personally. She was direct, knowledgeable and compassionate at the same time. Her firm was responsive and I felt I had (finally) someone on my side.
Insurance companies are there to make money and ERISA laws are in place to protect them. The little guy like me would have no chance to win on my own. Rachel’s extensive experience and personal knowledge of the opposing parties got the job done while taking the emotional burden away from me. At the end of the day, she got the job done. It took a year and a half but that’s really because of the system in place.
One always hopes for a higher payout and lower fees, but in the real world that just doesn’t happen. Rachel went to bat for me and I am grateful she did the best she could.
Mr. Jessup is efficient at his skills but that is not what made my experience wonderful. When you are ill, and been arguing with everyone to get a crap of what you deserve because you have worked hard all your life, paid your taxes, and paid your insurance premiums… yet no one cares. No one cares that they are increasing your symptoms by not paying you the money that you are entitled to.
Mr. Jessup was unbelievably kind and empathetic to my situation. His congenial personality, truly, was the key to hiring him. I felt like even though he had other clients in similar circumstances, he still cared what was happening to me and my family. I felt he cared enough to trust him completely.
I would recommend Stephen Jessup, because of his ability to empathize, to make you feel like he really is concerned about you and what your family is going through.
I have recommended him to other people… I am curious to know what all kind of cases does he handle. I have one friend and maybe more that will need him soon.
I have practiced medicine for over 25 years and understand caring, professionalism, giving 100% for your clients and always being available. Gregory Dell has exemplified all these attributes for me as his client. I retained Mr. Dell 6 years ago and he has achieved the most outstanding results for me. In my case there were several times when critical decisions needed to be made and I can say that I always put myself in his hands and came out on the positive side. I feel this was the result of his great knowledge of the law, keen instincts and common sense decisions. His team of attorneys are excellent as well and his paralegals and entire office staff have always been there for me, truly making me feel like family. I have great regard for Attorney Gregory Dell and give him the highest of recommendations.
This is a very professional office with attentive personnel. I was informed of my case progress every step of the way. I experienced a positive end result in relatively short time. I’m glad I chose this law firm to handle my disability case.
I am totally satisfied with this firm.
Rachel is a total superwoman in my book! She was so easy to work with and made an intimidating process feel pain free. She is friendly, approachable and made time to answer all our questions. I felt like she was on my side and fought for me when no one else would. Highly recommend!
I found Dell & Schaefer when I googled lawyers that handled long term disability claims with Prudential. I sent an email on their site and by the next morning I received a phone call from them. They were very professional and friendly, easy to talk to. They inquired of my situation. Prudential LTD decided to cancel benefits after two years of which I learned is quite common. I was disabled after a car accident started collecting SSDI six months after my accident. My doctors said I was disabled, ssdi doctors declared me disabled but Prudential without ever seeing me said I was able to work. They sent me a list of jobs that they felt I could do. Not one company name just a list of five jobs. They paid me disabilty for two years without question. Then bam cut you off!
Dell & Schaefer said they could help. They explained the process of appeal and if I were denied through appeal it would go to court under Erisa. I started the process June 2015 with Dell & Schaefer. The staff answered all my emails and phone calls within minutes of asking. Amazing communication! It is now January 2017 and my case just settled. I agreed to one settlement and a few days later they set me paperwork and surprise it was more than I agreed upon.
I am truly grateful that I found such a wonderful firm. Trust and patience paid off. They care about you and your outcome. This is truly an outstanding firm to work with!
I recommend Attorneys Dell & Schaefer because they care about you. They are fast and easy to answer all your questions and I never once had any problems contacting them. Emails and phone calls promptly answered. They know how to deal with LTD companies.
I don’t have one complaint. Outstanding service!
GREGORY DELL IS THE BEST IN THE BUSINESS!
I was referred to Greg by a very well-respected attorney where I lived at the time, and he described Greg as not only one of the top attorneys in his field, but the BEST in the COUNTRY at what he does! After having interviewed other attorneys for my case that I did not quite feel right about, I contacted Greg and it was a very refreshing encounter, to say the least! He was very compassionate in regards to my health situation, and had had experience with other clients in the past who had been in the same industry as I had… and whom he had also very successfully represented. He was strong, confident and extremely intelligent.
His knowledge of the law was unsurpassed, and he had impressive Insight and expertise in dealing with insurance companies. Greg has successfully represented me now for over six years, and I honestly could not have handled the stress involved with working directly with the insurance company – in my fragile condition – without him! He and his highly-professional Staff have taken over my claim so that I can be worry-free and focus totally on my health and wellbeing. Greg is a master at what he does and I have the utmost respect for him. I have entrusted my whole livelihood in his and his capable Staff’s hands, and I feel totally confident in their ability to represent me in the best possible way, as well as to protect my very best interests. Most importantly, Greg has given me peace of mind at a very difficult time in my life. And, he has done it with kindness, compassion and honesty. His positive attitude and wonderful personality also make it a joy to work with Greg. He has been the ultimate blessing in my life since this unfortunate illness, and I sincerely feel so grateful to have found him!
I am extremely happy that I decided to sign on with Dell & Schaefer. Mr. Symonds is the most honest attorney that I have ever dealt with. He explained the appeal process to me exactly as it turned out. He also knew exactly when to send in the appeal for Short Term Disability so that the Long Term Disability was approved within days of the STD approval. I feel very confident that he will have my back for the years to come. He and his assistant Sonia are always polite and quick to get back to me whenever I have questions.
I would highly recommend Dell & Schaefer because of their knowledge of disability law from both the view of the insurance company as well as the claimant.
I just want to take a moment to tell you of the very positive experience I have had with Gregory Dell and his handling of my disability case. I am very pleased with the performance, support, professionalism and determination of Mr Dell every step of the way. Throughout my case he has always been very quick to respond, made himself available during times that mist would consider after hours and was always patient in explaining the status and developments in my case. Every step of the way my case has been handled in an excellent way and I could not have asked fore more. I highly recommend Gregory Dell.
Dell & Schaefer has made my life much more restful in so many ways. They retrieved the appropriate paperwork from Medical Facilities and made all of the calls and faxes as to allow me to just rest. I know what it is like going through a rough time medically and need to handle all of the legalities that come with it. You can certainly count on this Law Firm, I am speaking from a standpoint from completely healthy to absolutely so sick I could not work at all. It can be devastating especially to people who have always been healthy, lived a great lifestyle and worked a fabulous position with a great company. Simply put things can happen that are frustratingly out of your control and when you need help then don’t hesitate to hire this law firm, they helped me greatly and they can help you too!
I would recommend Dell & Schaefer strongly and the main reason is the client service, the hard working staff of the Attorney and those that work together on a case like mine and communicate how the process works to me every step of the way!
I could not possibly recommend a better way to improve Dell & Schaefer as their diligent and client oriented which is not always the case thank you D&S!
Simply The Best. I chose Dell & Schaefer after watching several videos that Greg had made and I also checked his reviews. I contacted him through his website and within 1 hour Greg called me on a Sunday afternoon. We discussed my medical issues and how they were rapidly damaging my abilities to continue my dental practice of 32 years. He told me that he would handle my case himself. I asked for names of dentists that he had represented. I spoke to 3 and they all said hire Greg ASAP. I had 3 specialists who recommended that I stop practicing but I had a tough time dealing with losing my practice of 32 years. I was dealing with depression and anxieties due to my reduction in hours along with knowing that my disability insurance company had a bad reputation of denying legitimate claims. Greg had a way of calming me down and he told me he had dealt with my company hundreds of times. He was not at all intimidated. He said that he was going to help me and was confident that we would win. Greg guided me through the entire process and it was completed in the time frame he said it would be. He and Vanessa returned all my calls and emails rapidly.
I would think of questions on weekends or late at night and he would always return my emails and calls. Once everything was into the insurance company they had an inexperienced claim consultant on my case that was challenging my disabling conditions. Greg fired off a letter giving them 5 days to make a decision. They moved my case up the ladder to a “lead” consultant and within 2 days we had the approval letter. He was also able to collect a period of partial disability, my business overhead expense policy, get me deemed totally disabled get my three insurance premiums refunded to me. We also received all past due benefits for the maximum monthly payment for the past 8 months since I stopped working. Greg continues to handle my claim and thankfully he will always be on my claim until my policy expires.
My family will be thankful to Greg, his assistant Vanessa and their entire team forever.
I was referred to Dell & Schaefer, and specifically attorney Stephen Jessup, by a local lawyer in my home state of Vermont. I was advised that Dell & Schaefer would be better suited to handle my appeal for LTD with Unum insurance company. I was a little hesitant about using an out of state law firm, but I am certainly glad that I did. There was less than 60 days left for me to appeal Unum’s original denial but Steve and his aide Vanessa got to work right away on it. I was given a detailed list of items to accomplish, things I and even my doctors had not thought of.
I believe that Steve and Vanessa worked hard and fast to set up appointments for me and to amass an appeal that Unum ultimately could not deny. One very nice caveat of having Steve and Vanessa working for me was I no longer had to have any more frustrating, time consuming and energy draining dealings with Unum myself. They handled everything. I used to be upset for days after speaking to a Unum rep. As far as the not local aspect of a law firm, my worries were unfounded. I was kept up to date immediately via email and telephone and I never had the feeling that I was being ignored or that my questions were going unanswered. As busy as I’m sure my team was, in many ways I felt like I was their most important client by how good the communication was. They understood that this very long process weighed heavily on me and were optimistic and diligent on my behalf when I no longer could be.
I believe they have a superior knowledge of the inner workings and mind set of the insurance companies that the average person simply just could not possess. I think they probably have an appeal down to a science and the insurance companies realize that if they have taken your case, it’s probably a good case. That is a tremendous advantage when dealing with insurances that unfortunately hold all the cards. Having Dell & Schaefer working for you means that the insurance company now knows they aren’t dealing anymore with just a tired and unwell claim holder who hasn’t been given an even playing field to begin with. The insurance company has essentially been put on notice that they now have a powerful adversary working on your behalf who understands all the rules of the game.
I worked extremely hard on Wall Street for over twenty years – spending almost seventeen years at one of the biggest and most reputable firms – where in the 360 annual reviews I was consistently within the top five percent of performers. I suffered an injury while at work and had to undergo spine surgery and take medical leave to recuperate which lasted almost six months. However, that surgery didn’t do what we all expected and as time went by I got worse. The pain was too much, I was hardly able to walk, work, commute, sleep or anything. I had to be constantly drugged, having involuntary leg spasms at night that are extremely painful. Three top US Doctors agreed the only way to help me was for me to undergo an anterior and posterior spine fusion. This meant a very long and risky surgery and we didn’t know how long I would be unable to work. At that moment – I was laid off from my job.
After the 2nd surgery and until today, I continued to suffer from lots of pain, lack of mobility, depression, anxiety, inability to care for myself or my family, the painful leg spams continued and I realized my life had changed for the worse. I applied for disability insurance from my LTD carrier – this is the insurance I had been paying out of pocket for about sixteen years just in case I ever needed it. Despite all the Doctor’s reports, all the pain and suffering, the disability, medication and symptoms I have, the fact that my family has to do many things for me including help me bathe and dress and despite the fact that I’m going to need a third surgery pretty soon, the LTD carrier denied my claim. I contacted the law firm of Dell & Schaefer after conducting some research on great law firms in the US.
My experience with Disability Insurance Attorneys Dell & Schaefer has been outstanding. From our initial conversation, I knew I was speaking with a sensitive attorney who was fully engaged in our conversation, my case, and extremely frustrating situation. My attorney listened to me very patiently and once I finished he started asking me questions regarding my case. He took my case as he understood from all the medical reports and everything I had gone through for years that this is a strong case. Needless to say within a month of submitting his appeal – the LTD carrier approved my claim. I have had past experience with a couple of law firms before – nothing compares to the knowledge, empathy and top-notch work that Dell & Schaefer has done for me. I would highly recommend Dell & Schaefer to anyone who’s denied LTD.
During a very difficult time fighting to receive compensation for an injury I found some comfort in the reassurance that I was not fighting alone. Alex and Michal kept me up to date with what was going on and what steps were next to move forward. During the mediation process Alex navigated this situation strategically at the same time reassuring me that we would leave with some success.
I would recommend them because during this difficult time they treated me with respect and dignity.
Extremely professional, knowledgeable, immediately responsive to all my calls and emails, always left comforted that my case is being given all that can be done to accomplish the best results after talking/emailing with Rachel Alters (my attorney) and her team. It has been the best decision I have ever made when I needed the best to help me at such a vulnerable time in my life of having to deal with being so ill and then the realization of the loss of my career that I loved so much, that I had given my all to, and was so successful at.
I can’t thank Dell & Schaefer (Rachel Alters & Team) enough for giving their all for me (my case).
Amazing… Professional, immediately responsive to emails & calls, always left with “Peace of mind”. From the very first phone call about my case I was left with peace of mind and that results have continued for several years to be an amazing experience.
I would recommend Dell & Schaefer to everyone that is in a situation of needing help with a disability case.
Nothing. In the midst of their office having to evacuate and also having their personal lives to deal with the destruction of hurricane Irma… They were still working on my case & a few days after the hurricane had left such destruction… I was called by Rachel Alters to once again give me the best news on my case.
They are my super blessings.
I was a high earning medical professional who had a sudden practice ending injury in 2012 and I was fortunate to be recommended to Mr. Greg Dell for legal representation. From the time of our first meeting Mr. Dell and his staff have made my transition from practice very manageable with their handling of my claim. I would recommend Dell & Schaefer to anyone faced with the uncertainty of having to file a disability claim because in trying times a competent knowledgeable legal professional law office is invaluable.
Mr. Dell and his legal assistants and staff are expert in their field of disability claim handling removing the stress and burden at a time when we can be most vulnerable. Easy to communicate with, informed in every step in the claim process and always responsive to questions and concerns hiring Mr. Dell has been the silver lining in a very traumatic chapter in my life. Since my injury and as my claim has progressed I have spoken to others who are disabled and I feel blessed to have made the right choice in my legal representation.
I was so fortunate to have Ms. Alters and her staff represent me. I can’t say enough about the compassion that everyone, even the staff not involved in my case, have for their clients. I felt so much love and it was like I became part of a big family.
Ms. Alters definitely is very thorough and is very well prepared to represent her clients. I really can’t say enough about this firms integrity, compassion and perseverance. I would highly recommend Ms. Alters to everyone needing help with a disability case.
After dealing with my LTD carrier for 8+ years, I’ve come to realize that the reason I’m still receiving benefits is due to the work of Greg Dell and the whole team at Dell & Schaefer. Greg knows the industry inside and out and has always offered timely and dependable advice.
They are so professional & thoughtful, from the very first contact to the last. They took the time to explain every detail so we always knew what was happening and what to expect next. I firmly believe we would not have won my appeal without their expertise. They were so prompt & courteous when handling our case, I couldn’t have found anyone better to handle my disability appeal. We were elated when we won our case, thanks to them!
They are the BEST for handling appeals to disability insurance claims. They knew Cigna and what to expect and how to get the job done for us. They were courteous, kind and sympathic. They took the time to get to know us, our problem and work out a great strategy to win our case.
I really cant think of anything, you’ve been the best!
Once again my wife Sandy and I cannot thank you enough. If you want to use me as a reference, please feel free. I have been amazed at how confident you have been going up against Unum. I was so worried and anxious after researching their track record. If there is anything I can do to help with potential clients have them call me. If I have any of my fellow dentists that need disability representation, I will send them your way. It has been great working with you and Vanessa.
I had to quit working after 8 years of dealing with chronic pain from 2 bulging and torn discs from an injury and failey back surgery. I was approved for Long term disability through my employer benefits, with Unum. They covered me with payments for one year, and suddenly sent a letter that their doctors disagreed with my surgeon and pain management doctors, and they felt I could go back to work full time. I hired a local attorney, trying to save some money, but I don’t think he had much experience dealing with big LTD companies such as Unum. He filed terrible appeals on my behalf with little to no effort on his part of building a good case for me. After a year of dealing with his condescending attitude and loosing my final appeal, I decided to call up Dell & Schaefer. I had contacted them a year prior when searching for an attorney. Cesar was willing to take my case and felt I had a good one. But I didn’t want to pay the percentage he was asking for if we won back then. The old saying, “you get what you pay for”, proved to be true in this case and I regretted not hiring him from the beginning!
Once I did hire him, and thank goodness he was still willing to take my case even though he was dealing with defending poor appeals by my previous lawyer, things got moving along for me. Because of his years of experience dealing with Unum, and his record of wins against them, within 6 months we had a settlement I could live with! The stress I suffered before Cesar and weight on my shoulders was gone! Cesar is a kind, caring, attorney who will fight for your rights! His assistant Michal always talked to me when I called in with questions or to check up on my case and never made me feel bad for calling. It was nothing like the previous relationship I had with my other attorney and his staff, who avoided me. Cesar explains the process well and keeps you updated on your options throughout the process. He was worth every penny!
I am grateful for their representation and would recommend anyone with an ERISA case to call him!
Because of their proven record with Unum.
Got a yes for me. Greg was able to take charge of my disability case and turn their no into a yes. I am truly grateful.
After my claim was denied I was at a standstill. Not knowing what to do next, I happened upon Dell & Schaefer on an Internet search… skeptically I investigated and did due diligence. After initial contact, I firmly realized it was in my best interest to have Dell & Schaefer represent me. Throughout the appeal process, my emails were answered, my phone calls were returned and there was no such thing as a stupid question. It was a complicated case and my confidence was positive throughout the appeal experience. After several months I was put back on claim and there is no question I could not have done this without Dell & Schaefer’s excellent and fair representation.
Clear and concise explanations of procedures. Attention to details (that I have no clue about…). Level of expertise is exceptional.
I’VE BEEN A CLIENT FOR 5 YEARS!
A CLIENT FOR 5 YEARS!
Most likely… if you are reading this now… you are searching for ‘The Right Disability Attorney’! Realizing that no professional, including Greg Dell, can make everyone happy, the attorneys at Dell attempt to. They are still representing my best interests and have literally collected every dime I am entitled to under policy. Insurance companies know that Greg Dell’s firm is large enough to have assets sufficient to fight if necessary. They won’t ‘roll over’ because they don’t have the money to stay in the ring. Your insurance company, I assure you, know who ‘Greg Dell’ is. After they receive that 1st letter from Mr. Dell, putting them on notice that they are no longer to contact you, (that ALL correspondence goes through him)… I assure you their ‘method of operation’ changes gears. Please listen to me.
It has been my experience that once you call your insurance carrier and tell them you are even ‘thinking about’ filing a claim – their ‘helping hands’ attitude changes immediately. You are no longer an asset… you have now become a ‘liability’. Your insurance carrier knows that they will never make another dime from you. From now on you will only cost them money… perhaps for the rest of your life. It’s just business folks… we try to mitigate liabilities. If they can find a way to stall, question and deny… most likely they will.
Understand that insurance companies make money three ways:
1. Collecting premiums.
2. Investing revenues.
3. Denying claims.
They have already collected your premiums and will now determine if they can justify denying your claim… they simply will.
GREG DELL WILL NOT LET THEM GET AWAY WITH THIS CRAP!
If you are a professional and find yourself in the unfortunate position of filing a disability claim – I admonish you to not try this on your own!
HIRE A PROFESSIONAL!
Your decision is whether to hire a “disability claims consultant” or an “attorney” which specializes in professional disability claims. You’d be wise to decide upon the later. The reason being an attorney has “power” and “authority” and actually “represents you”. He/she has authority (power of attorney) to actually communicate with your insurance company and do “Whatever It Takes”. A disability claims consultant does exactly that… they “consult” with “you” (not the insurance company) and make recommendations… they tell you what to say and do.
Mr. Dell notified my insurance company that my claim was legitimate and justified and that they were simply going to pay my claim. 5 years later I have received every single payment, in full and on time!
If you have not decided yet… please listen to me. You are about to step on the field of battle with Goliath. You must never forget that these insurance people are good… very good. They know what they are doing. All day long claims adjusters look for ways to deny claims. They know all the tricks. Unless you are King David… you are going to need much more than a rock.
In conclusion consider this… right now you are not looking for a friend. You need someone who knows what they are doing… and does it exceptionally well. Do yourself a favor and call Greg… call him right now. I assure you… you’ll sleep much better tonight!
Mr. Palamara and his staff were professional and personable. I am pleased that I got to meet the staff and the mediator in person. After meeting the staff and Mr. Palamara I realized this is a group of individuals that have the best interest in the client and their priorities are right. If you want a positive experience, positive outcome with little stress this is the firm to hire.
Professional and personable. Mr. Palamara, Danielle and the entire staff are great people with a vested interest with the client’s best outcome.
Absolutely nothing! Thank you.
After developing a debilitating disorder which left me unable to perform my duties as a dentist I had to begin the process of filing a disability claim. I managed to secure two of the policies on my own but the group policy I had with Sunlife kept giving me the run around refusing to pay out. I soon realized I needed to find a disability attorney and that the insurance companies did not have my best interests.
After talking with a few different firms I decided to go with Dell & Schaefer. From the start the secretaries, record keeping, and Attorney Greg worked diligently on my case and within a few weeks we got a letter that the claim would be paid. I soon realized that this was one of the best decisions I had ever made.
Since hiring Attorney Dell almost 4 years ago things have run very smooth. He is thorough and very good at getting things accomplished in a professional and timely manner. He is a pleasure to speak to and always makes time for his clients. The staff has been very helpful and always willing to answer any questions.
When companies want to meet with me, Attorney Dell takes care of setting it up and makes sure that I always have some form of representation whether via phone or in person. I do not have a bad thing to say about this firm. They allowed my family and I to not have to worry about financial stress while going through this difficult time in our lives.
Thank you Greg, Anneli, Carolyn, and the rest of the team for being there for us. They are the best at what they do!
Best attorney in the industry! I have worked with Greg Dell for the past 10 years. He and his team have been excellent in every way! I was forced to retire early from dentistry due to arthritis in my hands. I had no idea how manipulative the disability carrier could be, and ultimately decided to have Greg help me with my claim.
He has been diligent in protecting my rights and responds to me immediately when I have a question or concern. I highly recommend him and his company – 5 stars for professionalism, response time, knowledge and commitment to their clients.
I was having quite a difficult situation in dealing with my employee benefit carrier Cigna regarding a long-term disability claim. I reached out to a few law firms to seek advise and came across Dell & Schaefer although based out of FLA they were still able to support me and had a Boston attorney who diligently handled my claim. Attorney Symonds presented everything very straight forward to me and in a manner which I could understand. He managed the collection of data from medical records, contacting my providers and the carrier (Cigna) on my behalf. Being under such extreme medical duress Jay and his staff Vanessa handled everything smoothly and efficiently and the outcome was successful.
The firms knowledge in the area of disability claims and their understanding of the specific information the carriers require led to a positive result. The carrier was non-caring and bullying and was causing more stress on an already difficult medical situation I was dealing with alone. I highly recommend Dell & Schaefer for their expertise and professionalism they treated me with high regard and I truly appreciate their support on every aspect of the claim filing.
My experience with Mr. Palamara was excellent. Mr. Palamara was always quick to respond to any questions I had and he was 100% dedicated to resolving my case with the best outcome for me that could he could obtain. He was always professional, courteous and understanding as well.
Highly professional, courteous to clients, quick to respond and they get results!
They have always been very helpful and professional. I would recommend them to anyone seeking private disability claims.
I am very happy that I went with Rachel and her staff at DIAttorney. She is very knowledgeable of the process, understanding and gracious when I might get frustrated with the process, and clear and concise in her explanations. I knew that I needed an attorney before I even started my disability application. I was having trouble just keeping up with my doctor’s appointments, dealing with medical insurance, and concerned about finances. I just could not add to all this stress the responsibility of handling my own disability case when I have little knowledge of the process. Because of Rachel and her team I was able to sleep at night while she shouldered most of the responsibility for my case. It was money well spent.
Outstanding firm on all levels – professional, knowledgeable, caring, compassionate – everything was great. I was fortunate to find this firm, they gave me hope during a difficult time. Words cannot express my gratitude.
Very professional. Very consumer/client oriented. Rachel Alters always had time to answer my questions. She is also very understanding and organized. Rachel and her associates met my expectations and more. They filed my claim for me and were very meticulous and detailed with all documentation needed to file my claim.
Yes, definitely! They are disability experts. Results were fast and positive. I didn’t have to worry about anything. They are the best and know insurance companies very well!
No improvements necessary! You can’t improve on excellence.
I hired Greg Dell to handle my LTD claim with the most horrendous insurance company in the world; The Hartford.
It is difficult, if not impossible, to find a firm/attorney that specializes in LTD claims. Greg has always been available for consultation, and brings an ease and no nonsense approach to the arena. He brings the experience and perspective to your case that one needs because it is difficult to remove yourself from the emotional knee jerk responses that are typical in these situations.
He is very fair with his time and efforts and is not an attorney that will bill you to death every time you look his way. I really appreciate that.
I highly recommend Greg, and feel more secure with my LTD claim knowing I can turn to him when I have questions, concerns, and when The Hartford behaves badly.
I was treated above and beyond my expectations from the very first phone call to the signing of my settlement check. Stephen and his assistant Kathleen were always quick to reply or schedule a meeting to discuss my case, my concerns, and their action plan.
Kindness, fast response, and excellent results is what you can expect from the Dell & Schaefer team. I never had to worry about how my attorney was handling my case and concerns. I knew he had my best interests as his main focus. I am forever grateful for their hard work and I have no regrets.
Yes, I would certainly recommend the attorneys at Dell & Schaefer to anyone in need of their services. They properly manage your expectations and make the whole process worry free. Even when faced with the most perplexing decisions on the insurance agencies part, they were able to pull thru and deliver what they promised. You cannot go wrong with them in your corner.
I really think you have the right game plan in place, and personally I would not change a thing. I was very pleased and I felt like my case was handled very well.
My case was not an extremely large case but I was always treated as if it was the most important case. My attorney always returned my calls in a timely manner and answered my questions with patience and in a language that I could understand.
My attorney, his assistant and the entire staff were professional and courteous. I was treated as an individual with individual needs, not as just another number.
I contacted Jay Symonds with Attorneys Dell & Schaefer, he was the lead attorney on my case. I was very happy with every aspect of how my case was handled. Jay kept me informed every step of the way. Vanessa who worked with Jay on my case was also very professional and helpful. I had many, many questions and they both answered every one of them. I was prepared for a long drawn out wait, but was surprised that less than 2 weeks after Jay submitted my appeal documents Liberty Mutual reversed their denial and deposited a check for all back pay into my account! If you have been denied disability benefits I urge you to call Attorneys Dell & Schaefer, trust me YOU WILL BE GLAD YOU DID!
They are the best Disability Attorneys in the Country in my opinion!
Very happy with the way my case was handled, no improvement needed!
Excellent legal services From Dell & Schaefer.
I had the opportunity to use the law firm of Dell & Schaefer of Hollywood, Florida. Greg Dell met with me during the initial consultation and explained my policy benefits. My situation was rather unique due to the fact it was a Mental/ Nervous condition which are often the most challenging to get approved. The firm spent a significant amount of time on my case and at a very reasonable fee. Through their hard work and legal expertise my claim was approved in a timely fashion. I would highly Greg Dell to anyone in need of a disability attorney.
I contacted Stephen Jessup when I was appealing the decision to terminate my LTD benefits. I did not proceed with his services at that time but because of his encouragement, kindness and expert guidance, I called back after I lost my appeal. Happily, he was able to obtain a settlement for me which was a Godsend and helped me get back on track financially. I would not have given a thought to pursuing any course of action if it weren’t for Stephen’s advice and guidance. I am so grateful for what he did for me. It was a life changer. Thank you.
Helpful, professional and kind. I appreciated the kindness with which I was treated during a very stressful time.
Not a thing!
The best advice I received when I started the process of filing my disability insurance claim was to hire the best, most experienced disability insurance lawyer available – Mr. Steven Dell. As a physician I especially appreciated and respected his thoughtful, reasoned, and meticulous attention to detail. A thorough and seasoned professional Steven prepared me every step of the way. His wisdom and expertise made me feel at ease during the entire process. Knowing that Steven will continue to protect my interests going forward is priceless. Thank you Steven!
Absolutely and without reservation!
No suggestions for improvement, my experience was stellar.
Greg Dell has been my attorney for the last five years and has performed an excellent job in regards to my case. Greg first reviewed my case and then helped me file a successful claim and has been great with follow-up. Greg set realistic expectations and followed through. Costs and fees were upfront and reasonable. I wholeheartedly recommend Greg Dell.
My experience with attorney Stephen Dell and his ace paralegal, Merlin Bryan, was first rate. I am an attorney who found herself disabled at a relatively young age (52). Stephen and Merlin had vast experience in dealing with my disability insurance carrier and prepared a detailed and thorough application on my behalf that I, in no way, could have prepared on my own. They repeatedly just told me to concentrate on getting better. They were compassionate and knowledgeable. They filed my claim in March and it was approved in April. I had never in my life had such a seamless… and dare I say pleasant… interaction with an insurance carrier.
Wholeheartedly. They are disability experts and they treat both their client and the insurance representatives with utmost professional decorum and respect. I believe that is why they are able to get such fast and positive results. The insurance carriers know that when they see the name Dell & Schaefer they are dealing with the best.
Not a thing. You are first class.
From the initial consultation through a successful resolution of my disability case, Alex and the team were professional and compassionate.
The total team worked with me to maximize the efforts and leave no stones unturned to make a logical, fact driven and human case to support our appeal.
The law firm is more than just business. I received calls and emails after surgeries to check up on me, and a very personal relationship developed.
To win is absolute and the kindness of this team goes above and beyond.
I wanted to personally express my thanks for your strong, successful, and compassionate protection. We rest easy at night because of all you do to ensure that my husband receives his benefits and can live a life of dignity on a daily basis.
Steve Dell helped me navigate and make sense of the disability insurance world. With his help, I was able to submit a clean claim so that the insurance company approved my disability without any delay. Dell & Schaefer was the second law firm I had enlisted for help with my claim. I wish I would have talked to them first. I am still a relatively young man (56) and this policy will make it possible for my family and I to have some degree of stability going forward. Thank you Steve for you counsel and guidance.
Disability is all they do. They won’t take the case if they do not think there is merit in your claim.
Nobody is perfect, but I have no suggestions for improvement.
I found the practice through the helpful videos online. Once I contacted Steven I was treated with respect and concern for my issue. I was able to contact the office whenever I had questions and always received courteous and helpful service. The staff shared in my excitement and success in the outcome of my case.
They are very knowledgable about insurance companies and medical conditions. I was pleasantly surprised at their efficiency.
Dearborn National/Dearborn Group stopped my disability claiming that I could be working in some capacity after a few years. During those years they consistently mentally abused me. Upon hiring Dell & Schaefer to represent me in appealing Dearborn’s decision to cut off my disability Attorneys Dell & Schaefer immediately stopped any contact from Dearborn to me. Because Dearborn had one particular employee that had psychologically been abusing me over several years this alone was worth every penny of Attorneys Dell & Schaefer’s (D&S) fee. Dearborn tried every dirty trick in the book but ended up giving in before my case went to court because even though they hired four doctors to try to get one who would testify against my doctors they failed.
Attorneys Dell & Schaefer had done their job and had all the evidence needed to back up my assertions of physical disability. I hate being disabled, there’s no way I’d voluntarily give up my career. I thank Dell & Schaefer though for setting this wrong by Dearborn National/Dearborn Group to a right. If I could have given up the money in advance to not go through the psychological abuse by the person at Dearborn and hired an attorney straight away I would have. My sanity is worth it. These insurance companies only care about money. All though D&S can’t operate without collecting payment I always felt listened to and cared about. Every questioned was answered during all phases of my lawsuit quickly and completely. I’ve had payment questions afterward and those are also.
I was approved for LTD benefits through my group insurance carrier, but to later have my LTD benefits terminated by them as well. I felt totally defeated and devastated. My case at times, with the going back-and-forth with the insurance company was challenging to say the least, intimidating, extremely exhausting to the point there were many times I wanted to give up. My family and I determined that I needed an attorney who understood the complexity of my case, my medical condition and the various LTD and ERISA rights/laws. My family and I reached out to Dell & Schaefer to help assist me with my case, I spoke with Attorneys Dell & Schaefer about my case for an hour, they were very compassionate towards my family and I. My Attorney handled my case with the insurance company with a relentless and dogged determination. He thoroughly walked me through and explained the legal process and my options at each stage.
My attorney worked very hard on my case throughout the entire process, he took time to research and clearly understand my condition and reassure me and believed we had a chance to win my case from the start. If there were any potential roadblocks he notified me immediately. He kept my family and I up-to-date about my case, he called often to reassure me and/or check on how I was doing and to answer any questions I may have had. He was very prompt in returning calls and emails and sharing all correspondence with me from the insurance company from start-to-resolution.
My attorney’s professionalism, research and attention to detail was greatly appreciated. His perseverance and diligence was impressive. In addition, Vanessa Arriaga, was very thorough, reliable and driven to help me in every way possible. Ms. Arriaga provided outstanding dedication to my case, she provided me with prompt information in a timely manner, explained new information to me if my attorney wasn’t available, as well as if I called with additional information or questions she was patient, knowledgeable and provided personal attention and compassion.
My attorney demonstrates all the right traits a client looks for in an attorney, respect, honesty, hard work and integrity! Thank you for your helping me win my case and assisting me in the next chapter as a client.
Attorneys Dell & Schaefer know how to win your case. My attorney is not only very-well skilled and knowledgeable about the LTD Insurance Industry and various laws associated with it, he is thorough, supportive, honest and has exceptional commitment and dedication to his clients and the law governing their rights and compensation. I’m very appreciative to Dell & Schaefer and their staff, the knowledge they have of the Insurance Industry and their caring attitude is second to none!
The exceptional character, tenacity and knowledge of my attorney has made my experience very positive. Continue with exceptional attorneys, believing in the client and working hard for the best positive outcome in fighting for resolve (i.e. rights, benefits, compensation, care) in all disable American lives.
Great attorneys, very professional and fully committed with helping you on your behalf. They worked hard in a very complex disability law system. You can not fight without a good attorney. These corporations are great in protecting themselves with lawyers and insurance after they cause harm to you. So be smart and fight back with a good attorney from Dell & Schaefer. Do not let someone hurt you and get away with it without trying to fight for what you deserve. I just want to say thank you Dell & Schaefer for all you did for me.
Because they know the law system and how it works. You can not fight for your rights and injury against other attorneys without your attorney. Plus you need an attorney who knows the disability rules and regulations and how to pursue your rights.
Dell & Schaefer does not need improvement. It is our system that needs improvement workers should not be harmed on the job and left to fend for themselves. I have seen nurses get harmed and exposed to diseases and not have insurance coverage for illness and diseases they were exposed to. In this great land of America our workers and veterans should not have fight or pay or not be treated for the injuries they received working or fighting for this country.
I have been very pleased with the services provided by Gregory Dell. His firm has always been reliable, courteous and professional. I am so relieved that he deals with my LTD provider and I have the peace of mind that is he working with my best interests in mind. Highly recommend Gregory Dell.
This was the second time my LTD provider (Prudential) terminated my coverage. Steve got my coverage back the first time the provider terminated it. I contacted Steve and Danielle immediately when I was notified of the second termination.
Even though the LTD provider was to use Dell & Schaefer as a conduit of communication to me, they superseded this agreement and communicated this fact directly to me. Steve and Danielle began gathering the supposed facts behind the termination and saw they were bogus. My case file was sent to an independent physician in a different state who simply read documents to determine that my symptoms were falsified and upheld the termination. Steve contacted the provider and drew exception to that entire process.
Since I am not an attorney I can’t begin to imagine the legal wrangling that took place to contradict that opinion. An actual “hands on” IME was scheduled by the LTD provider to see if it would concur with the other physicians findings. The findings of the “hands on” physical examination disagreed in nearly every way with the report delivered by the physician that simply read a report and didn’t lay a hand on me.
As a result of the dedication of Steve and Danielle my LTD was reinstated this month, along with all the back benefits dating back to the date of termination in June of 2015. Steve and Danielle went, in my opinion, above and beyond the call of duty to see that I got back what was rightfully mine. They have my eternal admiration and respect!
Dell & Schaefer is a no nonsense firm. They will move heaven and earth to get you what you deserve. If you are looking for representation, look no further than Dell & Schaefer.
Keep doing what you are doing! Your open communication with your clients and the bull dog like determination is the key to your success.
Mr. Palamara was great! He fought for the best settlement I could hope for. Even when I thought about giving up to the big insurance company, he told me not to quit. I am truly grateful to him and also to his assistant Venessa Arriga. Thanks Again.
Painless. Everything was handled at Dell & Schaefer’s end. Alex was an absolute pleasure to work with. I always felt like I was just as important as any other client. Never felt like I was being brushed aside like some lawyers make you feel. Everything was handled in a timely manner with better than expected results. I VERY MUCH recommend to anyone in need of legal representation.
Great representation and handled everything without needing my presence in their office.
I can’t think of any improvements.
After dealing with my LTD carrier for 8+ years, I’ve come to realize that the reason I’m still receiving benefits is due to the work of Greg Dell and the whole team at Dell & Schaefer. Greg knows the industry inside and out and has always offered timely and dependable advice.
Working with Alex was a pleasure, before coming to Dell & Schaefer I had been thru 3 different firms before. The other firms never returned calls and did not keep me informed. When I finally found Dell & Schaefer namely Alex he took on my case with a week to answer an appeal, at first he was hesitive but took on my case and always kept me informed and up to date of how we were progressing. After some time we actually finally came to a settlement which as it seemed was never in sight before.
They work for the patient and understand disability.
Nothing that I see.
At first I wanted a local lawyer that I could talk to in person, however, I could not find one in my own state that would take an ERISA disability case. Once I contacted Dell & Schaefer and talked to my assigned lawyer (Alex) my fears went away. Alex was very attentive to the things that I told him and quickly returned all my e-mails and/or phone calls. He set my mind at ease and worked very hard on my case to ensure a favorable settlement. He provided me with the right advice to settle outside of the courtroom when I was overly aggressive in my approach. He was also able to obtain a favorable settlement for me when I was sure it would not be possible when I started down this path. One of the important factors for my taking this approach was I didn’t have to pay anything to Dell & Schaefer unless they won my case and they allowed me to decide what I was willing to accept in the end.
They get results, but they also listen to the clients requests and concerns.
Very responsive to my questions and needs, honest and straight-forward about possible scenarios and outcomes, and ultimately won my case! Very happy with Rachael and Dell & Schaefer.
All the reasons above. Very knowledgeable and experienced with my particular insurance company and their tactics.
I believe Alex Palamara is a real life hero. He’s the kind of human that sticks up for the “little guy”. All too often in our society we might think of dentist and attorneys in a negative light. However, when one finds themselves in a terrible place, you pray for help, thankfully, I found Alex!
I would absolutely recommend Attorneys Dell & Schaefer. Everyone at Dell & Schaefer treated me with the utmost respect and dignity. They understood my situation and worked endlessly to create a positive outcome.
I realize there is always room for improvement but in this instance, I fail to recall anything about this experience (besides not having the battle in the first place) that I would change in regards to my representation.
I had a great experience, they worked very hard for me and kept me informed on everything going on with my case.
Yes, I would highly recommend them.
Nothing, you do a good job.
My experience of working with Dell & Schaefer was very positive. After working with another attorney who I did not feel worked as hard as he could have in my behalf, I found this firm to be everything they said they would be. My questions were answered all the way through the process, and my input was respected.
I came to Dell & Schaefer utterly defeated by my private disability insurance carrier. I was devastated that they were denying all responsibility in my long term benefits despite having paid into their horrible program for almost 20 years. When I talked with Alex, all of a sudden I had hope of not only closure but of compassion for my situation. He explained everything to me. Held my hand when I needed hand holding and he and his assistants provided me with information anytime I asked. Should I ever need assistance again I would not hesitate to contact Alex or recommend him. This law firm and Alex was definitely a beacon in what has continued to be a horrible time in my life.
They are compassionate, on top of your case and thoroughly explain everything that is happening and why. They definitely earn their fees and do not “nickel and dime” every time you ask a question. They are personable and everyone from the attorneys to the support staff all up and down the “line” are all the same. Everyone I dealt with were all equally professional and compassionate and that is not an easy balancing act.
I do not know. My experience was very positive and I do not have anyway of complaining with Alex or Dell & Schaefer. My private disability company was horrific, but in hiring you to represent me, this experience ended in a much more positive way than it started. When you are disabled and in my case suddenly so, you’re made to feel less than as a person. Or as a hypochondriac. You find yourself constantly trying to defend why you aren’t a drudge on society and why you’re not just looking for a handout because you “can’t deal” with life. In dealing with Alex and Dell & Schaefer, for the first time I felt as if I didn’t have to justify the fact that yes, my body is sick, yes I worked damn hard for being able to pay into a long term disability insurance crappy as it may be, and yes it’s ok to receive the payout without being made to feel like scum. I am truly grateful for the outcome of my case and for Alex and his team.
Mr. Palamara was very professional and without his help I wouldn’t have gotten anywhere. The disability insurance company refused to pay me anything and Mr. Palamara got me a settlement.
The know their business and are very professional.
I was given the complete run a round with my insurance company on my LTD. I called Dell & Schaefer and spoke with Steven Dell and after an hour long conversation, he advised me that he would handle my case. In six weeks in his hands, my case was approved and my long term disability claim was approved. The insurance company still tried to make my life a living hell but, with Steven Dell, they backed off. Great Firm and I thank them for their help.
To describe my experience with Dell & Schaefer is pretty simple, I had no hope of getting any settlement from my LTD company and have been sorely miss treated. When I reached out to Dell & Schaefer I truly expected to get nothing. After several long conversations and rants with Rachel Alters, I slowly raised hope for some kind of relief. Without Rachel and her team I am convinced I would’ve received nothing from the insurance company. Rachel and her team got to know my case better than my doctors even did. I never experienced this kind of care and compassion from a legal team before. I am pleased and thrilled to recommend Dell & Schaefer, do not give up, do not despair, they will win in the end. Thank you for your support and especially the settlement.
Professional care and knowledge of how LTD insurance companies work and the necessary steps to be successful against these very large corporations.
I contacted Dell & Schaefer and was referred to Alex Palamara. I sent him the information that I had. The next day I got a phone call from Alex and was told I had a good possibility that of collecting on my policy. I was kept up to speed on the whole process. I really did not think I was going to collect a thing (the insurance co. does a good job of convincing you to give up). What was I going to do… make the insurance company mad because I didn’t believe them? Alex kept in contact with me and when the offer came in, I signed and a check was issued shortly.
I would definitely recommend Dell & Schaefer because they were prompt, explained my options without making me feel stupid. I felt they knew and responded to my needs.
When I became disabled I filed a claim with my insurance company and they denied my disability payments. After failed attempts to resolve it myself I finally reached out to Dell & Schaefer. They were able to get me a settlement. I know I would never have won my case because I didn’t have enough evidence from my doctors due to losing my insurance and not going to the doctor much. But Rachel was able to get me a settlement. Not only that, but she got me double what the insurance company originally offered. I would describe my experience working with them as pleasurable and professional. You just can’t go wrong with this firm!
I would recommend them to anyone needing their disability payments because they have a stellar reputation and a high degree of professionalism.
Not anything that I can think of!
Working with Stephen Jessup and Vanessa Arriaga has been a joy! They have been tireless in their work and have made Sunlife overturn their decision. Every call or email has been promptly addressed and they have been incredibly available even around holidays! Always courteous and professional communication is greatly appreciated. After communications with Steve I feel very protected and sure that all will work out well. They have even made anything needed from me as easy as possible! I have and will continue to recommend this law firm and S. Jessup in particular!
Reliability, professionalism, successful results, communication throughout.
Short of cloning Jessup & Arriaga I can’t think of a thing.
You work with many people throughout your life, but few people touch your life in such a positive way beyond the settlement. We truly felt that Cesar cares about the people Dell & Schaefer serves. We may not cross paths again but we will always pray that the work you do continues to be successful on many levels. It is obvious that you also take your work to heart and we choose the right person to be our attorney.
I am a 61 year old Senior Business Analyst. I had been working at a health insurance company for approximately 11 years when I became disabled and have had numerous, bulging disks, nerves that were severely impinged, and active arthritis and degenerative disk disease throughout my spine. I underwent back surgery for L1 thru L5 infusion which included insertion of 2 titanium rods and 6 pins. I continue to undergo physical therapy 3 xs per week. Not to mention the surgery left me worse than before the surgery considered a FAILED BACK SURGERY. I’m unable to sit or stand for more than 2 hours with getting up. I am unable to walk for more than 1 city block. I also have many other medical conditions. After collecting LTD from Lincoln Financial for about 3 years, the harassment began. They decided that I was no longer disabled. In short they felt I was capable of returning back to the work force. (Social Security Disability deemed me permanently disabled)
After fighting with Lincoln and exhausting my appeals I decided to research and hire an attorney. I selected Dell & Schaefer based on their website, case success statistics, and the speed at which they returned my calls and emails.
Let me tell you, my experience in working with Rachel Alters and her assistant Michal Mizrahi is nothing short of outstanding. They responded quickly to phone calls and emails and were mindful of my concerns and information needs. Talking with the both of them made me feel confident and assured they were doing the best for me. I cannot say enough good things about Michal. She anticipated my needs and was proactive in keeping me informed as my case progressed. What a TEAM they make. Any time I reached out with questions or concerns they were very responsive and always left me feeling satisfied that I had the best in my corner. Rachel is an angel. She is so down to earth compassionate, professional and trustworthy attorney. Rachel was there to guide me from the start and helped me get through this stressful and lengthy process.
While attempting to handle it on my own, my long-term-disability claim had been denied two previous times. With the help of Rachel Alters and her team, I was able to obtain a settlement I never would have been able to get without their assistance. Rachel and her team far exceeded my expectations in every capacity. She was focused, clear, responsive, efficient and above all exceedingly knowledgeable.
I would highly recommend her to anyone having disability issues. I truly feel that I could not have been better represented.
I consulted with Attorney Cesar Gavidia when my disability insurance benefits were cancelled after 4 and a half years, even though my doctor said that there was no change in my condition and did not recommend that I return to work. He accepted my case and was able to obtain a good settlement in a timely manner.
I highly recommend Attorneys Dell & Schaefer because they get the job done. Attorney Cesar Gavidia and his legal assistant were always there to answer any questions I had. They gave me hope when I was feeling hopeless. During the times when I was feeling anxious, they consoled me and helped me to be patient.
Just keep on doing what you do best, helping people like me.
My husband had paid for private disability insurance from the first year he worked. 30 some years later he filed a claim, it was denied. Together we submitted the claim 3 times, all times denied. We had no income and were rapidly using up any small savings we had. I searched on the internet, specifically looking for success with my husbands disability provider and found this firm. Within 2 months we had disability payments and when, yet again, the company stopped them after a year with no warning, this firm kept going. We could always call or email and get answers. Everything was explained to us and if there were options, we were given them. It has been a long process but we have a settlement and our lives can move forward. We are grateful for the help we were given by this firm and we recommend them highly.
Nothing that I can think of.
My experience with Mr. Dell and all of the staff working at the practice has been an excellent experience. Planning to make a claim for disability with a private insurance company can be very intimidating for the average person. Mr. Dell is professional and sharp, just what I was looking for in an attorney to represent my case. He walked me through every step and helped me make the best application for benefits. There were absolutely no surprises while applying for my benefits as we were both well prepared for any questions that could arise during the process. Mr. Dell was able to work with me and my physicians to make sure the application was thorough and complete. No mistakes were made along the way and my benefits were approved without any problems whatsoever. I will truly be grateful for Mr. Dell for the rest of my life.
Preparing a disability claim is difficult and filled with many pitfalls that can be avoided with the proper preparation and guidance. This firm is excellent and experienced with all aspects of disability claims. I was very impressed that it was so easy to make this scary situation a lot better because I knew that Mr. Dell is so experienced.
In desperation after dealing with the insurance company by myself for a bit I called Dell & Schaefer and they listened to me then took the case. They kept me well informed as to what the law allows and what was being done. It took a bit of time but finally they got me what they could, fighting for my rights tooth and nail against a corrupt system that is in need of repair. They were always professional even when I was emotional, exultant attorney highly recommend if insurance company is running you around.
They will fight for you.
Nothing. Awesome job.
It was a pleasure to have had Attorney Jessup and his Assistant Kathy Bordas as my legal Counsel in my LTD case. From the very first phone call that I had with Attorney Jessup he showed me respect as well they listened to everything that I had say. They showed me that there was so body out there that was gonna fight for me and not through the case to the side. Every step of the process your law firm kept me in the loop and gave me options as to what the possible outcomes will be. Attorney Jessup and Kathy Bordas showed true professionalism during the whole process. They where able to get the insurance company to see my side and hopefully see the pain that I am in every day. Your firm was has given myself and my family some hope and happiness again. From my family to Attorney Jessup, Kathy Bordas we Thank You and God Bless.
I hope to use you again if I need attorneys in the future.
Nothing at this time.
Steve and Danielle were so wonderful to me and my wife. We were so upset with our situation with Cigna and I called Dell & Schaefer and was transferred to Attorney Stephen Jessup. I can’t explain how he eased my mind. He was so professional and educated on the subject of disability insurance and made me comfortable that he would help me. Any time I had a question I could call or email them and they got right back to me. The friendliness and helpfulness was amazing. Steve Jessup helped me win my case and I can’t thank him and his company enough.
We would definitely recommend your law firm to anyone who needs help with disability insurance. Steve reassured us and was so friendly and professional. I knew the first time I spoke with him he really cared about his clients. Danielle always got back to us either by phone or email very quickly. Thank you both very much.
We had a great experience considering we live in Ohio. All our phone messages were answered promptly. I have nothing negative to say. Keep up the good work.
I learned in March 2014, that my LTD insurance provider was auditing my case. Two weeks later I received a denial letter. I didn’t even have time to provide the info requests to my doctors much less have them completed and sent back to the LTD company. I promptly called the rep who fumbled about for a few minutes then stated that the letter was mistakenly sent to me. The rep (I’ll refer to him as L) was often rude and aggressive even bordering on threatening on the phone.
They did not contact me from early June, I think, until September when L called me to inform me that my payments had already been stopped and a denial letter was in route. This letter informed me I had not complied in getting information from my Doctors and, he claimed in part that since they were not responsive to the insurance company, I was now in receipt of this denial letter. After all he claimed, I really was just fine (not quoted but implied in my opinion). I had not heard a word from L in 3 months prior to that call. I had been promised I no longer had to talk to L after I complained to the insurance company. How surprised I was to pick up a call from L. He seemed quite pleased to let me know they had already stopped my payments. Long story short, like you perhaps, I was scared and had no idea where to turn. Did I need to find a local attorney? That’s what I started doing. I quickly learned there were a lot of people who had or were currently going through the same thing. Misery really does seem to love company.
I started reading other people’s stories and often ran into the Dell & Schaefer name. I was skeptical. I mean, who chooses an attorney over the internet? I learned there were topics this law firm had placed on You Tube? I intently read everyone of them. I admittedly was impressed as they carefully described the process and what to expect. I read more than once. I called the national number listed. I made my choice when I spoke with Alexander Palamara, Esc. He was very informative, confident and encouraging. All of which I was not feeling prior to that call. I made my decision and never looked back. I knew without question that I would never be able to win this case on my own. I was so naive that I didn’t understand that what I thought was a very reputable and certainly well known Insurance company, would blatantly lie. They did. My attorney learned during the discovery process that they had, had much of the information they said they never got. They had had it for months. I never had to wait for response from Alexander, my attorney. If he was not available, his assistant would contact me. I was always in the loop and well informed. I was still shocked at the glaring discrepancies noted in my filing as opposed to what was noted by the insurance company’s denial letter. Some say, “Trust but verify”. I would Strongly recommend, “Don’t trust And Verify!” Act as early as you are able. Expect to provide your doctors names, addresses and phone numbers and dates. Then expect to be well represented. It’s well worth your time and money to pursue your case with Dell & Schaefer.
Please see my long description above. The words that describe my experience with Dell & Schafer are concise, prompt, attentive, thorough, upfront and honest.
I honestly can’t think of anything.
I did a lot of research on disability attorneys before hiring Dell & Schaefer. Many firms do real estate, legal defense and disability on the side. I wanted a firm that specialized in and only did disability claims. I chose Dell & Schaefer after many conversations with Steven Dell. Mr. Dell was very professional giving me all pluses and minuses of my claim. It was an extraordinary amount of paperwork but this was all made easy by Merlin Bryan. Merlin walked me through all the steps and was on top of everything needed. My initial claim was denied but Mr. Dell assured me I still had a good case and suggested an appeal. The appeal attorney, Stephen Jessup, was also very professional and very assuring. Bottom line, my disability was approved. I couldn’t be more happy with the firm.
One of the best things about the firm was how accessible everyone is. Mr. Dell and Mr. Jessup always returned my phone calls the same day. If I emailed Merlin Bryan something I received an answer within minutes. Mr. Jessup even replied to my emails on weekends.
Bottom line, if you need a real estate attorney look elsewhere. If you need a disability attorney, look no further. Dell & Schaefer is a great firm to deal with and gets results!
Nothing, I am very pleased.
When I couldn’t get help elsewhere, Ms. Alters was there. I was treated with respectable kindness. I would definitely recommend this lawyer to anyone. If I had known about them to begin with, I would have called them first. I am grateful for all they did for me.
I don’t have any suggestions that you don’t already do.
Painless, as they did all the work and they knew what was required.
They made it easy for me, and knew what to do to resolve my issues.
I would just like to say that I have dealt with a lot of attorney’s in my lifetime. But this has been the most gratifying and professional law firm that I have ever dealt with. Their professionalism is more than 100%. I would recommend this law firm to anyone who needs help. So if you are looking for a law firm that will work for you. I would need you to contact them right away.
I would recommend attorneys Dell & Schaefer law firm because they’re so professional. They are upfront about everything weather is good or bad. That is why if I needed another law firm to handle my business they would be the first one I would call.
The only thing I could think of that you could do to improve would be to keep doing what you are doing.
Alex and Danielle were very helpful to me. They always made me feel like my case was very important to them. My calls were always returned and my questions always answered. I felt like Alex was going to protect me against the disability company that had bullied me for so long. I truly looked forward to meeting him in person. He was always professional and courtious. I feel like I received the best care possible.
The treatment I received from the office of Attorneys Dell & Schaefer was the best I believe any attorney could’ve received. I would recommend them to anyone.
I contacted Dell & Schaefer out of frustration with Metlife’s complete lack of response to my notice of claim letters. In my conversations with attorney Jay Kanter he reassured me I had a good policy and a solid case for long term disability benefits. Mr. Kanter was able to get a prompt response from Metlife and guided me through the application process. The assistance of attorney Kanter was instrumental in the approval of my claim and has made the application process and ongoing claims maintenance much less stressful than trying to go it alone. Everyone at Dell & Schaefer I have had contact with has been helpful and professional. I appreciate how they continue to represent me in the maintenance of my long term disability claim.
They have the experience and professional expertise in disability law practice to handle the claims process and manage ongoing benefits maintenance.
Before I started working with Stephen, I was unsure how I was going to navigate the long term disability process. I had already been denied once and was very discouraged. So I did some research and interviewed a few attorneys. Its such a personal and scary process especially when you are chronically ill. But the first time I spoke with Steve I knew he was the one for me after our initial call. He was caring yet realistic about the appeals process. There were no guarantees except he was going to give 110% and he did. And that gave me hope. I can’t say thank you enough for what you have done for my family.
Steve and his assistant/paralegal Kathy were always available if I had any questions. They kept me informed throughout the process, even encouraged me when I felt hopeless and stressed out. So I can whole heartedly recommend them to anyone who is considering using Dell & Schaefer. You will not just be another case number. Although insurance companies make you feel that way, you won’t feel that way with these attorneys (especially if you get Steve).
I really don’t have any recommendations on how you could improve. To be honest my expectations were met above and beyond.
I would like to make sure that whomever Alex’s boss is knows how good he is. He was always was so kind and I felt like he would take good care of me. His opening statement to Hartford made me cry I could tell he really cared and truly reviewed my case. I can promise you that if anyone I know needs help that they use Alex. I’ll always remember him, he treated me like he was my big brother and was going to fight for me. Thank you as well Danielle you are very nice and always available.
I worked with Rachel Alters, who was very knowledgable about ERISA, my health condition and the best way to present information to my private LTD company. Being disabled, I am always tired, have little energy and have trouble concentrating, remembering things, etc. Rachel always maintained professionalism, would repeat the process if necessary and made things as easy on me as possible. She always made herself available if I requested a teleconference and her assistant was always prompt about returning my calls and providing information I requested.
In a professional setting, I’ve worked with attorneys for years and had to review and sign contracts. I know from personal experience that a contract is only as good as the people who stand behind it. I put my trust in Rachel and she delivered. We were able to get my LTD company’s denial decision reversed and I was put back on plan after she threatened to sue when they initially upheld their original decision to deny my claim. Having backpayment and being put back on plan definitely helps with my financial stress and I know it has taken its toll on my health.
I hope now that I have some financial security, I can focus more on getting better and do so more quickly. There is no doubt that I couldn’t have done this without Rachel. She guided me through the whole process, making sure that appropriate things were documented, we received the right information from the right medical professionals, had tests performed when needed, etc. It was a pleasure working with her and her team.
Absolutely. From the very beginning, I had confidence in Dell & Schaefer, specifically my attorney, Rachel Alters. You want a firm that specializes in private LTD cases with a record of winning. I interviewed several attorneys before making such an important decision. Everyone had a different perspective on outcome based on my condition, age, amount of the policy, etc. She had experience with cases similar to mine and didn’t hesitate to take mine. She never faltered on her position that we would win, it was just a matter of when and how much. She delivered, and I’m very happy with the outcome. She lived up to her word.
I was getting nowhere with my absence management company. They cut off my only source of income two weeks before I was to go on long term disability. They kept giving me excuses as to why they would not finish out my STD payments.
That is when I enlisted the services of Attorneys Dell & Schaefer and am I ever glad I did. They got the ball moving immediately and worked diligently to substantiate my claim. To my surprise, I was told that they were able to secure both my remaining STD payments as well as retroactive LTD payments. I would not recommend anyone going through similar circumstances to attempt to do things on your own. Go with the expert professionals, Dell & Schaefer.
I highly recommend the team of attorneys and paralegals at Dell & Schaefer. Attorney Stephen Jessup and his assistant, Danielle Lauria were extremely professional. They actually replied back to me in a timely fashion when I had questions on certain matters. Besides that, they were always courteous and kind. My experience with other law firms is such that they talk down to you and they take forever to get back to you but such is not the case here. It is refreshing to find that this law firm is capable of getting the job done right the first time. I will use them again if the need arises.
In my mind, there is nothing that I can think of related to needed areas for improvement. It is apparent to me that this law practice operates like a finely tuned instrument.
When I saw myself in the need to seek legal advise, I didn’t quite know where to turn, since I hadn’t needed one ever before. So… keeping up with the times, I turned to the internet. I was a little leary about that, considering that one can’t believe everything one sees on the net; I however am very happy that I did. I guess it was my lucky day cause I found the law firm of DELL & SCHAEFER.
I contacted them and was assigned to attorney Rachel Alters. From the beginning she was easy to speak with, down to earth and very clear in her responses when questions were asked. I felt that she was honest and had my best interest at heart from the get go. She was very clear in saying that she could not make any promises, but she would do everything possible to help me, and she surely did. I can’t not mention her assistant Kathleen Borges, who was also awesome and very prompt returning my e-mails and phone calls. THANK YOU both for solving my case and giving me back some peace of mind.
In a nutshell, after working as a RN for 37 years, I became disabled due to complications from Rheumatoid/Osteo Arthritis and ended up with bilateral Knee Replacements. As most RN’s do, I purchased long term disability through my job’s group plan and can’t remember a time when I didn’t. The insurance company paid me for 2 years and then decided that I could go back to work in sedentary positions, which they even chose for me and could not have been further from my reality. At this point is when I decided to seek legal advise.
I’m sure there are many others in my similar situation so I want you to know there is help out there… there is Rachel Alters / Kathleen Bordes… there is……….. DELL & SCHAEFER!
Excellent attorney client rapport; timely resolution of case; accurate and concise information; easy access to attorney or assistant.
Like the song says… “Your’re beautiful just the way you are”.
When I first thought about a disability claim and what was required to qualify, I met with Greg Dell and he clearly spelled it all out for me. He quickly advised me that with my problems I was definitely deserving of benefits. I was given a choice between an hourly or percentage compensation rate. I choose the percentage rate as I wanted Greg to be a partner in my claim and handle all the complexities associated with getting paid and the continued documentation required.
I have had my share of experiences with lawyers and I have to say Greg Dell was the most professional as well as honest and caring one I have ever met. He makes no promises but points out all the facts in your case and what he feels you need to be successful. The e-mails sent are always answered promptly. I have to mention that his staff specifically Vanessa is always available and helpful. I believe it is possible to do the whole process yourself, but I WOULD NOT RECOMMEND IT. It is my personal opinion that the insurance company does not want to pay you no matter what and a good attorney is essential to navigate all the road blocks put in front of you. Thank you Greg for guiding me and helping me financially protect my family.
Gregory Dell’s reply:
Your kind words mean a lot to Vanessa and I. Thank you for the opportunity to work for you and I will continue to do everything I can to make sure your disability benefits continue to be paid each and every month.
I have recommended several people to Greg’s firm and they all thanked me.
Keep serving the community in the matter and professionalism showed to me and the referrals I have sent.
After fighting with UNUM for over a year over whether I was disabled (I had been determined to be disabled by the Federal Government and had a letter stating such), I finally decided to hire an attorney. Being skeptical and wary of money grubbing lawyers, I researched various firms over 2 months, interviewing prospective attorneys over the phone. I selected Dell & Schaefer based on their website, case success statistics, and the speed at which they returned my calls and emails.
My experience in working with Rachel Alters and her assistant Michal Mizrahi is nothing short of outstanding. They responded quickly to phone calls and emails and were mindful of my concerns and information needs. Even when Ms. Alters was out of the office for personal reasons, she would make sure that my questions were answered thoroughly in a timely manner. I cannot say enough good things about Michal. She anticipated my needs and was proactive in keeping me informed as my case progressed.
In the end, Rachel and Michal were successful at reaching a good settlement for me with UNUM and I am very satisfied.
Resolving disputes with insurance companies is always stressful and unpleasant. I strongly suggest that if you find yourself in that place, that you seriously consider Dell and Schaefer, and if possible, Rachel Alters. She made what could have been a horrible situation not only bearable but brought to a successful conclusion in a timely manner. I am clear that I would never had had such a positive outcome without their help and expertise.
The staff I dealt with were professional, knowledgeable, efficient and exhibited good customer service. They have been here many times before and know the ins and outs of how insurance companies work, what they will and will not do and how to move the process along much more quickly than individuals could. Their fees are reasonable and they work hard to get you the best results they can.
I cannot think of much. My experience was very positive.
I was a healthcare provider when I became ill with 2 rare diseases. I was on long term disability 2 years when they started playing games. “We think you can work full time”. Then one day they called and said we are not paying you anymore, have a nice day. Needless to say my husband and I were devastated to face this financial loss when we felt we were covered by all the insurance we had. We had provided them with anything they asked for. My LTD company had abandoned me. I needed a voice. That’s when I found Dell & Schaefer.
I found Dell & Schaefer online and read and watched all the testimonials and basically everything they had available on their site and was impressed by their professionalism. If I emailed Alex and or his associates I received a response that day. If I rambled on about my fears or my questions about the process he reassured me. I was treated with compassion and dignity at a time when my LTD company had taken away my dignity. In addition, Alex was able to write an amazing summary of hundreds of pages of complex medical records. Lastly, they are passionate about winning and righting the injustice of a corrupt insurance system. What more could you want in a lawyer?
They handled the case very carefully finding the proper way to challenge the disability company that they are/were in the wrong and must pay me for monies owed to me as a disabled individual.
They were very professional and never gave up.
I was very anxious and cautiously optimistic about getting back my disability benefits from Prudential. From my first call, Stephen explained the procedure in depth. When I had questions and concerns, they were handled promptly and professionally by both Stephen and his assistant Vanessa. I can’t express my thanks enough! This is such a relief! I can pay my bills now! It is shameful that insured people have to be subjected to this kind of trauma, just to get what they already paid for! Shame on you, Prudential!
Caring, professional, and efficient service.
I will let you know when I think of it!
Rachel Alters is a very compassionate, professional and trustworthy attorney. She got my claim accepted expeditiously which has made this very stressful time in my professional and consequently my personal life less difficult. I am very grateful.
Having had several lung surgeries including a wedge resection, lobe removal and pleurodesis as well as MAC lung disease, I was diagnosed with stage vi (end stage) COPD in October 2012. With my lung function at 23% it was becoming very difficult to manage my daily life let alone continue working in my management role at a large healthcare company. After meeting with my primary physician and my pulmonologist, it was agreed that I should stop working and submit a claim for disability. I was 52 at the time. My short term disability plan with Mutual of Omaha paid my claim for 3 months at which time it was converted to my long term disability plan with no issues. I continued to collect my LTD benefit from February 2013 until November 20th 2014 when I received a letter saying I could return to my previous position and there was nothing in my medical records to indicate disability. I was shocked to say the least, as my condition is chronic and progressive and in fact my condition had continued to decline. I didn’t know what to do and knew I did not have the knowledge or experience to appeal their decision. I was very afraid as we depended on this income to pay our bills, that’s why I held the policy for many years, to protect my family. I want to add that I applied for and was approved for Social Security disability benefits shortly after diagnosis.
I immediately started to search for attorneys that handle disability claims and found literally hundreds that handled SSDI claims, but few that handled employer/private policies. I found Dell & Schaefer and filled out their quick online form and almost immediately received a reply from Gregory Dell (yes, an actual person responded!) who let me know that he asked Rachel Alters to call me. I don’t think it was more than a half hour before I received a call from her. I immediately felt a sense of relief as she explained the process and what she would be doing for me.
From that day forward, I have been met with OUTSTANDING customer service from Rachel Alters and Kathleen Bordes. Any time I reached out with questions or concerns they were very responsive and always left me feeling satisfied that I had the best in my corner. The process took many months and a lot of leg work on Rachel and Kathleen’s part. When I was finally sent a draft of the appeal, I completely understood why it takes so long. The level of detail was unbelievable. I actually feel like I better understand my disease after reading it! The appeal was filed timely and my denial was overturned very quickly. When I learned it was overturned, I have to admit I had tears in my eyes. I want to add, that even if the appeal didn’t have the positive outcome that it did, I would feel exactly the same about the exceptional job done on my case. I’m not sure I can ever truly express how grateful I am, and how blessed I feel to have found Dell & Schaefer and especially Rachel and Kathleen!
Outstanding customer service and attention to detail.
If you have a disability insurance situation, you need a pro like Steven Dell from the start to guide, support, and battle the insurance company for you. Don’t try to take on the powerful insurance companies on your own as they have all the tactics in place to try to delay and deny your claim, no matter how legitimate. If you try to do the claim on your own, you will be at a disadvantage. Our experience with Steven Dell was exceptional. I was diagnosed with severe cardiac disease. As a result, my cardiologist and other doctors told me that I needed to cease working immediately or risk a severe heart attack or death. Unfortunately the disability insurance company did not see it that way and tried to delay and dismiss the seriousness of my illness and attempted to set up a denial.
The insurance company is on your side as long as you are paying your premiums and do not file a claim. I found out that the insurance company will try to do all that they can to deny paying a claim. Fortunately Steven Dell was on our side from the start and helped us get through this stressful and lengthly process of filing a disability claim. Steven Dell advised and guided us through each step of the way and on many instances had to go head-on with the insurance carrier. The amount of paperwork in filing a claim can be substantial. Mr. Dell’s professional staff (especially Merlin) was efficient in handling everything to ensure that all the necessary paperwork was in order and submitted to the insurance company. I owe a debt of gratitude to Mr. Dell, he was a Godsend, and we were able to win the case. If you have a disability situation you need a pro like Mr. Dell from the start if you want a successful outcome. Our lives are better now because of Steven Dell ~ Thank you Steven!
I am very pleased that Mr. Gavidia was able to get my husbands disability insurance with Cigna re-instated. It took time, due to Cigna & the games they play. It is also VERY reassuring that if (& probably when) Cigna denies his disability status again, Dell & Schaefer will be there immediately to speak for us. Neither my husband nor I have the ability to fight Cigna by ourselves, we feel very fortunate that Mr. Cesar Gavidia did it for us.
Part of the reason we pursued this matter is the principle involved here, they had no reason to cancel his disability other than Cigna is a very money greedy company. It is a extremely rewarding feeling knowing that Cigna did not get by with this in our case. I wish that was the case for everyone.
If you are in the same situation as we were, please give this company a call & find out your options.
On a personal note – Thank You Cesar!
They were honest about everything involved. Also we got the results we needed, & could not fight ourselves.
I worked with Steve Dell. I had two disability policies and both claims went as smoothly as possible. The key? Adequate preparation by the disability attorney. Believe me, I am an educated man, but unless one has experience in the field, you will make mistakes on your own (just like anything else in life). Some of these mistakes could cost you your claim. Trust me, hiring a disability attorney will be one of the wisest investments you will make.
It was a smooth process. Very complete package. So complete, the insurance companies could not even find a reason to ask for any more documents. No medical exams by either company. Only one post-approval interview (unusual in itself).
I don’t see any reason to improve.
Stephen is an incredible attorney. He helped me tremendously and if I did not retain his services and expertise, I would have gotten a big fat zero. My case was challenging because I did not hire Stephen at the outset of the process and I regret that immensely. Both Stephen and Kathleen were communicative, responsive, organized and I really felt that they cared about me and my case. If I ever had questions or concerns they were addressed right away in a courteous and professional manner. Stephen was very strategic in his thinking and laid out a solid plan with regard to my case. This saved me excessive expense and also offered thoughtful, solid guidance that a client such as myself needed.
If you think you have a case – do not hesitate – do not work with other attorneys before speaking with Stephen Jessup at Dell & Schaefer. He is worth his weight in gold!
This firm is professional, they really care, their attorneys and staff are brilliant, strategic and extremely helpful. If they feel you have a viable case, they’ll take it and make it happen for you as they did me.
My experience with Dell & Schaefer was wonderful. I don’t think that my disability would have been reinstated if it hadn’t been for this firm.
The attorney that handled my case was very nice and even though I called a lot he still answered my calls and questions.
Working with Stephen and Greg was a wonderful experience. I was initially very hesitant to speak with a lawyer, but Stephen and Greg made the entire process easy and with as little intrusion into my daily life. They were quite reassuring and made sure that I was fully informed about the process and how things would play out. I can’t imagine a better outcome.
Before my disability, I was an attorney with a successful energy and telecom practice. I know what it means to provide quality legal service: it entails expertise in the area(s) of law in which the lawyer practices; zealous advocacy on behalf the client, subject always to a professional tone and demeanor; objectivity and considered judgment; responsiveness in real-time; and last but not least, a great staff.
Steven Dell and his firm have demonstrated all of these qualities. They’ve been with me since the beginning, and nothing they have done has ever caused me concern. Quite the opposite. On my behalf, they take care of all communications with the disability insurance carrier and provide me such other expert advice as I have needed over what is now a five-year period. When you no longer have good health, I have found it to be a great relief to have them deal with the insurance company and to know I can rely on their wise counsel.
I also appreciate the firm’s technical sophistication. We communicate chiefly by email, which is not only efficient but less intrusive. When I’m having a particularly bad health day, I can always get to their emails after the storm has passed.
Anyone with claim with their disability insurance carrier would do well to hire Steven and his firm.
Right from the start, Attorney Steven Dell was caring, patient and straightforward. My case was complex, both in terms of my medical condition and the carriers involved, and Steven set my expectations appropriately, and then worked tenaciously to secure an outcome that far exceeded those expectations.
Professionalism, integrity and breadth of knowledge are the standout hallmarks of Dell & Schaefer. But to me, it was Steven’s willingness to listen to and respect my thoughts and opinions, and work with me as a partner, that truly sets them apart from the competition.
Through my experience with Dell & Schaefer, I cannot think of a single opportunity for improvement.
I first heard of Dell & Schaefer through the internet. Their reviews were very solid. I also asked several people who had experience with disability claims about who they might recommend. Greg Dell kept coming up. Finally I asked my financial advising firm in Dallas who they knew and got the name Greg Dell. So I felt pretty good with recommendations from all over the country. I spoke with Greg on the phone and he was very informative and felt he could help me with my case. He walked me through what documentation was required and what to expect from his fees and time and what to expect from the insurance company.
The process was difficult to go through and at times he had to act more as a psychologist than a lawyer with me as the insurance company fights these types of claims formidably. He handled the claim extremely well and I recommend his services highly. He appears to be well known in the insurance industry and that helps as they know he is thorough and tough.
Tough thorough lawyer that understands the process and will head off problems before they become an issue. Honest and upfront about billing. Did not receive any surprises. Very quick to respond to issues and communicates well with clients.
Working with Dell & Schaefer overall was a very pleasant experience. Once I contacted the firm and agreed to representation all of my worries and concerns were handled by the firm. I did not have to deal with the incompetent and deceitful tactics of my policy holders any longer. Dell & Schaefer handled everything; contacting my physicians and putting together all necessary documentation to appeal my denial. I was able to than concentrate on my health issues.
There was minimal contact between Dell & Schaefer and myself. I placed the case in their hands and waited patiently for them to fight for me. Within weeks of submitting my appeal the insurance carrier reversed their decision. Everyone at Dell & Schaefer are extremely professional and compassionate. Whenever I had questions and or concerns they always responded promptly, professionally and compassionately. I am very thankful I turned to Dell & Schaefer in my hour of distress and frustration. I will continue to retain their services to ensure my rightful benefits.
I would recommend the Attorneys at Dell & Schaefer because they are professional, fair, compassionate and successful.
Too many times people complain about bad service, but I like to make sure good service gets recognized!
Rachel Alters and Kathleen Bordes have been very kind and patient with me through my lawsuit process. I have had questions understanding the how it works and they have never made me feel rushed or unimportant. Actually, it’s been the exact opposite! In the midst of dealing with the stress of my own serious health issues and recently my father being diagnosed with stage four cancer, it’s been a relief having Rachel and Kathleen on my team. They are a pleasure to work with! I will definitely be recommending your office to others.
My employer offered both Short Term Disability and Long Term Disability insurance as optional benefits among others. The premiums were significant, but since they could be payroll deducted I felt they could be reasonably managed and the security of continued income in the event of a medical disability was well worth the investment. As with the purchase of a first aid kit, most would prefer never having to use it.
I have been very fortunate to have had few illnesses or injuries throughout my life and more specifically my 45 year career as a healthcare professional. It wasn’t until early in 2012 that I was diagnosed with a chronic, progressive disease of the eye. Symptoms were minimal at that time, though regular visits to a retinal specialist, including regular therapy by ocular injection, were necessary to slow its progression, the symptoms did not appreciably interfere with my work. In spite of my treatments the condition continued to progress. In early 2014 the symptoms began to interfere dramatically with my day to day duties. My job required significant computer use and the reading of copious amounts of medical documentation. It became evident to me that I could no longer meet the expectation of my management and clinical position without working frighteningly long hours and enduring the relentless eye strain and other symptoms related to the illness.
Though I had always planned for eventual retirement from my full-time position, like most professionals I had hoped to be able to continue to practice my profession on a part-time basis throughout my retirement as long as I remained competent and able. That was not to be. Thankfully, I had the foresight to elect the disability benefit options offered by my company and have the premiums payroll deducted for many years. I notified my supervisor and HR representative that I had to stop working due to my condition and proceed with the disability application process.
All went very well and after using up my accrued vacation and sick time, my short-term disability benefits commenced. Since my condition is progressive and incurable I felt secure in knowing that once my short-term benefits were exhausted my benefits would continue under the long-term policy. However, much to my surprise, after receiving about a month of benefits I received notification from the insurance company that a decision had been made to terminate my benefits due to lack of objective medical evidence to support my claim, though significant documentation had been provided by my retinal specialist.
I was bewildered and unsure of how to proceed with an appeal of that decision. Since I had 180 days to do so, I decided to research the matter thoroughly. In spite of my being a veteran healthcare professional everything I had been reading on the subject cautioned about attempting to proceed with an appeal on my own. Legal representation was highly recommended.
I then began a review of local attorneys, hoping to find one that provided enough documentation on their website that indicated experience with non-social security disability related cases. I was also interested in seeing evidence of some experience with disability cases related to diseases of the eye and resultant vision impairment. I was unsuccessful.
So I expanded my search to include national law firms. It was then that I discovered Dell & Schaefer. After thoroughly reviewing their website, watching many of the video discussions, noting experience with vision related cases, particular documentation related to the insurance company that handled and then eventually denied my benefits, and reading a significant number of testimonials, I decided to request a free consultation as advertised. It was one of the best decisions I have ever made.
After that consultation, I was very confident that I was in very skilled hands which alone reduced my anxiety level immensely. Attorney Alexander Palamara and his Legal Assistant, Kathleen Bordes, immediately began managing my case, their professional expertise clearly evident.
They worked closely with my retinal specialist, my optometrist and the insurance company in compiling the medical documentation necessary for a successful appeal in an amazingly short period of time, keeping me fully informed all along the way. Shortly after being notified by the insurance company that my benefits would be reinstated and paid through the full term of my short-term policy I received a lump-sum payment.
Once the short-term disability appeal was successfully completed, Alex and Kathy immediately addressed the long-term policy benefits. Again in a remarkably short period of time I was granted those benefits, receiving a lump-sum payment for benefits to date and will receive a payment monthly going forward per the terms of my LTD policy.
I am extremely pleased with how my case was handled and the very favorable outcome. Alex and Kathy were a delight to work with and extremely professional in every way. Incidentally, the fee I paid to Dell and Schaefer for their incredible representation was very reasonable and very well earned.
I highly recommend the services of Dell & Schaefer to anyone who may find themselves in a similar disability-related situation.
As stated above, Dell & Schaefer, were clearly experienced in handling cases such as mine. Once I was on board with them, their professionalism, courtesy, understanding, expertise, efficiency and adherence to timeliness was all well noted Most of all, Alex and Kathy truly cared about me and my overall wellbeing with regard to this case. I could not have asked for more from a law firm and it’s staff.
I am certain that there isn’t a company or individual that could not improve in some way. However, in the time I’ve spent with this firm to date I can not think of a single example. My experience to date can be described as exceeding expectations. Thank you for that.
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!
Alex had a “never say die” attitude throughout! Dell & Schaefer were able to put together an indisputable appeal utilizing the many resources available to the firm including Medical Doctors. They have proven to me that they are in my corner everyday going forward! Worth every penny! Rates were very comparable to my local attorneys. It’s a no-brainer!
My experience working with Dell & Schaefer exceeded my expectations. This firm treated me professionally and help me resolve my case. I had peace of mind working with this firm because they listened to my cased and took care of me.
I would recommend attorneys Dell & Schaefer to anyone that is going through a disability insurance appeal. Alex Palamara listened to me and got all my information correctly and helped me win my case. I was going through a bad faith by my disability insurance but with the help of Alex and my medical records I was able to reinstate my insurance claim. I am very happy and have peace of mind knowing that these insurance companies cant just cancel me just because they feel like it.
Nothing! Customer service was great and appeal was submitted at timely matter.
My experience of dealing with The Hartford for my company LTD benefit was a nightmare from the start. Our company chose an “any occupation” clause from day 1 of disability leaving the door open to almost automatic decline. Of course, that is what happened.
I researched on the internet for days for a firm that knew ERISA Disability Laws and specialized in them. After an email to Dell & Schaefer, I received a call from an attorney named Victor the same day. After I described my occupation, he said “We have another attorney that I work with here who has helped many others in your occupation and I think he is better prepared than I to get you this benefit”. He about blew me away-sending business AWAY for MY sake? I knew, right then, that my choice of Dell & Schaefer was the correct one.
My Attorney, Steve Jessup, made suggestions and left the choices up to me-but obviously wise and proven effective means to solve a very difficult case with one of the most “difficult” companies in the marketplace.
Honestly, right now I just want to give Steve and his assistant, Vanessa, a hug and a handshake – so my suggestion is that you send them to Michigan! Just joking, of course. The biggest help was the prompt reply to emails and phone calls-even when there was no answer yet, just to know you know. That was a big “peace of mind”.
Dell & Schaefer saved my life. After receiving disability payments from CIGNA for 10 years, CIGNA decided that their initial determination had been in error. This was based on an evaluation of the file – with no personal interview of any kind – from a psychiatrist who new less about bipolar disease than I do.
With a wife and four children to provide for, I was distraught. Dell & Schaefer took charge of the mater. Although no lawyer can guarantee an outcome, as a former attorney I was very impressed with their professionalism and efficiency. On a personal level, they were very reassuring. They understood the embarrassment that comes from disclosing a mental disease, and dealt with me with courtesy and encouragement.
We prevailed over CIGNA, and I continued to have financial security until my benefits were paid in full.
I would recommend Dell & Schaefer, without reservation, to anyone who has to go up against the insurance giants.
After being denied initially, I searched our local area for an attorney who specialized in disability claims and found none. I spoke to a couple law firms that said they had “experts” in ERISA claims but after talking with them I determined they were no experts. I did a search on the internet and found Dell & Schaefer (Thank God.) After one phone call with Steve Jessup I knew that I had the attorney I was looking for. He had the “backbone” to stand up to the insurance company and was not the least bit afraid of going toe to toe with them. We won our appeal and have hired Steve to continue to represent me for help with the benefit distribution process. I highly recommend Steve and his staff.
Dell & Schaefer is very easy to work with. My attorney gave me guidance with obtaining medical support that the disability insurance companies were looking for. Alex, always kept in contact to let me know what’s going on with the case. Alex always kept me informed of my option and how he thought to proceed. I never even met my Alex in person but felt he always had my best well being in mind.
In the time of my case I worked with three other attorneys who were not as personable as Dell & Schaefer. I had let my attorney go and had a week to file an appeal and Alex took on my case.
I was hoping for some sort of settlement with my long term disability insurance company but to be honest I didn’t expect to win my case. I contacted Dell & Schaefer in hopes of at least pleading my case. Mr. Gavidia took my case and to his credit and the firm settled for an amount that was more than I expected. Hats off to Mr. Gavidia and his fine staff. Really great people, and so professional.
U.S. News ranks them as one of Americas best law firms. I agree. Without their expertise, I would not have won my case.
Dell & Schaefer has earned a reputation as a top notch law firm specializing in disability insurance claims. I understand why. My personal experience was nothing short of fantastic. I was overwhelmingly impressed with the professional manner of both my attorneys and their staff. Rachel Alters, my lead attorney, is an incredibly detail oriented and experienced attorney who specializes in litigation. She guided me through the claim process with expert precision. I was extremely pleased with every step and the ultimate outcome of my claim. All of my expectations were not only met, but exceeded. Hiring Dell & Schaefer was one of the best decisions I have ever made.
Filing a disability claim is complex. My experience indicates that having attorneys Dell & Schaefer engaged clearly improves the chances of a successful outcome.
I always had access to my attorney on a personal basis. She adviced me thru the whole process of applying for disability insurance payments. Her advise was clear and concise. She continued to help me after the initial disability claim was approved by the insurance company. The billing process from the part of the law firm was clear and straightforward. I wholly recommend the law firm of Dell & Schaefer and in particular my attorney Mrs. Rachel Alters.
Because they delivered exactly on what they promised.
Emphasize to your clients that any communication to the insurance company should go thru the attorneys first. I made the mistake more than once of contacting or sending information to the insurance company directly.
When I first called Dell & Schaefer my call was answered promptly. My attorney reviewed the details of my case and assured me that he thought they could help. All conditions were detailed and explained. Any concerns were answered promptly. When a small discrepancy arose, it was settled to my satisfaction. Eventually (it took over a year) Metlife agreed to pay the benefits. I do not believe that Metlife would have paid any benefits without attorney Alex Palamara’s involvement.
Communication with Dell & Schaefer has mainly been through email which, is my preference.
I would recommend them because they answered all concerns promptly. I also do not like wasting time on the phone and prefer email. Also, and most importantly, my case was resolved in my favor and they continue to monitor my communications with Metlife to maintain my ongoing disability benefits. I believe their fee is standard for the industry.
After being denied twice for my short term disability benefits I called Dell & Schaefer. Then I filed my appeal on my own and was once again denied.
After the denial, I then spoke to Dell & Schaefer and they looked at my case and informed me of a couple wrong doings from Lincoln Financial Group. With only a short time frame, they appealed and won my short term & 1 year back pay long-term and now I am to receive monthly payments of my long term pay.
If not for Dell & Schaefer I would not have received a dime! Thank you!
Most definitely! If I hadn’t called Dell & Schaefer I’d still be staring helplessly at my denial letter from LFG instead Dell & Schaefer got my disability entitlement.
I can’t think of anything.
Rachel, Anneli, Carolyn… They were all WONDERFUL! I never would have gotten anything accomplished without their superior knowledge and worth! I would recommend this law firm to everyone needing assistance with long term disability trials! Thanks you all!
No improvement needed.
Rachel Alters and her assistance Michal Mizrahi were a godsend. When I contacted their office, Metlife denied my appeal and I was too sick to get out of bed, let alone try and fight the a giant insurance company! I was so lost and confused, I had all of my doctor’s saying I was disabled, I was taking the medication for my disability, Metlife said they covered my illness in their policy, so I couldn’t understand what the problem was! Further more, I didn’t have the energy to try and figure it out on my own.
Luckily, I didn’t have to. From the first day I spoke with Rachel, she was my David verses my Goliath, MetLife. Having her represent me was the best thing that could have ever happened for my family. She took over all correspondence with Metlife and her team answered ALL of my questions thoroughly and promptly. They were professional, courteous, and best of all, they understood how to fight Metlife and win.
Because of Rachel’s hard work with MetLife, I was able to focus my energy back on my family and trying to heal instead of answering stupid questions and jumping through bureaucratic hoops. My settlement was above and beyond my expectation and I am so grateful that I had such an ally in Rachel Alters.
I would recommend Rachel Alters because she knows how to fight for you! Metlife is too big, too powerful, too intimidating to take on alone. I also LOVED how professional, patient, and caring the office was. All of my emails were answered within 24 hours, usually sooner. Every question I had, even if it was the same question multiple times a week, was answered with kindness, understanding, and full disclosure. I always felt like I knew EXACTLY what was going on with my case.
Maybe offer help on settlement options and taxes.
Just when I thought all hope of collecting on my LTD policy was over I came in contact with with Ms. Alters. She worked to get me a settlement that previous lawyers where unable to achieve. Ms. Alters and her staff exhibited professionalism and great knowledge of the law. I truly appreciate Ms. Alters & the staff at Dell & Schaefer!
The staff represented me and work diligently until I was truly satisfied.
As an attorney who found herself in the shoes of a litigant against an insurer on a disability policy, I found Cesar Gavidia and his assistant Michal, wonderful. I was distraught with grief over losing a child. Proceeds from my disability policy were keeping my practice afloat until the insurer turned on me and not only terminated my benefits but was demanding tens of thousands of money back. It was a terrible time for me and my family (losing our child is still devastatingly difficult). Once Cesar took my case, I was able to let him take care of the battle with the insurer so that I could focus on other issues: my grieving, my family, and trying to stay in practice. My family and I are grateful for his representation.
I would recommend Cesar Gavidia because he is bright, caring, informed, and knowledgeable. He and his staff are always professional and caring. I do not hesitate in recommending him. You will be in good hands and lucky to have him take your case.
The process seemed to go very smoothly. The attorney took care of everything. I just had to sit back and wait. I had to rely solely on the attorney and he took care of everything.
Yes I would.
Mr. Dell and paralegal Merlin Bryan are an excellent team. It was a pleasure to have them working for me under what was a very stressful personal situation. They kept me fully informed. I was completely confident that they were looking out for my best interests at all times. They were responsive to all my inquiries at all times. The fact that they achieved an excellent result is an added plus.
I would absolutely recommend Steven Dell without hesitation.
I was on disability with a major insurance company for five years without any problems, upon a field rep’s visit to my home, I let him know that I was planning to try to go back to work. I did try to go back to work but with my severe sleep apnea and depression and several medications that made me very tired, the work day became impossible, when I let the case manager know that I couldn’t work without getting very tired and having to take a nap after a few hours on the job, he told me that the claim would be reexamined. I waited 9 months without any monthly benefit benefits being paid to me, the company gave me several excuses and I was in a real pickle, I researched disability attorney’s since I was in the insurance business and was told that the very best in the business for representation of my issues was a firm called Dell & Schaefer.
I reached out to the firm and was put in touch with an attorney named Steve Jessup, from that point forward, my problems seemed to fall off my shoulders and into the firms hands, I can’t explain in words what this firm did for me and my family.
Steve Jessup & Gregory Dell began working on my case immediately and I felt confident with every action they took. The insurance company as most wanted to settle my case for pennies on the dollar, but with the skill of the two attorneys, I was able to settle my case for a once in a lifetime lump sum payment from the disability insurance company that will take care of me and my family for life. All I can say is that these guys were like a machine grinding away in the trenches agains the insurance companies attorneys and getting me a great settlement. I would highly recommend this firm for anyone who felt like I did up against bad odds with a large insurance company and no where to turn to.
The best experience I have ever had with any attorneys…
Being disabled is difficult on many levels so the importance – and peace of mind – that comes with having advocates and advisers who not only provide legal expertise and assistance but also genuine care and support is quite literally invaluable. Having attorney Rachel Alters and her paralegal Anneli DeCardenas to help deal with complicated insurance issues has been a true blessing that has made this unfortunate period of my life so, so much easier.
They are not only experienced, talented and incredibly responsive professionals but they have always made me feel like a person who matters and not just a client to be dealt with as part of a daily to-do check list. I’m not someone who usually provides references but I really can’t say enough to express just how wonderful these two incredible women are or how grateful I am that they are on my side.
My experience with Dell & Schaefer has and continues to be, outstanding. First, I would personally like to thank Cesar for his experience and expertise in handling my case in addition to his wonderful “legal – eagle” assistant Michal. All communication was handled as though he was across the table from me as he was consistently available whenever I needed him to explain the process and steps regarding the awarding of my LTD benefits that were denied after my in-house appeal.
He was ON MY SIDE the entire time and believed in my case from the beginning and fought for it. I am extremely happy and satisfied with the outcome and if it weren’t for him and his team’s efforts, persistence and preservation, I would have given up. Please do not engage in a LTD denial alone without contacting this firm. They will not sugarcoat anything and they are honest and their integrity is impeccable. You are not alone. They are here for you and I am so glad I made the phone call. Again my deepest thanks to Cesar. You and the Dell & Schaefer team have unlocked the bars of cage I thought I was in.
They are the BEST at what they do and the most knowledgeable of the LTD laws and regulations. They know what it takes to conquer the giants. As they say – “Whatever it takes!”.
My experience could not have been better. I was instantly made to feel and to know that my best interest was important, that I would be informed of all development in the process and that I retained the final decision which was important. My case was favorable, quite frankly it went better than what I had expected. I am grateful.
Because I am very confident that if this firm take on a case, that the odds of a successful outcome for the client will be highly likely. The Attorney(s) are very professional and truly care about helping those of us that are in need of help.
I have only words of wisdom to offer. Continue to embrace your passion, acknowledge the gift and see the grace.
Desperarate & feeling like I was on a raft floating farther… out to sea. By the time I was diagnosed (it was close to a year) with fibromyalgia. I was in so much pain “ALL” over my body, feeling desperate for relief of my pain and the feeling of foggy headed (foggy headed is one of the conditions of Fibro). I wasn’t getting better instead my pain was getting worse. I was thinking about my career that I worked so hard to get where I was. I more than missed and loved my career.
My husband used to say that I loved my career more than him (so wasn’t true) but, I would do things like cancel a trip (40th birthday trip) in order to get the job done at work/make it happen (New Home R/E Sales). My career was a “very” physical and also required to be mentally sharp at all times.
What I thought at the beginning of feeling ill was going to be out from work for maybe a few days to a week, didn’t happen. Then I got to the point of being out from work for a year and realizing this was going to be a challenging and long road. In dealing with the short/long term disability company was getting to the point I couldn’t handle it. So… I got on the computer when I had short breaks from being foggy minded (took weeks of searching). So the search for someone/company who could take the challenge to keep up with the demands of paper work from the disability company with my short/long term disability company and who was successful at fighting this kind of case and with my medical diagnoses of fibromyalgia (I had been denied after the first few months of short term disability). I found Dell & Schaefer Law Firm who had a successful out come with not only the disability company that I had but, also against working with a fibromyalgia case.
I am blessed to have come across Dell & Schaefer and then I was blessed to have/be working with Rachel Alters! I found it was/hasn’t been easy in any way to deal with a case of fibromyalgia but, I am so more than happy I have/am working with Dell & Schaefer “Rachel Alter”. If I was up to it (not with fibro) I would be dancing all night long celebrating (I loved to dance all the time before fibro)! The many… appeals, time and all the hard work it took, my/our case has been over turned! I was caught off guard when I received the call from Rachel Alter! When I answered it I was thinking we were needing more documentation or another specialists to state where I am with my illness but, I got the best news in years and I just started crying out of control with tears of happiness! Tears of happiness have not been a part of my life in many years. Yea!!!!!! FYI… This was a challenge for me to write due to not being able to sit or type due to my pain of fibromyalgia but, so worth sharing my experience with choosing Dell & Schaefer “Rachel Alter & Team” ! Again… I am so blessed to have contacted Dell & Schaefer!!! Thank You Dell & Schaefer “Rachel Alter & Team”… :-)
I would recommend Dell & Schaefer “Rachel Alters my Atty” for many reasons… Top reason is Dell & Schafer is the Best to work with & especially when you are not able to get a positive out come of winning a more than great challenge (I did try to handle it on my own with just getting denied over & over again and dealing with the disappointments and frustrations of losing each time trying so hard to get a winning out come). All the communication between Rachel and her team was always a positive look at pushing forward and gave me always the confidence in Rachel and her team. It is a great thing when you know they are not going to stop at a denial. The challenge of a denial to come out with a winning case !
I contacted Dell & Schaefer after a second denial by my disability insurance company. Initially, I approached the insurance company by myself and my case was denied. I then hired a lawyer who had convinced me that I have a good chance of winning but that she was willing to take my case only on an hourly basis. I felt that I had no choice and I took the chance. Not only that my second appeal was denied (again!) but also I ended up paying double the price that I was offered in the quotation while I received a very poor service from that lawyer.
At this point I was about to give up. What gave me the hope and the power to proceed forward to another appeal was a phone call from Rachel Alters who contacted me immediately after I have filled an online form requesting a free consultation with Dell & Schaefer attorney. It turned out to be a very good decision!!! In relatively short time, I finally received my benefits for my disabling condition. Benefits that I was about to give up. Not only that Rachel and her paralegal, Danielle turned out to be super professional, practical and dedicated, they also did everything in a very pleasant way and invested any needed time and effort in responding my questions or any related issue of my case.
My experience with Dell & Schaefer was beyond expectation. I would not hesitate to recommend this firm as they are highly knowledgeable on the law and are very professional. I wish I would have found Dell & Schaefer sooner than I did.
My experience was great. My attorney treated me with respect, kept me informed, and acted in my best interest.
They are experts in what they do, professional and respectful.
My experience of working with this firm was incredible! I can’t begin to tell you how easy it is to talk with these guys. I personally had Stephen Jessup assigned to my case. Stephen explains everything very well. He reviewed my case. He explained my options. Absolutely no pressure one way or the other from Stephen. I felt Stephen cared for me, my situation and worked through my case in the same manner. He answered all calls and my emails every time and unbelievably quick! Also, the secretaries are nice and wonderful. I felt that I was “in the loop” the entire process.
My case was a LTD with Cigna. I was on STD and then LTD for two years. All I can say is that I was very happy and grateful on the process and my outcome. Stephen is a great negotiator and can make things happen and DID!
I would recommend this firm to anyone who needs great help. I worked in a District Attorney’s Office as a Criminal Investigator for most of my law enforcement career. I worked around attorneys on a daily basis (mostly criminal cases). I can tell you that there’s no one who didn’t trust and have reserves more towards attorneys than I did. BUT, these guys are super honest, caring, hard working, ethical and stride hard to help you with the utmost Integrity. I wouldn’t want anyone else other than these guys!
I can’t think of anything on what you guys could improve on. I love the videos on your website. It helped me a great deal. Matter of fact, I made my decision on calling you guys based off the videos.
I had a very positive experience working with Dell & Schaefer. While attempting to handle it on my own, my long-term-disability claim had been denied two previous times. With Attorney Alter’s help, I was able to obtain a settlement I never would have been able to get without her assistance.
The service I received was prompt, professional, and thorough.
Alex Palamara with Dell & Schaefer, is an OUTSTANDING disability lawyer that you can TRUST without question. My entire experience with Alex Palamara of Dell & Schaefer was professional consulting at its best. With Dell & Schaefer you do NOT need to leave your home (I am in a wheel chair, travel is difficult) and you can have the best-of-the-best, on your side which is crucial while engaged with gorillas of industry like Cigna.
My experience with Alex was all-digital; we communicated through email and telephone from start-to-finish. Prior to securing representation from Alex, I was a mental “wreck” with anxiety constantly pondering “what-to-do…”. A never ending quandary. After receiving FREE initial consultation, I quickly understood it was a “no-brainer” to have Alex represent me, I secured Dell & Schaefer. My stress levels were reduced immediately and significantly. Alex became my single-point of contact, Dell & Schaefer managed everything for me. I am still amazed at how smooth the entire process was handled WITHOUT ever leaving the comfort of my home.
In retrospect, I would recommend Attorneys at Dell & Schaefer for many reasons. The most obvious: you can trust them and they are well respected due to deep knowledge of disability insurance settlement experience. They know what you do not. You will not be pressured one way or the other, all potential options will be presented and explained, then, you decide.
In my case, no improvement is necessary. My experience with Alex was beyond expectation.
Hi, it was a pleasure to work with Cesar, he was very honest and worked extremely hard on my case. I can’t say enough good about my experience with your law group. Thank you Danielle and Cesar!
Very thorough, honest and upfront about all aspects of your case. I had total confidence in Cesar and would recommend him to anyone.
Not a thing!
Gregory Dell has saved my family from bankruptcy. I got sick with Vasculitis and had to undergo 4 years of chemo treatments. I worked during this time as pharmaceutical sales rep. Finally my doctors said that if I did not go on to disability I would die. I went on disability and my company rejected my short term disability. I was in the hospital at the time of the rejection and was not given much time to respond. I live in Hawaii and could not find anyone that would go against my company. They were very big and scared all the attorneys off.
Greg took my case immediately. He got me paid and short and long term disability. After a few years Cigna did a ridiculous review of my claim and said that I should be able to go back to work. At the time I was denied I was currently in a wheelchair and on massive doses of morphine. Vasculitis destroyed all my nerves in the legs and arms. They dropped my long term disability. Greg again went back and fought for my disability and won. My family would be completely bankrupt without Gregory Dell. My doctors said with the stress from all this fighting for my rights has cost me years of my life. But I would not have made it without Greg, Michal and team. Money is not everything but when you are sick fighting to pay your bills and insurance companies really takes a toll. I have recommended Greg and his staff to other disabled persons. I think they are the best. Thanks for everything. You have allowed me to focus on what is important staying alive for my family.
They are the best at getting results. They take it personally not just a job.
Alex helped me and my brother for multiple cases in the past five years. He earned my trust and confidence through his hard work, attention to detail, well thought plans and advises, I see him cumulated great experiences.
I continued seek his advises and he always respond right away.
Alex is the first person I would call for help when I am in need again or anyone I know seek referrals.
I have great experience working with Alex. Alex is a very talented attorney, a sincere person, and a hard working professional. He cares for people who is in need of help.
I can not point out anything for suggestion for improvement after saw him grow and mature in his field in the past five years.
“Whatever it Takes”, and you can take that to the bank, as I did. I was declared disabled in March 2010 after unsuccessful Back surgeries, CSC Implants, numerous other treatments, all which failed. I was (and still am) in constant pain requiring medication therapy and managment. June 2012, after receiving my benefit for 18 months I received a letter from my CIGNA case worker stating I no longer meet the contract definition of Disability. Therefore they stopped my benefit immediately. My numerous attempts at trying to resolve my Reinstatement Request was bogged down with hidden agendas, request for test after test, loosing documents from critical doctors supporting my claim, never returning my calls.
I contacted Dell & Schaefer, Alex Palamara, for a free consultation. He replied the same day. We spoke briefly and set an appointment the following day to pass detailed information. I faxed to him all supporting documents. In the beginning I was sceptical. But after a few weeks I could sense that they were a no BS organisation. I began to feel like they were really working hard for me. Throught the somewhat long process I was very impressed with the way they handled my case. They kept me informed of all issues via Email or calls. Never, never, did Alex (Mr. Palamara) or any of his staff fail to reply within 24 hours and usually within the same day to any of my request. I can’t say enough about the professionalism, courtesy, care, with the way they handled my case. My long hours of research have lead me to believe that Dell & Schaefer are by far the LTD hardest working informed agency out there. And, they would prove me right: as just recently I received a letter from Alex Palamara, forwarded from CIGNA stating a full reversal of my claim to begin immediately with full back pay and monthly benefits.
I cannot thank Alex and his staff enough for the fight they must have endured from CIGNA’s attorneys.
ABSOLUTELY! Dell & Schaefer’s commitment, professionalism, honesty and communication is undeniably the best I’ve experienced.
Nothing! Keep up the great service fighting for the people getting caught in the LTD agendas of the Insurance companies. And, open more offices around the country possibly giving you services to more people.
Professional, Courteous and Prompt.
They have proven that they are honest and sincere. Dell & Schaefer are my representatives until my L.T.D. insurance policy has expired. Thanks!
Don’t change a thing, you are already winners!
I contacted Dell & Schaefer for assistance with an LTD claim. Jay Kanter handled my case and was not only diligent but also brought a lot of knowledge and experience that ultimately made the process go as smooth as possible. There was communication throughout the whole process and all of my questions were answered as he was supportive and totally understanding of my situation. The paralegals who worked with this case were also excellent. I felt supported and would recommend this firm to anyone. I am most certainly glad I reached out.
Yes, as they are very responsive and knowledgeable. Jay Kanter and the paralegals do a great job in understanding how claims work and how to proceed. They take into consideration all factors and work hard to handle what is necessary during the entire claims process. I felt as though they went above and beyond.
Keep communicating with the clients and and keeping them in the loop throughout the whole process.
From the first conversation I had with Steve there was a level of confidence that I heard in his voice which calmed my initial hesitation of calling for legal assistance. During the entire process, Steve, Danielle and others at the firm kept me informed and encouraged every step of the way. Without his knowledge, experience and determination to fight for me, I would have been another unfortunate statistic that lost their long term disability benefits. If you are in need of an advocate to fight for your rights, call Steve immediately. I guarantee you will not regret making that call.
Dell & Schaefer proved to me that they can “walk the talk” when it comes to representing someone that a long term disability provider said was no longer eligible to receive their benefits. I believe this firm does indeed defend the rights of those that genuinely need their LTD benefits to live a respectable life.
Keep doing what you are doing! Your communication with me was exactly what I needed. I don’t believe you can over communicate with your clients!
It was a pleasure working with Dell & Shaefer. Mr. Palamara was very professional, courteous, and respectful of my situation. He worked quickly and efficiently to resolve my disability dispute with a positive outcome. The paralegal, Danielle, was extremely helpful and polite.
The firm of Dell & Schaefer was responsive to my request for assistance in obtaining the disability claim owed to me. I have only praise for their help in resolving my situation. Thanks.
They done more for me then anyone else could or would have done.
Because when it comes down to it they get it done! When most just scratch their heads.
First of all, may I say this: if you are a professional and find yourself in the unfortunate position of having to file a claim against your disability carrier – do not try this on your own! HIRE A PROFESSIONAL! This was advice that I was given and I am very great full I was smart enough and followed it. Your next decision is whether to hire a ‘disability claims consultant’ or an attorney which specializes in professional disability claims. I decided upon the later. The reason being an attorney has ‘power’ and ‘authority’ and actually ‘represents you’. He/she has authority (power of attorney) to actually communicate with your insurance company and do ‘Whatever It Takes’.
A disability claims consultant does exactly that… they ‘consult’ with ‘you’ (not the insurance company) and make recommendations… they tell you what to do. Mr. Dell actually told my insurance company that my claim was legitimate and justified and that they were simply going to pay my claim.
If you have not decided yet… please listen to me. You are about to step on the field with Goliath. You must never forget that these insurance companies are good… very good. They know what they are doing. All day long claims adjusters look for ways to deny claims. They know all the tricks. You are going to need much more than a rock.
It has been my experience that once you call your insurance carrier and tell them you are sick, or injured you are no longer a ‘asset/client’! You now become a ‘liability’. Your insurance carrier knows that they will never make another dime from you. From now on you will only cost them money… perhaps for the rest of your life. Personally, I will only place my families future in the best hands. I did my due diligence. Gregory Dell was certainly not the first attorney I called… he was, however the last. I live on the west coast and Attorneys Dell & Schaefer have their main office on the east coast (3 hour time difference). I received a return phone call from Mr. Dell on Friday night at 10 pm (PST). These people are serious when they say “Whatever It Takes”! If you are just entering this horrible world of dealing with disability insurance companies you will soon find that your whole world is turned up side down. It is one of the most stressful experiences of my entire life. You feel as if you have lost total control of your life and future. From my first phone conversation with Mr. Dell I knew I was in good hands. He ‘held my hand’ throughout this whole ordeal. The staff, from Merlin to Liz is extremely well trained and they know what they are doing. Phone calls are almost immediately returned. Emails, faxes, questions… all answered when they say they will. With that said, I did not need a friend… I needed an advocate. I needed someone that was going to see to it that everything was done appropriately and that my case was approved. My wife and I will never forget the moment, about 11 weeks later, when Mr. Dell informed us “I have authorization that your claim was approved”! Dealing with this stuff is still a horrible experience. Having Attorneys Dell & Schaefer on my team made it much bearable.
Actually, I can not think of anything you could have done different or certainly better. You did what you said you would do. Although you could not guarantee claims approval you certainly instilled confidence. My case was approved in about 11 weeks so I see no way you could improve unless you got my case approved in less than 10 weeks. But I’m happy with 11.
Despite the fact that I work at a law firm who handles different types of cases, I had an incredibly difficult time finding a firm that would take my disability case against Northwestern Mutual. I was so pleased when Dell & Schaefer agreed to represent me. This has been an extremely stressful and difficult time trying to receive the benefits which I was owed, while also dealing with serious medical conditions and physical limitations. My main diagnosis is fibromyalgia syndrome, which has completely changed every aspect of my life. I could not ever have imagined that I would be so lucky as to find such a firm as Dell & Schaefer and an attorney like Alex Palamara.
From the very beginning, he and his staff were so very helpful, knowledgeable, kind, understanding and committed to me and my case. I have now learned that disability cases against private insurance carriers are very different than a social security disability claim. I had to completely rely on Alex Palamara’s professional knowledge and experience with my case. Alex, his firm and his staff went above and beyond to assist me in every way. They were very clear in explaining these types of cases, and my case in particular. Working in the legal field as a secretary, I know how frustrating it can be for clients when they don’t have regular communication with their attorney, or have questions that need to be answered.
Alex always immediately responded to me and answered every question I had. He also always made sure that I was given any update or new information regarding my case. I could not be happier with the representation I received from Alex Palamara and everyone at Dell & Schaefer. From the very beginning, through and including mediation, Alex was completely prepared regarding every aspect of my case, medical condition, limitations, extensive documentation, and my situation in every way. I truly do not know what I would have done had I not found Alex Palamara and Dell & Schaefer to represent me in this matter. I normally hesitate to recommend a professional to others, but not in this case. I would very highly recommend Dell & Schaefer, and especially Alex Palamara, to anyone with a disability claim in need of representation. Despite the awful personal situation that brought me to Alex and his firm, he and his staff made it as stress-free as possible, and brought my case to a close in a professional and respectful manner and timeframe.
I would recommend them for their extensive knowledge, experience, communication, professionalism toward their client and all parties involved in a case, as well as kindness, patience and putting their client’s best interests ahead of anything else.
Based on my personal experience, I cannot think of one thing that needs improvement.
Thank you very much for taking the time to talk to me today about my sister. I want to say how refreshing it is to speak to someone who so obviously has an interest in helping people and views his client relationships as long term. I am very impressed, and will not hesitate to recommend you to anyone I come in contact with who may need a disability insurance attorney.
With much confidence and thanks, my attorney Alex Palamara took the necessary time to understand all the key facts about my case and were able to present the best possible winning argument. Alex provides to his clients professionalism, persistence, excellent communication, kindness and a winning legal expertise. I highly recommend his services. Thanks again Alex!
They help their clients.
My Attorney in NC referred me to your group. Steve has been great! We correspond via e-mail and he answers my questions so quickly. I’m a night owl so I send my emails late at night and by the time I get up he has already emailed me back. He has been so understanding of this hardship and moving as quickly as this stuff allows. His knowledge base has been great and he can break it down to my understanding. Happy Unum is having to pay something and he has got the job done.
They have helped me get what I was due.
I can’t think of anything!
Mr. Jessup and Ms. Arriga were great. They organized all my medical records and physican statements into an appeal package, and presented a strong case to Cigna. As a result of the package and their hard work Cigna had no choice but to reinstate my disability payments.
I want to say thank you to both of them, my wife has been very sick with cancer for the last year and her condition had really got worse since November. This is going to reduce a lot of stress on both of us and allow me to concentrate on her care. The firm is very lucky to have you working for them.
Yes I would recommend your firm to anyone needing help fighting the big companies.
I had an amazing experience with Dell & Schaefer. The people I worked with were all interested, compassionate and extremely thorough. I had been receiving disability benefits for two years when my disability company decided to cancel my claim. I was very scared and was balancing dealing with my illness along with the loss of my benefits.
In a relatively short amount of time, my attorney was able to get my benefits reinstated. Also, Dell & Schaefer has continued to be supportive and proactive, ultimately helping me not to feel as bullied by the big insurance companies whom, I feel, treat me as a felon for daring to be sick.
Not only is Dell & Schaefer one of the leading firms in the business of disability insurance claims, I never once felt like I didn’t matter. They were supportive, compassionate, and took the time to listen to me – a thing that the large insurance companies who cancel benefits never seem to do.
I think Dell & Schaefer did everything they set out to do. For that I’m grateful. I only wish that the firm would revisit a class action law suit against the bullying tactics of the big insurance companies that cancel benefits without cause, overtly lie to their clients, and torment those who are ill – all in the name of money. I fully understand that there are those who cheat the system, however, when you are dealing with private DI insurance, you’re also dealing with a level of individual who would, more often than not, value their work-life and not want to be disabled.
Alex was a wonderful attorney. He was very professional, understanding and willing to go the extra mile to get me what I deserved. I would definitely recommend him to others in need of his services.
I would recommend this law firm because they are professional attorneys, no beating around the bush. They deliver what they promise.
I am a long time private practicing dentist that was stricken by a sudden and severe neurological condition, which presented with very subjective symptoms. For 6 months I resisted filing a claim due to the difficulty in verifying the presence of the illness let alone its severity. However after being recommended to Dell & Schaefer by a colleague, and consultation with Steven, I went ahead, be it with a guarded optimism.
Mr. Dell’s advice and guidance was critical in achieving the successful outcome that we did. I originally thought to “go it alone”, but in hind sight there were multiple considerations that I would have certainly missed had it not been for Steven’s acumen and experience.
Mr. Dell and his team far exceeded my expectations in every capacity. He was focused, clear, responsive, efficient and above all exceedingly knowledgeable.
I would highly recommend him to anyone seeking similar counsel. I truly feel that I could not have been better represented.
Being very ill is extremely difficult for anyone to deal with. But trying to focus on health issues while navigating all of the complexities of STD and LTD really makes a bad situation worse and more stressful. I spoke with many lawyers before I was connected with Dell & Schaefer and they were the first and only ones to take the time to truly listen to my history and make the sincere effort to understand my situation. After that, they – specifically Rachel Alters and her brilliant team of professionals – did everything they could to support and champion my case – from dealing with insurance companies to speaking with my doctors.
Rachel and her colleagues helped me when I most needed help and continue to check in on me which is wonderful. As their client, you are not just a numbered file – you really are treated as a person who matters and their care, concern and consistent follow-up has made this challenging period in my life much, much easier.
The value of the personal attention, professionalism, friendliness and sincere care I have been shown by the people at Dell & Schaefer can’t be overstated – they are always timely in their responses and despite the fact that I live overseas, have not hesitated to call me as needed. I suppose the most basic reason I would recommend them is that I trust them – they have done everything they said they would to help me and did so in a way that makes me feel like someone who maters to them; not just a case file.
My experience working with Dell & Schaefer has been excellent. Almost immediately, my disability payments were restored while more tests are performed and records gathered. My case is well represented now, and I am confident that my claim will continue to be approved. Having the right lawyer has allowed me to focus on my health and getting well.
The specialization in disability cases gives Dell & Schaefer an edge over other firms.
Alex did a great job on my case with Unum and always was on top of everything. Couldn’t ask for any better job.
I found Rachel to be a pleasure to work with. She was open and honest with me from the start regarding the expectations of settling my claim. Once the initial offer was made she kept constant communications with me to assure I was aware of the progress with the negotiations process.
Not only did I find this firm to be professional but the time frame in which they reached a settlement for me was beyond my expectations.
I have absolutely no suggestions for improvement nor any criticisms related to my case.
They kept me on top of my progress throughout the process.
They got me the settlement I asked for.
My experience with Dell & Schaefer began after a prolonged and frustrating experience with my disability carrier subsequent to contracting an illness which left me incapacitated. As a few examples of the frustration I am referencing: I had been accused by the ‘doctors’ appointed by my carrier to review my case as being a narcissistic fraud; the carrier sent a man to my home in the country unannounced to interview me (while I was not there but my wife and small children were); the carrier seemed to be fighting my doctor’s diagnosis and statement regarding my disability and illness; the carrier was not communicating well with me and was being cryptic with responses to legitimate questions.
I finally was so stressed from what should have been a simple process, and exhausted from the emotional and mental toll of filing a claim, that I was about to give up in the interest of maintaining what little health I had left and not wasting it fighting my carrier. I reached out to Greg Dell and he immediately set up a time to talk with Stephen Jessup and himself. I told them I just couldn’t keep managing the process – that the fight was taking its toll and I was inclined to either ‘tap out’ or quit altogether. After reviewing my case they were more than happy to drive their tank into the battle which I had been fighting with a handgun (Mr. Dell’s example). I signed with Dell & Schaefer, and suffice it to say this ‘tank’ comment seems to have been true as the very same day my carrier received the letter from Dell & Schaefer saying I had engaged their services is the same day my claim was approved.
I was curious to see how service would be after they had me contractually obligated to them. I have been impressed on this front as well. Every effort to correspond receives a response within 24 hours. Mr. Jessup is my primary contact and I have received more than one personal note from him encouraging me as I battle my illness; I believe that he really does care beyond just the financial interest the firm has in my case. On the business side of my interaction with them, I have been impressed with the thoroughness and timeliness of all responses – no matter how unimportant they might seem to Mr. Jessup. On the occasion when a question is more administrative in nature and Mr. Jessup or Mr. Dell need to defer to one of their staff, the staff is equally as timely and thorough and professional in their responses.
The stress and frustration of dealing with my carrier are gone; this benefit in and of itself is priceless. To add, I feel the benefit I gain from having Dell & Schaefer as my advocates makes their fees seem to be an excellent value.
Professionalism, ability to deliver on their promises.
Very professional and personal for the difficult path that comes with disability issues. Mr Kanter is not only knowledgeable in this field but extremely interested to see you receive what you deserve in disability issues. Overall I give a 10/10.
Great firm all around.
My experience was good. The staff was dedicated to the client. Attorney Palamara made sure all my questions and concerns were answered.
Dependable and Dedicated. Service in a timely manner.
When I first called Dell & Schaefer from half way across the country, Steven Dell called me backed and he took my case very seriously and acted quickly to help me apply for benefits. His work got me the benefits I deserved. When I stopped getting benefits because the insurance company thought they no longer had to pay them, Steven Dell appealed the decision in a timely fashion all the while reassuring me as I panicked. His knowledge of the law and of my policy made my appeal very strong.
When they denied my appeal he was immediately on the phone with the attorneys for the insurance company and with very strong arguments, he negotiated a significant settlement for me. All during this time he responded to my emails and phone calls in a timely fashion and he was able to reassure me regarding the time that the process took. His staff was also very pleasant and helpful, especially Merlin.
I have really come to respect Steven Dell’s abilities and his integrity. My only regret is that I have never met him in person and have not been able to shake his hand and thank him for all he has done for me.
Can’t think of any way you can improve.
Two days before Christmas, I received a call from MetLife Insurance. The woman stated to me, that my disability insurance, that I paid premiums 11 years through my employer was ending. She stated to me that the decision was for me to return to work. I was so upset and throughout the holidays, I spent crying. I knew I had been found disabled by the SSDI and I am in no way able to return to work. I also knew what a strain this would be on my husband, my losing the benefits per month. We were struggling trying to get used to me drawing SSDI and not my normal salary as it was. I contacted Dell & Schaefer by email and by phone and I spoke with Attorney Alexander Palamara with Dell & Schaefer. He advised to fax all documentation I had, and they would set up a conference call. After a conference call was held I decided to hire Alex and sent him back a signed contract. All done over the phone and fax!
My appeal was submitted timely and after a small delay with Metlife, I received word that my benefits have been reinstated! I have Mr. Palamara and his assistant Ms. Danielle Lauria to THANK for the quick, timely and efficient way, in which they handled my appeal.
I can’t thank Dell & Schaefer & their Associates enough. Maybe now, we will get our lives back to some normalcy. I am so glad I found their website and all the reviews I read were wonderful, that is the reason I chose Dell & Schaefer.
Again, thank you for a job well done!
Quick, timely, and efficient. I was treated with respect and thoughtfulness. I did not have to meet in person. My case was handled on the phone and through fax. I would whole heartedly recommend Dell & Schaefer and Mr. Palamara!
Honestly, I can’t think of ANYTHING, that needs improving. THANK YOU!
I loved working with Steve! Not only was he professional and knowledgeable but he also was kind and compassionate and really made me feel like not only my case mattered but so did I. I can not say Thank you enough for all you did and also a special Thanks to Michal she was also very kind and always made time for me. God bless you both!
You bet I would!
Honestly nothing that I can think of.
My disability insurance company gladly cashed the premium checks for 16 years, but turned a blind eye to my multiple medical disability claims. Being unemployed in constant pain for well over a year and having spinal surgery for the condition didn’t impress them, they ended up ignoring me.
Having never been in involved in a contentious legal case before, it was clear I was out of my depth and needed professional legal consultation. The ERISA appeal Ms. Alters sent to the insurance company was well researched for my state’s laws (which are some of the strictest in the country) and made it clear we wouldn’t be ignored. I read it several times, appreciated it a bit more with each reading. I surely felt she was on MY side and my previously *very* high stress level dropped considerably.
I shopped disability attorneys and was told by other groups they would represent me but not litigate it in court should it come to that. Ms. Alters was out-front in the likely outcomes, since I was new to all this, but clearly stated she would litigate in court if necessary, and that I needed to be satisfied. Nobody else had said that. Results were fast and satisfying. Communications was excellent. Couldn’t recommend them higher, both the company and Ms. Alters.
Even the other disability attorneys I had contacted, when told of my choice said that Dell & Schaefer would do a good job for me which is pretty amazing since I was calling to hire a lawyer. Reputation is everything; Dell & Schaefer has a stellar reputation even with their competition, can’t beat that.
I am perfectly satisfied, can think of no improvements.
I can’t say enough great things about Alex Palamara. He is very professional. Anytime I emailed him or left a message for him, he responded very quickly. I have dealt with other attorneys in the past and such is not always the case. His assistant Danielle Lauria was very pleasant and professional as well. They made me feel like they appreciated my business.
I had the opportunity to meet them both during a mediation with MetLife Insurance. They were just as nice in person and very accommodating. Mr. Palamara was able to successfully negotiate a settlement between MetLife and myself. During a stressful time in my life, it was nice to know that I didn’t have to worry about the outcome because I knew I was in good hands.
Absolutely! If your insurance company has terminated your long term disability benefits, then you want Dell & Schaefer on your side! Don’t be taken aback if you live in another state. When dealing with ERISA cases you want the best! Everything can be done via phone and email. If you have to meet with them in person, they will take care of the logistics. As Mr. Palamara would tell me, “No worries!”
Honestly, I can’t really think of any improvements.
I found my attorney in the internet. Thank God I did cause I was denied by Reliance Standard and was so unhappy after I had been paid since 2009 and then they said I can go back to work not knowing I was set up for surgery. So then I call attorney Alex Palamara for help and he got on my case and started on and I never had a problem with them. Always answer my email. Kept up with my case and me. And they won my case thanks to Attorney Alex. And if you want winner in your case call them.
Cause they are great attorneys.
They get you all the answers.
And they know what they doing.
And they win your case for you.
They know what they doing.
I had no problem with you all. Thank you.
After suffering with the symptoms of ME/CFS for nearly 3 years, I was finally diagnosed with ME/CFS in August of 2011. I filed a claim and was approved by my disability insurance carrier initially. After a little over one year of not working, I started seeing some minor improvement. I told my doctor about the improvement and my carrier took that as news that I was now ready to return to work, which was far from the truth. My doctor told me not to go back to work yet, knowing it would only set me back and reverse my progress. My insurance carrier did not care and they made me attempt work. If I didn’t follow their rules they were going to drop me. I had no idea what to do or what my rights were in my disability contract. I called Greg Dell.
Greg gave me great advice. He spent a great deal of time on the phone with me answering all my questions, explaining all my options and recommending the best course of action. He was able to explain things to them that just made sense. I have been working with him for well over a year. He could articulate what I and my doctors were saying that I was not able to on my own. Anyone with ME/CFS knows how incredibly hard and difficult it is to try and explain your symptoms and limitations to someone.
Greg actually gets it and is who you want in your corner when you’re dealing with an insurance company that is not your friend. Greg was able to get me back on total disability with no work requirement. Unfortunately the work I had to do for those months in between did set me way back in my recovery, but that only makes me wish I had gone with Greg from the get go instead of waiting for a crisis that could have been prevented.
They take the time to treat you as a person, understand you contract and defend you when you can’t defend yourself. A sick person going against a huge insurance carrier with legions of lawyers on staff is not a fair fight. You need Dell & Schaefer.
Nothing. After dealing with my insurance carrier on my own and now having Greg, the difference is night and day. It’s a massive relief.
A year ago in August I had the unfortunate situation where I injured my left hand playing in a recreational adult ice hockey game. My first reaction was fear, panic, and my work career is in danger. Having a job as a physician my hands are critical in day to day life but more important to do my job. I remembered at that point a local radio discussion about disability and knew that I had bought a policy 20 years ago and never thought I’d need it but always paid the policy just in case of a potential need.
I contacted Dell and Schaefer and I must say it was one of the best decisions of my life. Now my attorney, Cesar all I can say is THANK YOU! Michal THANK YOU! It at times going through the process was nerve racking scary but they walked me through it and always were there for my questions and concerns. When your life changes in one second you don’t know how to react. The group at Dell & Schaefer do. They understand not only what your going through but realise its individual for each client but always take a personal interest in your concerns. All I can say is my life has changed but choosing Dell & Schaefer to assist me in my claims process was one of the best decisions I ever made in my life
Thank you Cesar, Michal, and the whole firm. I’m with you for life.
Regards, Dr. Rob F.
In my personal case nothing.
I was confronted with the daunting task of fighting an uphill appeal battle with MetLife, after being disabled since 2004. Metlife decided to discontinue my payments and the ERISA rules were not in my favor.
After researching to find a competent law firm, I decided to engage Dell & Schaefer; the pressure of trying to personally deal with insurance company was relieved. The attorney, Alex Palamara, was very professional and insured I was kept updated every step of the process. In the end, the case was settled out of court and I am satisfied.
I would definitely recommend Dell & Schaefer to anyone dealing with a disability insurance issue.
I have no recommendations for improvement at this time; keep doing what you are doing.
We need more lawyers like Rachel Alters with an understanding heart and mind. May God bless you and your staff. I enjoyed working with Rachel and thank you so very much. I’m am very happy that I chose Dell & Schaefer as my law firm to handle and monitor my claim with Hartford.
I would recommend Attorneys Dell & Schaefer because they are very professional.
I contacted Dell & Schaefer after my disability claim from MetLife was denied. After researching other people’s experience with MetLife disability, I realized I needed professional help if I was going to win my claim. I contacted Dell & Schaefer and have been dealing with Cesar Gavidia. Cesar is a dedicated professional with vast experience in dealing with MetLife. He is an expert at navigating the minefields and roadblocks that MetLife uses to deny claims.
I would recommend Cesar Gavidia and Dell & Schaefer without hesitation. Cesar did a lot of work on my claim including getting all pertinent doctors records, handling all communications with MetLife and doing everything necessary to win my case. Cesar believed in my case and worked tirelessly to gather evidence to support my claim. In dealing with MetLife. You need an advocate that will spare no effort on your behalf. MetLife spares no effort in denying your claim, therefore you need someone like Cesar on your side.
I cannot think of anything that could be improved. Whenever I had a question or concern, someone always answered my question.
When I became disabled early in my career as a dentist, I was expecting the disability insurance process to be a nightmare. With the help of Mr. Jessup and his team, it was far better than I ever thought it could be. He walked me through all the steps and made sure that we did everything that needed to be done to ensure a timely and positive response. Looking back on all the little details, I can’t see any way that I would have been able to handle it all by myself, let alone handle it in such a way to make sure everything was done in the best possible way to obtain a favorable response.
Having now gone through the process, I am certain that anyone faced with the prospect of filing a disability claim needs counsel and I can think of no better counsel than Mr. Jessup and his team and Dell & Schaefer.
Absolutely. They have made the process far less stressful than I ever imagined it would be. It has been a pleasure working with them and I would recommend them without hesitation.
I can’t think of anything. They exceeded my expectations in every way.
I am very humbled to have the privilege to write this testimonial on behalf of Dell & Schaefer and more specifically, Mr. Cesar Gavidia. Unfortunately, after suffering from Essential Benign tremors for numerous years I lost a career for which I dearly loved. I was a dental implant surgeon whose accomplishments are quite humbling. I devoted my entire career to my patients, employees, colleagues and students. Upon discovery of my disability, I contacted Mr. Cesar Gavidia for professional guidance. Upon meeting Mr. Gavidia, I inquired of his knowledge, years of experience, colleagues and most importantly his “Passion” to represent each and every client.
What I discovered was a very sincere Gentleman with a tremendous depth of knowledge regarding my disability policies and many others aspects of business law. During the last five (5) years of my career I could have increased the benefits of my disability policy. However, I failed to do so. I thought I had all of the answers. I was wrong! I would encourage each and every reader to consult with an expert such as Mr. Cesar Gavidia prior to entering into a “Disability Insurance Contract”. Or at least shortly thereafter. You will be enlightened to learn the details and how they will affect you if you incur a career ending disability. You owe it to yourself and your family to understand your DISABILITY POLICY. Mr. Gavidia’s ability to explain the most important details was masterful. My initial conversation with Mr. Gavidia reminds me of our patients and how we sometimes would fail to explain things in laymen’s terms. And we wondered why our patients were confused? Now I know.
I would further suggest that you conduct an annual review of your policy with Dell & Schaefer to ensure your understanding and expectations to protect yourself and your loved ones. I am fortunate. I thought I had performed my “Due Diligence”. I had to a minimal level. Had I taken the initiative to contact this excellent group of experts, early on I could have protected my wife and children like a responsible spouse and father should. However, we are fortunate and blessed in that my disability insurance covers our very nominal financial requirements.
We have no additional funds for our children’s college nor do we live a lavish lifestyle. I simply receive the “minimum” to get by each month. I am very fortunate to have a “true expert” to take care of me and an insurance company, who to date has honored their contract. I thought I had performed my due diligence. In retrospect I was simply naive. While considered an “expert” in my profession with the highest accolades in the world I finally realized that it is impossible to know everything. My encouragement would be to focus on your passion and expertise and let those who are experts in their field help you.
I am very, very fortunate to have sincere and professional colleagues, Mr. Cesar Gavidia and his paralegal, Ms. Danielle Lauria help me through some very difficult times. I have returned to school and recently earned my MBA so I can “get back on my feet” and continue to help those who have blessed me so much. Dell & Schaefer helped me with this too. They encouraged me to do so when I thought the world had ended. In medicine we take an oath, “Do No Harm”. That should also apply to ourselves. Make sure you take care of yourself and your loved ones. You deserve it!
> Knowledge, Expertise, Professional, Reliability, Comprehensive
Spread the word to as many colleagues as possible. Utilize someone like myself on your behalf to simply share their “story” and the truth. This has been a tremendous learning experience for me and my family.
I contacted the law firm of Dell & Schaefer just to check and see if there was a possibility to settle my claim with UNUM and get a lump sum buyout. BEST decision I have ever made! Cesar called me within 24 hours of me sending a email and he discussed my claim in detail with me. Let me tell you, he not only discussed my claim detail but discussed my future plans and diagnosis, he wanted to make sure the settlement was the right option for my case. We decided to move forward with an offer to Unum for the buyout and within three weeks we had an offer. The offer that Cesar negotiated was not only fair but much more than I expected. And the best thing of all, I no longer have to deal with those monthly phone calls and interviews and having someone harass my doctors.
I do not want to forget Mr. Gavidia’s assistant, Anneli Decardenas. She kept me up to date on every aspect of the case, no I did not have to call to get information, Anneli kept me informed. If I did send in a request for information I received a prompt response. Best law firm I have ever had the pleasure to have represent me. Last but not least, I did crunch the numbers and accessed my long term payments against the settlement offer, I can tell you my outcome was very fair.
If you are on long term disability, you need to hire this law firm. Hands down they are the best.
Do not change a thing.
I was pleased with the effort and professionalism of both Mr. Alex Palamara and Ms. Danielle Lauria. It is sad how CIGNA treats sick people like me who after years of payments, refuse with what they promised. I for one would much rather be healthy and able to work. But since that is no longer the case, it is a wonderful service Attorneys Dell & Schaefer Chartered provided me through Alex and Danielle and I am truly grateful. They got the job done.
Simple. I am too sick to work, and Mr. Palamara and his support team helped me get the insurance company to recognize and accept this.
From the first contact this office was organized, professional and responsive to all my needs and questions. Following my sudden career threatening injury it was most comforting and assuring as a potential client to feel as if I was dealing with the most experienced and most competent professionals in the industry and in my opinion Dell & Schaefer has provided just that. I find Gregory Dell’s legal representation to date to be excellent in every way.
Excellent communication and explanation of all aspects, they are organized and detail attentive, call backs or email reply within minutes. Excellent representation.
I researched a lot of disability attorneys on-line for an “insurance buy-out” with Unum. I ultimately decided to go with Alex’s firm, I am glad I did, as he was very professional yet down to earth. I literally felt at ease during the entire course of my business with him as well as his staff members. He did everything he said he’d do for me in a quick and timely manner.
His fees were within range with other firms based on my research, he always returned my calls and kept me posted from beginning to end. I settled in a few weeks. I don’t think anybody wants to get an attorney to deal with an insurance company, but if you find yourself in this situation as I did, then Dell & Schaefer is the way to go! I’m glad I had the opportunity to work with his firm.
I would absolutely recommend him to others as they are very knowledgeable with how the big insurance companies operate and they treat you like a person not just another client.
I called Dell & Schaefer the day I received the LTD denial letter, and immediately spoke with attorney Cesar Gavidia. From our phone conversation he understood what I was up against. After my denial I was feeling hopeless and was ready to throw in the towel. Cesar explained to me the next step was to file a lawsuit and take the case before a federal judge. We settled the case at mediation with the insurance co. rep and their counsel.
When I thought it was hopeless to try and fight the Insurance Co. and their resource, Dell & Schaefer used their knowledge in dealing with these giants, to get me a fair settlement.
My husband was looking for attorneys to help me with my disability claim. He was in Florida on business and happened to call Dell & Schaefer by accident. I have been out of work due to physical illness with an emotional component related to the pain from my physical problems.
My employer used a 3 party administrator for disability claims and they were less than helpful. I was afraid I was going to loose everything if they stopped paying my benefits. I received a phone call from attorney Rachel Alters. She was my angel! She had me fax all the communication I had received from the disability company. She read through all the of sideways language and was able to explain every bit of it to me. Best of all, once I hired Dell & Schaefer I did not have to talk to “the company again.” What a relief! As soon as “the company” found out I had a lawyer everything turned around. I was deemed totally disabled not only for my job but any JOB. Rachel guided me patiently and kindly through every step of this process.
As it stands now, “the company” is paying me a lump sum settlement, that Rachel worked very hard to obtain. They will continue to pay for the services of the company working on my social security disability. Rachel also negotiated my life insurance will be paid by the company until I am 65.
Also “the company” wanted to keep any retro-payments due to me from social security. Rachel stood up for my best interest and any funds that are due to me from Social Security are mine and “the company has no right to them.” Rachel has also educated me about managing a large lump sum of money and the responsibility associated with making it last. Rachel Alters is my lawyer but I also consider her my friend (I have never met her) but only a friend would work so hard to protect the interest of someone else.
Dell & Schaefer attorneys are knowledgeable, professional, and are outstanding communicators. I am an RN so I understood all the of the medical information that was needed. I have full faith that If a client was not a nurse and did not understand medical language, that client would have the benefit of patient and kind communication until they were comfortable.
I would recommend Attorneys Dell & Schaefer without hesitation.
I have been a client of Stephen Jessup since early last year and have to say he’s an amazing attorney whose direct approach and attention to detail are second to none. My case presents a difficult challenge in that we have to manage my LTD policy, workers compensation, and SSDI all together. Attorney Jessup has been able to guide me through all the intricacies of all three and has gone out of his way to do so, even in dealing with workers compensation and SSDI, although he is not required to do so. He doesn’t embellish or overstate what he can do for you. I have never had an email go unanswered or an attorney conference call cancelled. His compassion and understanding about your situation and condition are genuine. He listens to all your concerns and never will respond with empty rhetoric or lip service. And let’s not forget Anneli De Cardenas, who is definitely a big part of Dell & Schaefer. She has been terrific to deal with and has been very empathetic regarding my case.
Dealing with the insurance company by yourself is not only stressful but also not recommended; since Dell & Schaefer have started managing my LTD policy, I have felt a tremendous sense of relief because they are always on the ball and I trust that they are handling it effectively. I have the utmost gratitude to Stephen Jessup and Dell & Schafer for everything they have done for my case.
I would recommend Dell & Schaefer because they listen to all of your needs and will never back down from any insurance company. They are a boutique law firm that will take the time to personally and effectively manage your case.
Cesar Gavidia handled our disability claim which turned out to be very complex… not the simple claim we thought. After reviewing all options and being fully advised as to all options we agreed a settlement would be in our best interests and authorized Cesar to go forward. He was able to procure an extremely good settlement under the circumstances… he was pleasant professional and extremely knowledgeable in his field of insurance disability claims. I can’t say enough good things about our experience. Our only disappointment was the understanding of all the factors involved in the claim but when faced with reality… Cesar did a tremendous job for us. And our case was resolved quickly once the decision to settle was made.
Absolutely. Top notch. I will be referring my clients to the firm to handle any future matters of this type.
Nothing… everything was done as well as could be expected… and since I am a PI attorney and have handled thousands of claims myself – I can say this professionally as well. Keep up the good work.
My wife and I were quite pleased with how Dell & Schaefer managed to procure a buyout from a nation-wide disability insurance company, whose name has been consistently associated with attempts to discredit the expert diagnosis of qualified physicians, in favor of their own staff appointed representatives. A practice that they have routinely used over the years in order to deny as many valid claims of disability as possible. They have also used this tactic to undermine the validity of many of the recipients of disability benefits who were already receiving their disability payments, as was the case with us. Dell & Schaefer was familiar with these tactics and the other methods used by this particular disability insurance company and it is for this reason that we contacted them. We were glad that we did.
Dell & Schaefer were very courteous and understanding. They presented a means to resolve the situation brought to them and they produced the results that they claimed were possible. In our case, even a little better than claimed. They did so in a reasonable timeframe, as well.
I worked with Mr. Dell in a lump sum buyout of my long term disability policy with a major national carrier. I knew I would need a professional for this and when I emailed Mr. Dell about information, he promptly set up a time to chat with me and it all went from there. He was able to negotiate with the insurance company to obtain a very attractive buyout offer, which I took.
Mr. Dell never delayed more than an hour in answering my emails and calls. In fact, usually I heard something from him or his associate within minutes. I really appreciated this, given that all of this is done without actually meeting in person. I highly recommend getting help if you are considering a lump sum buyout of your policy. And after my experience working with this firm, you will feel most secure that you’re getting the best deal possible. Thanks Greg and all you guys there that were so helpful.
I felt the staff was professional and dedicated to getting the best job done in my behalf.
I must say, words can’t express my inner-feelings for the fabulous job that Dell & Schaefer firm have done for me. I was so impress with the outline of my disability appeal, it was totally organized. Dell & Schaefer keep me abreast with the entire proceedings. To have an attorney that has your interest at heart is a phenomenal thing. Dell & Schaefer was referred to me by a friend. It was a true blessing. I would return a favor, by referring Dell & Schaefer to anyone that needs an attorney.
Thank You, Dell & Schaefer and Stephen Jessup, for being there in my time of need.
Cesar Gavidia and Michal Mizrahi, are undeniably one of the most efficient and productive teams of legal experts out there. Professional, ethical, patient and relentless in the pursuit of practical and just results for their clients. Definitely recommend them both to anyone seeking legal council.
We all make, everyone of us, life altering decisions everyday that could and often do, save or change the course of our lives. Something as simple as driving to the market one rainy afternoon for groceries with the children carefully strapped and tucked into their car seats… safety belts secured around each one them and returning them home safely… intact – also very important… choosing the right early education program for one of those youngsters who is struggling to “keep up” in school – or maybe it’s a quality of life choice so very important to you personally like… choosing the surgeon who will repair a delicate to treat and painful spinal disc ailment that has caused you years of terrible suffering.
We regularly make decisions that affect our personal and family lives within the context of the times we are living in when we make them. We place our faith and trust in the professionals we select to advise us on these and other very important matters. These “coaches”, as I will continue to refer to them, are Physicians, Lawyers, CPA’s, Financial Investment Consultants, RealEstate Professionals, Insurance Experts, etcetera. These carefully chosen advisers keep us abreast of new opportunities for healing, financial growth and security while at the same time appraising us of the risks and dangers that occur minute to minute both over and under the world’s constantly changing landscape. When the unpredicted problem arises and a major problem will happen at least once in all of our lives, we might need to turn to the “law” – the law lives and breathes and changes by virtue of human, political and technical progress. Those “Coaches”, I mentioned earlier in this memo, also rely on legal experts to help them and their young as well as you and I who they might advise having been selected by one of “us” as a “coach”. We all in the final analysis, must navigate what is often a cloudy, murky, unsure world as part of survival in and of itself.
My legal “coach”… Cesar Gavidia, who has been helping me find my way in this unsure world, is a lawyer I’m very proud to know. After taking my troubling call about a serious insurance matter, Cesar immediately set about collecting the insurance policy information and after carefully studying the insurance policy language… language with which he was and is very familiar, gave me a “gift” that I cannot repay in kind… the “gift” was faith in the law and more importantly… faith in Cesar Gavidia. If you believe as I do, that a legal “coach” is needed to help flesh out your team of professional advisors… then consider talking to Cesar.
We live in a cynical world and we are all afraid of the “unknown”. Step into the knowledgable, kind, generous, professional world of “law” as practiced by Cesar… he really, really, really saved me. And although there are no absolutes… my insurance problems may need more care… a constant I can rely on and believe in is Cesar Gavidia. He will protect me by judiciously and honestly applying the “law”. As hard as it is to believe in anything we hear or read today… please believe me… because my still unfolding story just happens to be the unvarnished truth… and Cesar will get me through these insurance issues the right way, by employing the “truth” in the law… I just know he will… i just somehow know he will. Dan
My experience with Cesar Gavidia is unparalleled given my limited knowledge of the legal profession. But if kind, generous, compassionate legal advice tempered with empathy and faith in the law is considered “old fashioned” then I’m “old fashioned” enough to recognize a thoughtful legitimate legal mind with a commitment to the “truth” first and then the law. The “People” make the laws and the wisdom of it’s application should be under the auspices and careful administration of talents like Cesar Gavidia… Congratulations to Dell & Schaefer… having made the decision to staff the firm with a quality talent like Cesar… a wise investment that puts truth in the law first for each of Cesar’s clients… subsequently makes the “truth” in the law available to all of the “People”. The very “People” who craft the laws for the sake of the truth!
I’ve most gratefully just come in contact with your firm, Cesar Gavidia in particular, but outside of the Dell & Schaefer law practice itself is the need for the profession as a whole to take a stand on voting rights, equality under the law and most importantly the priority of improved education, nutrition and basic care of our countries children… the future of this democracy depends on the good stewardship of those important resources… particularly from those men and women who administer the law in their defense… these few afore-mentioned legal, political and social challenges are “rights” not privileges and all members of the bar should fight to preserve these “best” American practices and values. My best to Cesar and to all of his team and colleagues…
Very friendly and always answered my emails. Explained things simple and very well.
They work hard for you.
They were very professional in helping me with my legal situation. I was very fortunate to find such a competent company and attorney to represent me. Everyone that I had the pleasure of talking to, was very pleasant and helpful.
Because they do a great job.
My experience has been very good; but for his representation the insurance company would not have agreed to pay my disability benefits.
I would recommend them because they are thoroughly experienced with short term and long term disability insurance and it’s laws, and as such I was quite comfortable having the Firm represent me in my claim for disability benefits against the insurance company.
I have no complaints.
I have been a client of Dell & Schaefer for the 6 months and they have already successfully taken my disability claim to approval. It is privilege to write this testimonial. I am a professional myself, a physician and to me these are some of the core strengths of Steve Jessup and his team.
Listening to the client: Attorneys at Dell & Schaefer really listen to you explain your special situation and undoubtedly every one of us has a special circumstance and specific wishes as to what we want. Most of the time attorneys and in general most professionals these days, will listen to you a couple of minutes and then file you away in a category or a bin and chalk out a plan for you in their mind and stop listening to you and start thinking about the next thing that they have to do. That is why these interactions are so often exasperating for the client.
As a physician I used to try and teach medical students that any well trained monkey can read a few books and do a particular thing in a particular situation, it is however extremely essential that you determine what the situation is and no one understands the situation better than your client or patient. I spoke to a couple of attorneys at D&S, initially with someone who took my call and then Steve who was assigned to me and it was impressive that they really tried to get what I was trying to convey, what my special and unique situation was (and whose isn’t?) and what I wanted.
Shock and Awe: At Dell & Schaefer they don’t go in halfway prepared. Their philosophy is to get well prepared and go in guns blazing. They will make you work on your mission until all anticipated difficulties have a contingency plan before even the adversary is intimated of the challenge. I believe it was Sun Tzu who said that the best battles are won before they are fought. Frequently you are a small David pitted against a Goliath adversary with deep pockets and a much larger time horizon. But you do have an advantage, that of time for preparation. The adversary does not know of the battle until you tell them and then the clock starts ticking. At Dell & Schaefer they make full use of your advantage by preparing your case with utmost thoroughness before the engagement.
Art of the possible: Legal action, just like life, is the art of the possible. I have dealt with 5 other attorneys in my career and only one of them apart from Dell & Schaefer understood this. A professional’s job is to tell you what the score is, what possibly can occur in the future and what measures can be taken to favorably change the future. And the last one is possibly the most vital. You don’t want your attorneys telling you all the time why things cannot be done, how laws are stacked against you, how global warming is melting the icecaps, how the oil is running out and how dogs sometimes eat homework assignments. You want them taxing their brains to see what can be done in best manner possible, so the future, which is not yet written, changes favorably for you. Attorneys at D&S get this and consciously incorporate it in their work ethic.
They say that there are four professionals in your life who should also be your friends. Doctor, Lawyer, Accountant and Banker. There is a deeper side to this sound bite that some people get and some don’t. I live at the other end of the country from where Dell & Schaefer work and play, but the world is small and getting smaller and perhaps someday I can add to my stock of friends.
What an accomplishment Dell & Schaefer had done for my case against Reliance Standard Life Ins Co. The process was better than I could of thought. I could not of recovered my counter action without them. Great people and professionally handled with integrity, honestly and no strings attached. I was right and the firm got me my rights. Thank you Alex and the Dell & Schaefer team.
Because they work hard at what they do best… Recover your rights.
At this time… nothing.
I cannot praise highly enough, the Dell & Schaefer law firm and, in particular, Steven Dell and Rachel Alters, the two Dell & Schaefer lawyers who handled my case. I had been a lawyer for more than 30 years when I became disabled. Steven and Rachel successfully obtained payments on each of two separate disability policies.
Throughout the process, they carefully explained to me each step along the way. I always understood my options and the pros and cons of each of them. They have vast experience in pursuing disability claims. As an example, they identified a first-rate expert who prepared a report supporting my case. Steven and Rachel have always responded promptly any time I had a question. Put simply, they are simply great attorneys who know this area of the law inside and out. I unhesitatingly recommend Dell & Schaefer for their professionalism, knowledge, accessibility, promptness and total devotion to their clients’ best interests.
With all the troubles and disappointments dealing with Unum, Mr. Jessup took over and made it possible to get what needed to be done. He was AWESOME! His team was efficient and caring. I chose the right person for the job when I called their office. I will be forever grateful for their services. Their assistance and kindness is/was so much appreciated. Thank you so much.
I would most definitely recommend their services. When ever I had a question it was answered promptly and pleasantly. They made things happen and all the headaches were gone. Sure glad I chose the right law firm to represent me.
Can’t think of one thing. You are just what a worried, hurting person needed. Thank you so much.
I was dealing with a difficult issue because after 20 years my disability insurance company was terminating my benefits. I was getting nowhere with the insurance company. I called Dell & Schaefer and was promptly treated with compassion and understanding. They immediately assisted me in helping me begin to resolve my issue. I was constantly updated and someone was always available when I had questions. They worked closely with me explaining each step we took. The issue was resolved thanks to their efforts. I am grateful to them for their expertise and professionalism as well as the personal touch they provided.
Expertise, professionalism and personal touch they provided at all times.
I have dealt with other law firms and this one was the most efficient friendly and knowledgable. Just keep doing what you are doing.
They are kind, compassionate, and they include you in every step they take!
I recommend Dell & Schaefer because of their professionalism, prompt response, and efficient staff.
When my disability benefits were taken away, I was devastated. My benefits represented one-half of our income. After speaking with several disability law firms, I was impressed with Stephen Jessup’s knowledge, compassion, and attitude. Throughout the process of an appeal and settlement negotiations, he kept me informed on what was happening, and what the next step would be. He made sure I understood the process, and what to expect. His expertise throughout the settlement phase brought about a successful resolution that was more than I expected.
I was faced with a very difficult situation. Being disabled was bad enough but being accused of faking my condition just added to all the stress, not to mention the obvious financial shortfalls of not being able to work. Soon my claim was cut off. My insurance company had me right where they wanted me.
I have come to learn that the laws that apply to large insurance companies have been lobbied by them. The deck is stacked against the claimant. I also learned that when you make an appeal to your insurance company that is your whole case. If you go to trial, ERISA laws are in place to make your appeal your whole argument and it can’t be added to after the fact. Your initial appeal is vital if you are to succeed.
Your appeal is key. There is no doubt in my mind that had I tried to take my insurance company on by myself they would have prevailed without having to pay anything. I would have fallen into the trap that is set by them.
Dell & Schaefer’s very capable attorney Rachel Alters put a strong case together and knew all the potential pitfalls. Rachel was very patient with me and worked methodically to compile an 800 page appeal. We were able to beat them at their own game. I was able to receive a significant settlement because the case had been made on the terms that the law requires.
I can not stress enough the need for strong representation when and individual goes up against these huge companies with unlimited funds to fight paying what they should.
Very few businesses deliver exactly what they promise. After speaking with lawyers who were either apathetic or inexperienced with private disability claims, in the nick of time I found Dell & Schaefer. Attorney Stephen Jessup and staff took the time to understand the particulars of my case, thoroughly examined my claim, and protected my rights as a claimant. Dell & Schaefer’s lawyers were exactly what I expected and needed to win my disability claim, and I would recommend them to anyone with a disability claim in contention who enjoys sleeping at night.
Thank you for being here for me on this Saturday before Christmas. I am so grateful – more than you may know – that you are working for me. A guy like me who considers himself strong and self-sufficient, is sometimes very scared – sometimes deeply shaken – when threatened with legal action by a large corporation. Your knowledge, abilities, & commitment to your clients is immensely appreciated, I’m sure, by all you serve.
Particularly at this time of year, I pause, reflect, and recognize how very thankful I am for our relationship. As you perform your professional duties in my defense, you are always very thorough & kind to me and I shall never forget you.
The team at Dell & Schaefer was able to guide me through the confusing disability claim process efficiently while explaining every step along the way. They provided me with peace of mind during a very stressful period of my life. Dell & Schaefer was not only there for me during the claims process but also after ready and willing to answer any question I had.
The expert advice I received and the personal interest in my unique situation are reasons why I would recommend them. They made a complicated process easier to navigate.
I came to Dell & Schaefer after an attorney firm in Maryland decided in August they could not win my case and decided to drop me with my Appeal for LTD with Aetna due in October. I contacted Dell & Schaefer and sent the firm my information. They assigned me to Rachel Alters who is the best. She explained to me it normally takes 4-6 months to do an appeal, but Rachel assured me she would do her very best to win my Appeal in the limited time we had remaining to submit an Appeal.
Rachel worked very hard and we had some long phone calls, even though I have never met Rachel face to face I feel she is part of the family. I got a call from Rachel the beginning of December letting me know we won the case and that Aetna would be reinstating my benefits. There is nothing more I could ask for. Winning an appeal for LTD would not have been possible with out the law firm of Dell & Schaefer.
I would recommend Rachel Alters to anyone who is fighting to get there LTD. Rachel, was the person on the other end of the phone who had to listen to what I had to say and to feel how angry I was. Rachel listen and help me understand that that is why she was there, so she could help get my LTD benefits from Aetna.
The company is doing a Great Job. Special thanks to Rachel Alter and Kathleen Bordes who are great.
Excellent, very professional, fast, call back with answers to all your questions by end of business day called even at night and weekends via e-mail, fight to get you everything you deserve, overnight your settlement to you. I could go on!
I was extremely pleased with my experience working with Dell & Schaefer. They were prompt, efficient and honest about my case. In a very short amount of time, they were able to reverse my denial for disability benefits and reinstate my coverage.
Their empathy and professionalism were refreshing. My attorney helped me feel heard and respected, which was the complete opposite of my experience with my disability income insurance carrier.
I’m happy that I had the foresight to review Dell & Schaefer’s on-line videos and learn more about their organisation before I chose them to represent me. I definitely made the right decision.
The attorneys at Dell & Schaefer are professional, honest and empathetic. I feel like they spend the time to listen and truly care about their clients. I’ve come to realize that the disability income insurance industry doesn’t care about their policyholders’ welfare. They care about their premiums. Attorneys Dell & Schaefer care about their clients and work tirelessly to reach positive results on their behalf.
You’re doing just fine. Special thanks to Rachel Alters and Danielle Lauria for their excellent work.
Very professional, polite, efficient. Always made time to answer my questions, always responded to my calls or emails.
Great on communicating with clients and followups.
I worked with Rachel Alters at Dell & Schaefer. She took a terrible experience with an a disability insurance company and made it so easy for me. She did a wonderful job at working to get the best settlement for me. Having MS is not an easy illness and stress can really do you harm to your health. From the moment I called and spoke with Rachel she took charge and took all of the stress away from me. Thank you Rachel!
I would recommend this law firm to anyone that has issues with a disability claim. My advice is not to give up and fight the insurance companies and Dell & Schaefer can do it for you. Put your case in their hands and trust them, they WILL help you!
I would recommend Rachel Alters. She worked very hard to win me my settlement and she was very down to earth and easy to work with. She made me feel like we were all a team!
Everything in my case was handled great! They did a great job.
After many months of trying to reverse the denial of my claim on my own, I turned to Dell & Schaefer for their assistance. They answered all my calls and questions without hesitation. They were successful in obtaining the over-ruling of my disability denial without filing a lawsuit and I received all of my back benefits. I am glad to have found them and they continue to manage my claim for me.
Because they get the job done.
The firm was very professional in all dealings. They were prompt and thorough to all my requests and questions. They compiled a detailed appeal to CIGNA and upon review my claim was re-instated.
The firm is results oriented and diligently pursues the best interest of the client. The appeal they filed in my behalf was truly outstanding and clearly stated my case. They get results.
Keep up the good work. Maintain your high standards of performance.
Attorney Alex Palamara was a delight, and most cordial, efficient and timely in responding to my questions and concerns. The staff was professional and also a delight to work with. The entire law firm most definitely looked out for our best interests. It was a burden lifted off us not to have to deal with the insurance company and which gave us peace of mind. There’s no price tag that could be put on that.
I would recommend Attorneys Dell & Schaefer for future to our family & friends. I have them on speed dial if anyone needs to call.
I can’t seem to come up with any improvement on the law firms policies or procedures. Please keep on representing your clients, the way you have done for my disability case now and in the future. Thank you again.
I was reaching defeat in fighting for continuation of my benefit and contacted Dell & Schaefer hoping for one more try. From the moment I spoke to the attorney Stephen Jessup I felt relieved and hopeful. I provided the items requested and the rest was taken care of until I was one day notified that we had been successful. I was always treated with respect and kindness through the end of the case. The office was a pleasure to work with and more importantly we were successful.
In a minute. No hesitation.
I can’t think of a thing. The experience was great.
Working with Dell & Schaefer has been a consistently positive experience. My life changed precipitously as well as my career and ability to support my family. Over time, discussing simple issues with my disability insurer became more and more difficult. I reached a point of frustration one late afternoon from the west coast and decided to call and leave a message for the next day. Greg Dell actually picked up the phone ( it was 730 P his time) and was enormously helpful and thoughtful. That same thorough care has occurred in my ongoing relationship with Cesar Gavidia over the last 6+ years. He is organized, knowledgeable and accomplishes what needs to get done.
Most importantly, but still surprisingly, he has been incredibly thoughtful, kind and empathetic – all nice perks for those going through the torment of disability. I have come a long way in my ability to cope but knowing that I did not have to keep dealing and being demeaned with my disability insurer has meant the world. I know this seems overly enthusiastic, but it is all true.
The best place to start is a brief background. I had incurred six spine surgeries in a span of five years taking four or nine days vacation for each. These surgeries included multi level fusions, laminectomy’s, etc. I reached the point where the physicians recommended I take a period of time (six months) off to see if the injured nerves would calm down. I filed for my short term benefit (90 days) and that was approved. I filed for my long term benefit but was denied. After six months of no improvement I was deemed permanently injured, a pain management case. No other surgeries would help. This was all fully documented and supported by the surgeon. At some point in that period I realized an attorney was the only way to take on the insurance company as I was getting absolutely nowhere. I searched locally but had no luck but was recommended to Dell & Schaefer by a local attorney.
I was hesitant at first as their main office is in Florida and I am in New York but realized they had to trust me remotely also. Once they obtained all the medical records and formed the first of several appeals (at their up front cost and therefore risk) I realized they had this down and they realized I had a legit case with full physician support. The people at Dell & Schaefer were always courteous and professional. They never set any false expectations about time frame and they always kept me updated as the claim status.
Dell & Schaefer at one point had to ask my surgeon to write yet another letter on my behalf. There interaction with the very busy surgeon was polite, professional and subtle. I did not want my relationship with the doctors jeopardized by this and it never was. They also updated me with a copy of all interactions with the insurance company in a timely manner.
They certainly lived up to their promise so I would certainly recommend them. Without an attorney I would never have won my appeal of the disability denial.
I was a physician who developed a disabling disease. I had two disability policies. My medical practice situation was a very complicated business model. Cesar Gavidia deftly navigated me through the multiple disability policy application process. He made sure everything was done correctly. Instead of having to worry about the disability process, I was (and am) able to concentrate on my health which is the most important thing. He and his staff continue to handle all communications with both disability companies and I expect them to handle them for as long as I live. His paralegal, Danielle Lauria, made sure that all communications between me and Caesar Gavidia were always done in a timely manner. She always kept me informed.
When you are paying for representation a certain level of skill and what I call niceness is expected. Both Cesar and Danielle went way beyond what was expected in both areas. They helped to make me feel safe, that everything was going to be o.k. I cannot emphasize how important such a feeling is when you are struck with a disabling condition. Therefore they and the firm have my highest recommendations.
As the saying goes, if it is not broke, do not fix it. Dell & Schaefer serve as a model for all law firms, no matter what the specialty.
It has been almost 7 years since I became unable to work. I looked at the possibility of filing my disability appeal myself after Hartford Insurance Company denied my claim, but it soon became clear that I would have no chance of winning. So I started looking for an attorney. I talked to several who told me just how much work they would expect me to do on the claim. I then revisited the idea of filing by myself. Then I talked to Greg Dell. He told me not to worry about anything, that he and his firm would handle everything. The insurance company threw up every roadblock they could but we eventually prevailed and my benefits were reinstated. They have immediately jumped on any issues since then and resolved them quickly.
It is traumatic enough to endure a disability. Mr. Dell and staff’s guidance made the paper work and claim process invaluable. Many thanks to the firm.
You are the professionals that know how to negotiate the claim process for disability insurance. They are very good at keeping in touch though the process and after.
I was getting nowhere trying to acquire the Short and Long Term Disability payments I was owed until Rachel Alters of Dell & Schaefer agreed to take the case. As is unfortunately too often the case, the insurance company used delay after delay and an initial denial even though I was clearly disabled until this law firm made them see the light. Do to the time value of money, it is impossible to ever get made whole again when insurance companies do this but without the assistance of Rachel and this law firm I have no doubt that I would still be fighting with the insurance company instead of finally receiving my benefits. Thank you Rachel!
Attention to detail and persistence on my long term disability claim.
There are not enough words to describe how delighted I am with the representation that I received from the law firm Dell & Schaefer. During this, the lowest point in my life, when I felt nothing but despair, completely hopeless and as though my world was coming to an end, Steven J. Dell, his colleagues and their support staff were all there for me each and every step of this terrible journey that I’ve had to traverse.
As an attorney myself, I always tried to provide superior representation to my clients. That meant not only being well versed on the technical side of the law, but also understanding the emotional impact that led the clients to come to my office. I can not think of a better complement but to simply say, that Steven J. Dell has been the type of attorney that I always tried to be. To the people at Dell & Schaefer, I want to thank you for all of your help. I don’t know where I would be today without you.
I hired Attorneys Dell & Schaefer during one of the most difficult times of my life. As a financial advisor that had built my career by advising clients I never thought I would need professional assistance to handle my long term disability insurance claim. Without Dell & Schaefer I don’t think I would have ever collected any disability benefits. Greg Dell handled my claim from start to finish and he was constantly in communication with me throughout the entire process. I was lucky to have Mr. Dell and his team representing me. I was very satisfied with the lump sum settlement I received. The staff at Dell & Schaefer are very knowledgeable and understand the disability claim process.
My experience with Dell & Schaefer has been excellent. Not only are the attorneys highly rated but all the associates I have been in contact with have been super, especially Mrs. DeCardenas.
They are timely, pay attention to detail, know the ins and outs of my case and are very cost effective. I recommend Mr. Gregory Dell and his associates with no reservations whatsoever. I am a doctor and Mr. Dell was able to help me deal with two different disability policies, a business overhead policy and the sale of the medical practice. I have been a client since 2007.
I investigated their record and got recommendations about them prior to engaging their firm to represent me. From the start their interest in me and the confidence they inspired made me want to, in turn, recommend them to anyone who needs legal representation, specially in matters of disability. Mr. Dell truly knows how to handle the insurance companies. I feel very comfortable knowing that this law firm is managing my disability claim for me.
As far as my particular case is concerned, I’m at a loss to think of any area that would need any significant change.
I was having difficulty with performing certain procedures in my job, this eventually caused severance of my relationship with my employer. My disability insurance company denied my claim for long term disability benefits and closed the case. Fortunately I was referred to Cesar Gavidia and Attorneys Dell & Schaefer. He was very prompt in taking my side and, in a short time, what seemed to be a lost case turned in my favor. I would strongly recommend him and his firm to protect ones interests in cases of disability insurance.
The group is very prompt and efficient. Results matter!
I am a physician with a long medical history including cancer, arthritis, peripheral vascular disease, and Complex Regional Pain Syndrome (formerly RSD). I expected to retire early. However, my health and work deteriorated rather rapidly. Suddenly I was no longer working and needed help negotiating my benefits. The first two attorneys I met were personally recommended. I soon learned that they had either limited or no experience with private LTD policies. I searched the internet for more information about Long Term Disability claims. The Dell & Schaefer website kept popping up with the answers to my questions. I liked both the text explanations and the videos. With nothing to lose, I requested a free consultation.
From the beginning, Attorney Steven Dell and legal assistant Merlin Bryan have been consistently honest, professional and patient. During my initial phone conversation with Steven Dell, it was clear that he understood both my medical conditions and my work situation. He had already read my LTD policies and was familiar with both the Unum and the Hartford insurance companies. Steven Dell is an excellent, thorough attorney. What does that mean? First, he knows what information is needed to submit a claim. Early on, he gave me a checklist of items he needed. At times, it felt like a part-time job, finding all of the financial, employment, and medical records he needed. Yet Steven Dell and Merlin Bryan were very patient whenever I had a health setback. They actually understood that folks with health problems have problems filling out paperwork. Second, he picked up the phone and contacted lawyers, human resources, personnel and insurance agents to keep the paperwork moving. Third, he is relentlessly thorough. I submitted hundreds of pages of paperwork. He actually seems to have read them! He double checked that dates, numbers and statements were accurate. He would not submit any paperwork until any discrepancies were discussed and resolved. At this time, two LTD claims have been approved and I have received my first benefits. I have nothing but respect and gratitude for this law firm. Thank you!
The Dell & Schaefer law firm provides very professional service. Their fee agreement is straight forward and reasonable. The firm also provides very nice personal service. I often forgot they had other clients since they responded quickly to questions. I felt like I had their undivided attention on the phone. We were never interrupted by pagers or other calls coming through. Once, as hurricane Sandy moved up the east coast, I had trouble reaching my attorney. The firm went out of its way on a weekend to make sure we were able to communicate. Dell & Schaefer is large enough to have a division dedicated to physicians and attorneys. This special interest is quite nice, as our policies often have unique provisions and requests. It is nice to work with attorneys who are familiar with the quirks of our profession. They seem to understand it is difficult to leave a career which many of us spent decades to build.
Mr. Dell has represented me in my dealings with Unum Provident for over four years. When Unum tried to deny my claim he was able to make Unum understand that I was still disabled and unable to do my job. He has been most effective and honest. I recommend him unequivocally.
My experience with Dell & Schaefer and Attorney Stephen Jessup was absolutely stress free. Everything was handled in a professional and timely manner. They made sure that everything was communicated & explained to me and they collected all the paper work necessary to process my appeal. I am very thankful that Dell & Schaefer was referred to me.
I would recommend Attorneys Dell & Schaefer because they take the stress and worry out of your hands while at the same time keeping you abreast of everything that is going on. They are very experienced with all types of disability claims and insurance companies. They will protect and fight for you every step of the way.
I feel that everything went well and at this time have no comments for improvements.
Working with Dell & Schaefer has been one of the few pleasurable experiences about the whole LTD claim and claim management process. Attorney Gregory Dell has been incredibly accessible and responsive to all questions, both complex and mundane, and has helped me to navigate the murky waters of LTD claim management. I’m fairly confident that his ideas and counsel are the key reason my claim remains in good standing after five years of processing.
I’ve found the team at Dell & Schaefer to be extremely knowledgeable, positive and communicative. All questions are answered in almost real time and the advice is spot on.
I was referred to Dell & Schaefer after several years of dealing with my private disability insurance company and their refusal to pay me. Many law firms refused to take my case as it was not a Social Security Disability case. I retained another law firm prior to Dell & Schaefer and they were not able to get me paid. I was lucky to find Dell & Schaefer. They were able to settle with the disability insurance company to my satisfaction and recover disability benefits for me.
Very professional. Kept me apprised of my situation and decisions I needed to make with regard to my case.
Dell & Schaefer are an excellent Law Firm. They got my Disability Claim reinstated after being dropped by The Standard Insurance company. Insurance companies are always looking for a way to target and drop disability insurance claims of people who truly are disabled and deserve the insurance they have paid for. Dell & Schaefer know of these “tricks” the insurance companies play and waste no time getting your claim reinstated.
Since I have engaged Dell & Schaefer as my attorney, the insurance company no longer hassels me with annoying letters, or calls and they have put my mind at ease that I will not be dropped. In my opinion, Dell & Schaefer are known to the insurance companies as excellent attorneys and therefore do not play games with the their clients. I would recommend Dell & Schaefer to anyone, as they are not only excellent at what they do, but are a pleasure to have on your side.
They will get the job done, and have great experience with the Insurance Company games and make them stop.
At this time I do not have a suggestion for Improvement – I am very happy to have Dell & Schaefer on my side.
Responsive, effective, legal assistance that is clearly on your side when advocacy is most needed, when your self-confidence can be at an all time low. This firm comes through. Don’t know how I could have been more fairly represented. A real value in the legal services industry.
This firm levels the playing field with large insurance carriers at a time when you may not be at the top of your game.
I am completely satisfied of my experience with Dell & Schaefer.
All correspondence, email and phone calls, have been answered in a timely manner. They were able to assist me in obtaining long term disability benefits from Prudential Insurance Company after my own efforts failed.
My wife and I met with Mr. Gregory Dell when my company refused to extend my long term disability. He spent a long time with us and answered all our questions. He and his staff worked diligently to get my long term disability benefits restored. Each year, when my previous employer wanted to terminate my benefits, they contacted me in a timely manner and succeeded in the continuation of my benefits without any delay. They assisted me in the process of filling out tremendous amounts of insurance papers. My wife and I highly recommend Mr. Dell and his office!
They get the job done!
We can’t think of anything!
Straight forward, knowledgeable, professional and very well versed in the intricacies of disability insurance policies.
They got results in a timely manner and are always available.
I have been extremely satisfied and cannot think of anything I would change.
My single best decision regarding my disability claim was to retain Dell & Schaefer from the beginning. From initial claim submission to claim maintenance they have been my teammates throughout the entire process. This is their area of expertise, and in my opinion, they are great at it. They are extremely professional. They are on top of every aspect of my claim. They respond to all of my questions in a timely manner and they handle all correspondence with the insurance company. I have found that filing a disability claim is not a smooth process and having the professionals at Dell & Schaefer on my team has been priceless. I have referred friends and colleagues to this law firm and without exception, we all are happy with our representation. Without equivocation, if you are going to file a disability claim, you want Dell & Schaefer on your team.
I would recommend Dell & Schaefer because they are consummate professionals. They are ethical and extremely hard working. They know every aspect of your claim and handle all correspondence with the insurance company. With that being said, the biggest reason I would recommend Dell & Schaefer is Anneli, Greg Dell’s legal assistant. She is just the best and sometimes I wonder what they would do without her.
I have been extremely pleased with the work of Dell & Schaefer. When I have questions, they are very quick to respond and their work is thorough. I highly recommend Dell & Schaefer and I would not handle my claim without them.
I live in rural south side Virginia and it was impossible for me to locate a firm that would be able to help me appeal my employee long term disability claim denial. After numerous attempts and failures to locate someone who would take my case, I took my search to the internet. I was hesitant in contacting a law firm via the internet, considering the ones qualified to take my case were all out of state. The search was time consuming, but after searching numerous law firms, contacting some of them and rejecting them, I decided to call Dell & Schaefer.
By the time I contacted Dell & Schaefer I only had three months left to file my appeal. I was promptly interviewed, accepted as a client and Rachel Alters was assigned as my lawyer. Ms. Alters worked closely with me, and was diligent in completing my appeal, and was able to accomplish the submission in a timely manner. Approximately one month after the appeal was completed Ms. Alters notified me she had won the case without going to court.
Everyone I spoke with at Dell & Schaefer was very professional, and they returned my telephone calls or emails promptly. Before I had to retire due to disability I worked with corporate America, and I’ve dealt with numerous corporations and most of them do not operate at the same high level like Dell & Schaefer. I recognize the difference. I appreciate Ms. Alters and this firm. Without them I wouldn’t have won my appeal. My sincere thanks to you!
As far as my experience, I can not think of anything that needs improving.
I contacted Dell & Schaefer after my insurance provider stated that they were coming to visit me at my home to see how I was doing. I was so worried about what this meant after being on claim with them for three years. I always felt like I was always waiting for the other shoe to drop with them after going through a very stressful claim application process. Gregory Dell promptly jumped in and got to work at creating a solution to streamline and ensure my claim was not in jeopardy.
The staff has worked with me every step of the way to make sure that the process of receiving my benefits is a positive one for me. I no longer dread dealing with my insurance claim representative as they handle everything for me. They clarified that I could also apply for SSDI and with their help I started receiving SSDI benefits within months. This firm has been a great advocate for me and I highly recommend them.
My experience of working with Dell & Schaefer has been very positive. They helped me handle some very stressful transactions with my disability insurer. They have been thorough, honest, prompt and proactive. I feel very confident that they have and will continue to represent my interests in a professional and very competent manor. They are always available when I need them and the staff has been more than accommodating with their time to explain things until I felt comfortable. I am thrilled to have found them after years of the stress of working with my insurance provider alone. I only wish I new about them while I was going through the claimant process that took me 9 months and lots of stress and struggle all while dealing with a debilitating life changing medical condition. Dell & Schaefer are experts at how the insurance industry works and how to best serve their clients to ensure that they receive the benefits they deserve.
I have no recommendations for improvement. You have all been fantastic.
Very responsible, reliable, and efficient attorney group. Everything with my disability insurance claim has been effectively done throughout the entire process. Working staff is courteous, responsive and prompt. I have been a client since 2005.
I would recommend any person who needs legal assistance without any reservation as I found this attorney group most knowledgeable, efficient and trustful legal firm that would take care of problem with utmost sincerity and professionally.
More advertising and greater public presence so that more people with a disability claim could learn about you and receive your assistance.
When I first learned of my disability I was very lucky to have gone to Dell & Schaefer right off the bat. I had heard how difficult it was to deal with the insurance companies, and quickly learned NOT to talk to them directly, as every bit of information they gleaned from you was often used to your disadvantage.
My insurance carrier originally denied my claim. But because of Dell’s extremely competent involvement (I think brilliance), my claim was granted.
I was referred to Steven Dell at a very challenging time in my life and he and his firm were very kind and considerate in handling my case and bringing it to a positive result. I will always be thankful to Steven and Greg Dell for their help in my situation.
Their caring and professionalism is tough to beat.
I was understandably distressed when I was informed that CIGNA had terminated my disability benefits after ten years of payments. Their rational was that I was not bipolar even though I had lost my position as a partner in a national law firm due to bipolar disease, I was not in fact bipolar. I went on line and very quickly found that Dell & Schaefer had a sterling reputation. They really took me by the hand and guided me through the ERISA appeal process. They carefully explained everything. Not only was I treated in a professional manner; I truly felt that these people sensed my fear and pain, and were committed to doing justice.
Because they are very good at what they do, and very sympathetic in the way they do it.
Shoot all the insurance execs. Seriously, fight to hold the insurers more accountable. For example, when an insured can make a prima facie case that he has been denied or terminated in bad faith, there should be a range of 100% to 300% attorneys fee awards as penalties.
Prior to hiring Dell & Schaefer I was represented by a different law firm that was handling my disability claim. An alleged problem with my disability claim arose and my lawyer at the time scared me so much. A close friend recommended that I immediately speak with Dell & Schaefer, which I did. They were amazing in their approach, explained how there was no problem at all with my situation and took care of it within a week. They have been my attorney now for the past 7 years and have handled any situations or questions so professionally and quickly.
It makes a big difference using experienced disability attorneys as Dell & Schaefer who only handle this type of law and get the attention and respect of the insurance companies.
It was bad enough not being able to work and having health problems but then having the insurance company question me and stop my disability benefits was too much. Greg Dell did a good job of fighting them and all of the delay tactics they had. We prevailed following the filing of a lawsuit and now I can move on with life. My disability benefits were reinstated and I have continued to be paid. The insurance company sucks and it sucks that I needed a great hired gun like Greg to make those asshole robbers give me my money.
They get the job done.
Send out bottles of wine for the holidays!
My attorney Stephen Jessup guided me through the disability process simplifying it when possible. He remains actively involved even though my benefits have been approved.
Absolutely without reservation.
Dell & Schaefer has been a huge asset to have on my side! They have been extremely professional, knowledgeable and helpful. I certainly would not want to navigate the disability claim process without them working on my behalf. They lifted a huge load off of my shoulders while I was going through a very stressful and critical period, and worked hard to ensure that my rights under the disability policy were protected. They worked diligently to protect my interests, something the disability carriers will not do!
They are professional, hard working, and most importantly, extremely knowledgeable of the disability claims process.
Always responsive, always effective. Dell & Schaefer is second to none.
Because they are efficient, effective and get the job done.
I was very fortunate to have found Dell & Schaefer. It made things so bearable while I was going thru so much stress and pain with my RA. They were there and still are every step of the way. Dell & Schaefer put 100% and then some into my case. I waited approx. 6 months following my initial disability claim denial and when all was finalized Dell & Schaefer won my appeal. I felt like Dell & Schaefer treated me like a family member. They don’t just see you as a case number, they actually treat you like someone they know.
I would recommend Dell & Schaefer because they put their all into getting your case getting settled fast and efficient. They take away the stress of having to deal with so much paper work that is required to receive disability. It gives you time to focus on you and coming to terms with your life changes.
I can’t think of anything that needs to be improved. I have had Dell & Schaefer since 2003 & in this time I can’t find one thing I would change.
I was thoroughly pleased with the assistance Mrs. Rachel Alters provided on my disability case. Mrs. Alters possessed the knowledge and skills on disability laws which allowed her to win my case for me. I am thankful for her help and I highly recommend her to anyone who is seeking assistance with disability insurance claims.
Because the attorneys at Dell & Schaefer care about their clients and believe in assisting them to obtain the information they need to successfully win their cases.
I think if the clients were able to meet face to face with the attorneys initially it would provide a better sense of knowing that the attorneys have their best interest in mind when they take on their case.
I have enjoyed my working experience with the firm of Dell & Schaefer. Specifically, upon becoming my attorney, Greg Dell carefully managed all aspects of my case. He took the time to keep me both informed and calm as we navigated the sometimes difficult waters that led to my long term disability claim being approved. In the five years since my application Greg has expediently handled all of the inquiries made by my disability carrier. I feel confident going forward that Greg will ensure that I receive all the benefits to which I am entitled.
I highly recommend Attorneys Dell & Schaefer because of their high level of competency and service that they have provided for me. I am glad that they are on my team.
Professional, customer oriented, realistic expectations, no hidden fees.
All of above, specialist in disability, accessible, “accredited”, thorough, and positive results for my case.
You guys were great with getting my checks out to me and so forth. The amount that was quoted was true. Everyone was very professional.
If someone out there is having a problem with getting what they should be.
I have had a great experience working with Dell & Schaefer. They have always responded to my inquires in a timely manner and have always achieved positive results with my claim.
I would recommend Dell & Schaefer to any disability claimant because they are serious and efficient in their handling of all the insurance companies paperwork. They won’t let the insurance carriers bully or intimidate their disabled clients and that is the most important point in hiring an attorney to represent you in these matters.
I am a satisfied client since March of 2008 and I have no complaints at this time.
My experience has been very positive since Dell & Schaefer have been handling my case. I have met personally with Mr. Dell who always is available to talk with me and address my concerns and questions, the support staff treat me as if I were a family member, in a caring manner while performing at an outstanding professional manner. I highly recommend this firm, and would gladly speak to any future clients if they have questions.
I would refer anyone to retain their services because I feel at ease and peace of mind in feeling that I am in good hands. They have the knowledge base and know the law as it relates to a chronic illness.
Before I retained attorneys Dell & Schaefer, I was very intimidated by my disability insurance carrier. You feel like you are committing fraud by the way the insurance company talk and communicate with you. So I decided to contact attorney Greg Dell and he was so cordial and very professional to explain to me the whole process. It is important to have legal advice when dealing with these disability insurance companies. I’ m so thankful to have retained attorneys Dell & Schaefer to represent me. You feel like someone is working for you. All my anxiety and worries in dealing with my disability company are gone.
You want a law firm with experience and expertise in disability claims. And by what I have seen, Dell & Schaefer is the that law firm.
I was referred to Dell & Schaefer thru a network group of top clinicians who gave them a very positive recommendation. I was not disappointed. Dell & Schaefer’s organisation, confidence and direction proved invaluable during a very frustrating and emotional period. We were fortunate to get them onboard at onset of my medical problems, and their help was pivotal as the demands of my illness and the claims procedure became very challenging. I can’t say enough positive things about Stephen Jessup, Greg Dell and the many valuable members of their team. They possess unique knowledge and experience critical for success in this field, and demonstrate a sincere commitment to success for their client. These are highly skilled professionals who provided outstanding guidance and personal support through the processing and management of my professional disability insurance claim.
I have every confidence that Dell & Schaefer are simply the best at what they do. I sincerely doubt you could find any better representation for a professional disability claim.
I have worked for AT&T for 41 years and have never had a disability claim. I woke up one morning in severe pain and to make a long story short I was diagnosed with spinal stenosis in my neck. AT&T and Sedgwick Claims Management Services denied my claim until Gregory Dell took over my claim and eventually I was paid for six months after he won my appeal. I was immediately denied again by Sedgwick following an IME exam. Without the help of Gregory Dell and his associates I don’t know what I would have done. AT&T’s claims management company Sedgwick tries to scare you into coming back to work and jeopardize your health. Dell & Schaefer lawyers know what to do and let you concentrate on working on your health problems. I feel lucky to have Gregory fighting for my disability benefits.
They get results along with being caring.
My experience with Dell & Schaefer has been excellent. Courteous, prompt attention and questions answered precisely. Organized and efficient.
Experience and knowledge.
The firm, and especially Danielle and attorney Stephen Jessup, were prompt in replying and responding by e-mail and phone calls to my questions regarding my case. They were empathetic to my conditions and situations. They worked hard to develop a full and complete case for review. They helped me to achieve a lump sum settlement through Mediation. I am pleased with their work on my behalf.
Attorney worked very hard on my behalf. Help will be required to obtain any ERISA disability benefit.
My chronic health problems had progressed to the point that it was impossible for me to continue practicing my specialty as an obstetrician and gynecologist. With my physician’s support and excellent own occupation professional disability insurance policies I began the application process solo and with confidence that approval would be easy. After several months of endless and confusing demands for documents, files, records and reports by the insurance carriers I was in a panic over the realization that I was in over my head and that my entire financial future could be ruined by mistakes on my part during the application process.
Having seen ads by Dell & Schaefer, I contacted them on-line with a summary of my situation. A phone call was received from Gregory Dell within hours of submitting the on-line inquiry. His competence and knowledge was immediately apparent and reassuring. After a thorough discussion of my case I could not copy the files fast enough to get them to his office and in his capable hands. End of the story is that the results were much better than I could have imagined. Money is not one of my problems.
I had briefly spoken with three different attorneys who all were supposed to be experienced with disability claims prior to starting my application process. None of them seemed to know anything about the various steps involved or could provide any usable advice. Dell & Schaefer demonstrated a complete understanding of every aspect of disability insurance. I continue to be most impressed by their immediate response to any and every question, email, or phone call that I make to them.
They don’t work cheap. However, in fairness, you get what you pay for.
I first tried to work with insurance company that I had the policy with for over ten years. They blocked every way they could to stop me from getting my benefits. Attorney Steven Dell and his firm helped me from day one and in a very short time guided me through the mess and I started to receive my benefits. I’ve been with Dell & Schaefer for two and half years and they continue to help and support me when the insurance company starts to try and stop the payments to me.
They are there when you need them and always answer your calls and questions.
Not one thing.
“Invaluabe!” Without the experience and expertise, not only would my disability benefits been delayed but the difficulties navigating the continued process would have caused additional delays. Dell & Schaefer has proven to me the importance and value, beyond a shadow of doubt, of an experienced, qualified and meticulous legal representation such as that provided by Dell & Schaefer.
Continue to do what you are doing and listen to the feedback provided clients like myself.
Hearing from your doctor that you are no longer healthy enough to work was one of the most difficult days of my life. Dell & Schaefer helped me navigate through the challenging process of collecting disability benefits. They allowed me to focus on my health while they took care of my financial concerns. I simply was not well enough to fight with the insurance company myself and it was such a relief knowing that they were fighting for me.
They were professional, genuinely concerned, easy to communicate with, and above all great at what they do.
Everything went very smooth, all done in less than 2 weeks. I no longer have Cigna’s B.S. in my life. What a relief!
Not many law firms handle lump sum offers for long term disability.
Dell & Schaefer were the only attorneys that were willing to fight my case with the Reliance Standard disability insurance company. They took a chance even though I had already been rejected by Reliance. They won my case and have helped me to survive through several serious illnesses. They are always quick to respond when there is a question or problem and they are still fighting for me against all odds.
I don’t really know what more you can do just keep fighting for the working man.
A very effective and professional law firm who believes in being dedicated to their clients. Dell & Schaefer are committed to getting the job done with a successful ending.
Very easy and no hidden fees. I received more in my settlement than I expected. Attorneys Dell & Schaefer are easy to do business with and very reliable.
I found Mr. Stephen Jessup of Dell & Schaefer to be friendly, knowledgeable, responsive and unfailingly professional. I received a settlement and everything was completed within the time frame discussed. For these reasons I highly recommend Mr. Jessup for professional services.
It was a frustrating experience to deal with the impersonal folks at the insurance company when they were paying the benefits because they always were late or changed the requirements. Then they just stopped paying what was suppose to be a lifetime disability benefit.
Thankfully we found Dell & Schaefer who explained our recourse to us in detail so we knew exactly what to expect. We didn’t just lay down and play dead, we got the experts on our side. Dell & Schaefer were easy to do business with and kept us well informed.
If you want a professional law firm that does not give up and gets the results you expect, Dell & Schaefer is an excellent firm to utilize. They are very accessible and will communicate with you in an amicable fashion and make sure you understand what needs to be done to be successful. I got a big lump sum from an insurance giant in the disability field after being denied initially and they went up the ladder to speak to a key player there that saw how a lump sum settlement made sense for both parties. I am a physician and have spoken to many attorneys but if you want the best out there, this is the firm to utilize and the odds are good you will win your case.
Professional, always accessible, do not give up, always take action on your behalf and in your best interest. They are the best out there. They are able to communicate gracefully to show the ins. co that a settlement such as my case makes sense for all parties. If you push them or ask for some action on your behalf, they will accommodate you and WIN.
I am an attorney myself and I have been extremely impressed with the quality of the representation at Dell & Schaefer. Even though at the onset of my claim I lived in California working with the firm based in Florida was absolutely no problem. Their expertise in this area and the quality of their written appeal was outstanding and ultimately successful. My husband who is also an attorney and I are happy to recommend Rachel Alters and her firm to anyone who needs assistance with a disability insurance claim matter.
I have been with Dell & Schaefer for nearly 10 years. Having initially worked with one of the founders, Steven Dell, and now, his very capable son, Gregory, I have found them to be trustworthy, as they are reliable. They have expertly handled all issues related to my disability.
Their ‘customer service’ is a result of the personalities that are exposed to their work environment – and it shows. The employees as well as the ‘bosses’ are not only seriously competent, but they are a pleasure to work with.
Maintain that cheerful/hopeful and confident environment – not an easy task when confronted with the ‘devastation’ of disability.
My experience was very pleasant & an easy experience. I dealt with Alex who was very knowledgeable, understanding & quick to help with my situation. Thanks again for all your help.
On approaching age sixty-five, there was some question regarding continued benefits for disability resulting from accident as opposed to sickness. My insurers required extensive personal documentation as well as attending physician assessments to justify my claim for benefits beyond age sixty-five, i.e. lifetime benefits. It was then that I sought assistance from a firm specializing in Private Disability Insurance Law.
My search lead me to Dell & Schaefer where I’ve had the pleasure of working with Attorneys Steven and Gregory Dell. Their representation of my interests have resulted in a very smooth and efficient relationship with my insurers.
I found that several firms that would represent me were getting an education at my expense. Dell & Schaefer knew exactly what to do and how to get things done. They’ve provided an excellent service.
Keep doing what you’re doing.
My attorney made All the Right Moves to get what was coming to me as quickly as possible.
They are the best. And I should know.
Hire more guys like Caesar.
I personally got an LTD claim overturned; however, that took months, 6 and 1/2, and a lot of financial help from family. As soon as I turned to Dell & Schaefer, which I did extensive research, I was put in touch with Stephen Jessup and Gregory Dell. If you are looking at this page, you know, how hard it is to manage your health, doctor appointments, and just everyday life. I knew after I won that appeal I only had time to fight for my health and family.
Dell & Schaefer takes care of all interactions with the insurance company, and I get a monthly check, which I paid into, but it is no longer me taking on the insurance, I know I have the right team fighting for me and my family. Thank you for all you do Dell & Schaefer, and for making it be easy on me. I recommend your attorneys because they have done right by me. I am only one person; however, if I so much as send an email, or call I have a reply within a few hours. I feel like I have kept my identity with the law firm. I’m known as Bonnie and I am treated as an individual, as you should be.
In my first phone conversation with Greg Dell he asked a series of probing questions for about ten minutes, and one could sense he was building an understanding of my case and me as a person. I have worked with him almost a year, and he has always been available with a thoughtful answer to any question or concern. He has a thorough knowledge of my disability policy and the workings of a major insurance company like Unum. I have a distinct feeling that Unum knows it will not be able to take advantage of me. Greg has an uncanny insight into the core of any issue and is always thinking several steps ahead. At first I found this amazing, then -remembering he was on my side – comforting.
At the start of this journey I was not feeling very positive. The letters from my insurance company and their phone calls gave me little hope. I met with Mr. Jessup and he reviewed my file with me carefully and he explained his feeling very carefully to me. He was positive and I felt a sense of honesty and concern. The process did take a few month and I was not very positive. This firm continued to ask me to hang in there and we will fight for what you deserve. Their honesty and positive communication was so helpful to me. Mr. Jessup and his support staff always returned my calls and gave me hope. My claim for long term disability benefits was approved.
Dell & Schaefer immediately calmed the fears I had with the disability process. They made everything clear, concise and very easy to understand. They were extremely responsive to my questions and concerns and they always returned phone calls. All of that was important, but in the end it is the result that counts. Dell & Schaefer gave me the result I wanted so quickly, I could never recommend anyone else. They are the best out there.
I have worked with other attorneys in the past and many did not perform professionally, nor did they equal up to their claims on their websites. Dell & Schaefer met and exceeded their claims. They took as much time as “I” needed, not what “they” needed.
I realize we all have room for improvement, but given my excellent experience with Dell & Schaefer, I have no recommendations for improvement.
Great to work with, very experienced at what they do and truly work for the client. Always were available for questions and it was great not having to deal with the insurance company any longer. You definitely have to have a lawyer on your side. It was such a relief after contacting Dell & Schaefer. They took over everything allowing me the time to focus on my multiple sclerosis.
Peace of mind. Burden lifted off of me. At first I thought I wouldn’t need an attorney even though everyone told me to get one. In the beginning the insurance companies are nice then they turn nasty not only with me but to my husband and mother. They do everything they can not to pay you. Once you get a lawyer everything changes.
Nothing, you were great.
Dell & Schaefer were wonderful to work with. They got me my monthly payment back when the insurance company stopped paying, as well as a lump sum payout when I requested that they try and do that for me.
Because they always take your call or respond to your email, they make your case a priority, and they know what they are doing in the disability arena.
Nothing. Everything’s been great!
My disability claim had reached the 10 year “any occupation” point. The appointed insurance claims representation began calling and asking several questions and requiring that I answer, while indirectly threatening that my claim would be canceled if I did not answer immediately. It was very unkind and stressful to be threatened in this manner.
My claim was then set for cancellation after my medical records identified a temporary period of remission. They used one sentence of ten years of records that was based upon how I felt that day during that appointment. I contacted Dell & Schaefer and Attorney Gregory Dell responded to my e-mail within hours and on a Sunday. I was assigned to Rachel Alters. The insurance company asked me to do some pretty unsettling things, a physical capacity test that was being requested by LTD carrier to confirm their cancellation. Rachel was honest, direct and comprehensive while being timely and efficient. That is a hard find in any business to client relationship.
On a scale of 1-10, I give this firm a 10 and including all of the support staff, including the department that issues checks. On a cost basis, I don’t understand how they do it b/c I would have expected to pay a lot more than what I have been charged. Not to suggest I want an increase, bottom line – This firm is the best and I am so appreciative because there is no way I could have gone into “any occupation” with my disability.
A 10 requires no improvement, to date, which has been over a year, I am 100% satisfied. I hope to see others that need your level of professional, honest service find their way to this testimonial. Thank you Rachel Alters and thank you Dell & Schaefer.
When someone has to apply for disability insurance when ill it can be a life altering event. I have always found Dell & Schaefer to be honest, caring as well as patient, as I had all of my questions answered during the application process as well as during the continuation of my disability claim.
Dell & Schaefer always responded to all my questions in a timely fashion. They have been an invaluable resource throughout the claim process. The support staff is very professional and this is why I continue to use the firm.
I first started working with Dell & Schaefer after two failed back surgeries forced me to stop working. I was the major breadwinner of our family and had a very generous compensation package that included long term disability. I was certainly glad to know that I had the long term disability policy to help us during this major change in my family’s life. I was surprised to learn that long term disability means something very different to the insurance company (MetLife) who held my policy. They wanted to place an 18 month restriction on pay out and wash their hands of me. Hardly “long term”.
I hired Dell & Schaefer to fight for me and that they did. They were well schooled in the tactics of insurance companies and they expertly navigated the many barricades the insurance company placed in front of me. They were extremely knowledgeable in all areas of the law and quickly identified a course of action. They were fair and sensitive with my personal concerns and I always felt that I had an advocate on my side. Their experience proved invaluable as they were able to successfully argue my case and win my long term disability case, securing my benefit and my family’s income needs. And they continue to support me, as insurance companies continue to find ways to challenge the validity of your claim even after the initial decision is made in your favor.
Dell & Schaefer handles everything for me. This is an extraordinarily difficult thing I have had to endure. Without this money, I have no idea how my family would have been able to survive. Insurance companies can be brutal on individuals and when one is at their most vulnerable as I was, it is critical to have a knowledgeable and powerful attorney on your side. I like the fact that I don’t have to worry about anything and that everything is handled for me by Dell & Schaefer. I am glad to recommend Dell & Schaefer to anyone who needs a strong advocate on their side.
It was a great experience I had with the whole team. Whoever I worked with through out the whole process was very responsive, detail and time sensitive. The cost arrangement was discussed up front so I knew exactly what my cost would be. My case was discussed in person, all the documentation I had available, I provided. Some specific statements were requested of me, friends and family. It was reviewed by Dell & Schaefer and it was determined that I had a strong case.
The appeal was submitted before the deadline and I had a copy of it to review. I was very pleased of the whole content of the submission. I read all the strong points of the appeal and I knew at that point that it was a very strong appeal case and one way or another Dell & Schaefer would win the case. It was a matter of principal for me and I feel that I got my point across to my employer. I could’ve waited to go through a trial but I did not because I really did not want to have this issue hanging over me any longer so agreed to settle my case.
They are very detailed, responsive, up-front, they tell you if you have a strong case, tell you the angle that they’ll use to go after your case, get all the appropriate documentation so as to back-up everything they say, they are time sensitive and keep you updated as time goes by. They are a great team! I had my concerns at first because they are not local but they gave me all the time I needed to have any discussions and ask any questions.
After a spinal injury and subsequent surgery which left me unable to continue working, I filed for my long term disability benefits on my own. As the extent of my injuries and disability were obvious, I expected that I would have no issues receiving the long term benefits through my employer’s carrier for which I had paid for several years. I could not have been more wrong.
After receiving a denial from the long term disability insurance carrier for the claim I filed on my own behalf, I researched legal firms specializing in assisting persons like me, who had been denied their benefits. I chose Dell & Schaefer because they had over 30 years successfully advocating disability claims; their reputation for obtaining benefits was stellar; and, after my initial consultation, I was impressed with their knowledge and professionalism.
Attorney Stephen Jessup did an exemplary job in obtaining a reversal on the denial of my long term disability benefit claim. At every step in the process, Stephen kept me informed, discussed all the issues with me, and treated me with respect and dignity. I appreciate the continued assistance and support of Dell & Schaefer and their team of knowledgeable disability attorneys and support staff. I would recommend Dell & Schaefer to anyone seeking to receive long term disability benefits for which they are entitled. This firm is successful in obtaining benefits for disabled clients. Further, they are knowledgeable, professional, personable, and most importantly approachable and responsive.
I had a very pleasant experience working with Rachel Alters from Dell & Schaefer. I very quickly found out that there were no attorneys in my town that had much if any experience when dealing with ligation for a previous employee and the Long Term Disability Company. Once I found Dell & Schaefer I was introduced to Ms. Alters and gave her my information. My case from there was moved forward very quickly.
Ms. Alters worked with me via phone calls, email, fax machine and FedEX. Everything Dell & Schaefer provided as a law firm was exceptional value to me. My case was handled swiftly. I received great Customer Service. My voice was heard through Ms. Alters and I never left my home. Throughout a handful of conversations my case was settled without ever going to court! In a manner of about ten months from start to finish is all the time that it took to resolve the case.
I would recommend Dell & Schaefer because of their professionalism, their outstanding knowledge in the field of disability litigation, the ability to keep the “human aspect” in the big picture and have the client understand the legal process as it unfolded. What I was told by Ms. Alters is what happened, and that honesty meant the world to me!
If there was some way to increase your advertising. I did find you, via Google. I love your website. No attorney that I knew, knew anyone to call with experience. One attorney wanted $5,000.00 up front to take my case! Then I got lucky and found DELL & SCHAEFER!
Well Dell & Schaefer agreed to take my case, when other firms I contacted were not sure if they could help me. It was complicated to say the least, but Dell & Schaefer cut through all the red tape and got me the benefits that I deserved. I am very pleased with the way they handled everything. If you want real resolve call Dell & Schaefer and put them to work on it, you will be happy just like me.
When I called Dell & Schaefer I felt hopeless. When I called, a phone conference was immediately set with an attorney, Rachel Alters. The attorney listened carefully to my story, and my concerns. She was thoughtful even as I had difficulty holding back my tears and maintaining my composure. I sent several documents via e-mail and fax and she returned my call within a very reasonable amount of time. I was so grateful when she agreed to take the case.
The attorney had an assistant that was also helpful. I felt very well advised and confident that Dell & Schaefer and my attorney were on my side. I was also relieved to know that once I sent the information to the firm that my work, such as reviewing and completing paper work, or calling doctors for further documents, was mostly finished. They took the reigns. I didn’t have to try and keep fighting all by myself. I was already exhausted by my disability and the legal fight was making my life even more miserable. After what seemed like a long time, although only six short months, Rachel called to tell me that she had a settlement offer from the insurance company that had denied any benefits to me for over 2 years. Rachel and each staff member treated me with respect and understanding. I am very grateful for their help and so grateful that a firm exists that can fight against these big insurance companies and win.
I would recommend Attorneys Dell & Schaefer because they fought for my case. Contacting them and working with them truly changed my life. They are aggressive with the insurance companies. I also believe they will only take cases they believe are solid and likely to be won which is good for anyone with a disability because then the firm is not just working on the basis of volume.
A few years ago I found myself unable to work and needing treatment. While I was getting the treatment I needed my employer fired me. This left me still needing treatment as well as needing to find a source of income. Not knowing where to turn or what to do my wife an I contacted Dell & Schaefer for help. Upon speaking with attorney Stephen Jessup we felt assured that we had found the help we needed. Attorney Jessup worked with the attorneys from my former employer and explained my situation to them. During the weeks of negotiations attorney Jessup kept us informed as to the progress and ultimately called us with a settlement offer. We were so relieved and grateful!
But that is not where our story ended. After informing us of the offer presented by my former employer, attorney Jessup advised me that he felt he could get us a better settlement with just a bit more time. I discussed it with my wife and we both felt confident in attorney Jessup’s advice so we allowed him to further negotiate on our behalf. Sure enough, a more equitable settlement was reached in a very short time. During the entire process attorney Jessup and the staff at Dell & Schaefer handled everything with very little input needed from us. This allowed me the time and reassurance that I needed in order to heal. Their professionalism and reassuring manner never left me feeling concerned that I wasn’t being fully represented despite the fact that they rarely needed participation directly from me. In the end my confidence in them was rewarded with a better settlement than I was expecting. My wife and I are forever grateful. From my experience it would be very difficult for Dell & Schaefer to improve upon their process.
I had a disability claim that was denied by a major insurer and through searching I found the firm of Dell & Schaefer and decided to give them a call. From the moment I placed the call I felt like the whole firm was devoting their time to my case. I was very fortunate to get Attorney Rachel Alters to represent me on my case. This was a decision I am very glad to have made. From the time of my first conservation it was a totally professional group that I knew I was dealing with, yet it seemed her goal was to only help me in my disability claim. It took a considerable amount of paperwork due to the number of Doctors that I had been seeing. As I would return to see one of my Doctors they would always comment on the professionalism and concern shown on my case. Rachel Alters was able to get me a fair settlement and I do applaud her and her firm for an outstanding performance in my case.
I have dealt with many attorneys and law firms during the past 40 years of my employment and I can without any reservation or doubt assure anyone that this has to be one of the best firms that I have ever dealt with. From the first conversation to the final settlement I was very satisfied with this firm and their staff.
It would be very hard to list anything that you should improve on. I feel that both your firm and especially dealing with Rachel Alters is an unbeatable combination. Not only me but others who you requested information from had very high regards for your firm and employees.
Rachel Alters was very competent, thorough and reassuring. She worked very hard to bring a settlement to the table as quickly and painless as possible. Dell & Schaefer are Top Notch Attorneys!
Dell & Schaefer has been great to work with and very responsive to my needs. After I was diagnosed with an incurable chronic health disorder (Meniere’s Disease) which rendered me unable to work, I had applied for long term disability after working with the same company for 36 years. The insurance carrier was great to work with until my short term disability had expired. After over a month without any income, no communication; except to contact me to question me about my job performance, I started to pressure them to take action on my long term disability application.
They told me that it would be another month before they could get back to me. At this point I felt the situation was hopeless. I contacted Dell & Schaefer, they immediately responded and quickly contacted the insurance carrier via letter. Two weeks later I was approved. I have had excellent experience with the firm. They keep me informed and always respond in a timely manner. They are proactive and provide great support when I need to respond to any requests from my insurance carrier.
After being denied on a long-term disability claim by a private disability insurance company, while dealing with a difficult and painful case of chronic Lyme disease that has made it impossible for me to work, Alexander Palamara and the staff at Dell & Schaefer helped me to get a fair settlement that will help me financially. Dell & Schaefer was incredibly easy to work with. They understood the complicated health problems that I was experiencing, which isn’t always the case in the field of Lyme disease, a field in which there are still many unknowns and many disagreements within the medical world. The staff at Dell & Schaefer made the complex legal process as clear and straightforward as possible, and I was, and remain, extremely grateful for their kindness, their assistance, and their legal expertise. I would totally recommend Dell & Schaefer to anyone needing legal help with a complicated disability claim.
We worked with attorney Cesar Gavidia and the experience was absolutely an A++++. As a professional, I can tell you that EVERY aspect of my experience with this law firm was superior and Cesar far exceeded any expectations I had! They don’t miss a beat! Cesar walked us through every aspect of our case. He made sure we had all the information that we needed in order to make the most informed decision. His input was invaluable and he clearly knows the ins and outs of this area of law. He’s a solid negotiator, fabulous coach and won us a terrific settlement.
I wouldn’t hesitate to recommend this firm. They have integrity, great follow-up and follow-through, and are on top of their game. They’ll get you the settlement you deserve!
NOTHING! Our experience was fabulous. As they say… “you guys rock!!!”
My experience with Dell & Schaefer has been excellent. My questions are always answered and phone calls are always returned the same day if possible or the next. When I send an e-mail they are always answered. I would recommend Attorneys Dell & Schaefer because they are very professional and if it was not for them I don’t think that I would have won my case.
Cesar Gavidia handled my case and he was responsive to questions that I had from the very beginning until the end. I hired Dell & Schaefer to file a lawsuit after my long term disability claim was denied. I was represented by experienced professionals throughout the process and that fact was especially evident during the mediation phase. I was satisfied with the settlement they were able to obtain for me. Something that I could never have done on my own.
Alex Palamara was very personable and professional. He was pleasant and understood my frustration of being turned down by Liberty Mutual for disability insurance benefits that I qualified for. He always returned my calls and emails in a timely manner. The staff was also helpful and kind.
Since day one I continue to have a very positive experience working with the Dell & Schaefer Law Firm. I am especially grateful to attorney Stephen Jessup who was assigned to my case in early 2010. Steven Jessup and Anneli (Registered Paralegal) are always available and very professional in managing my case in a timely manner. Steven explained the entire (LTD) process to me from day one when I became disabled and unable to work due to my disabilities and had my case approved very quick working with my LTD carrier. My health has worsened since then with a life threatening disease and several surgeries / conditions later. He always answers all of my questions in a timely manner and always has a positive outcome for me. I feel highly represented & grateful with Steve as my LTD attorney which enables me to take care of my health to the best of my abilities without worries.
Steve, I sincerely appreciate all you and Dell & Schaefer have accomplished for me from day one in representing me regarding my case in a very quick and timely manner. I would “most definitely recommend” Attorneys Dell & Schaefer to anyone in dire need of the best in legal representation & counseling in short & long term disability cases.”
God bless to you Steven, Anneli, Greg and all of the Dell & Schaefer Law Firm!
Integrity and honesty is an important attribute to me. My Dell & Schaefer (D&S) attorneys meet and share these attributes. D&S have an entire staff dedicated to serving their clients. They’re all very approachable and friendly while keeping the client’s best interests at the forefront. You can contact or call them at the drop of a hat and they’ll assist you. You’re not treated like a number; you’re a respected individual and friend. They care. That’s how they make me feel. They often ask how I’m doing; how I’m feeling (I’m in a lot of pain). Most of all, under their protective umbrella, you don’t have to deal with the insurance company. D&S does all that. They keep things straight. It’s comforting. I would not hesitate to recommend them first and foremost for any disability legal needs.
I’m a retired Army Soldier. I’ve been disabled for about four and a half years. I was working for a company (post-military retirement) when I became disabled after an unsuccessful service connected C-spinal surgery that caused me serious complications. My disability is permanent. I had disability insurance with the company that I worked for as an added benefit. After I went down, and once I met the 6 month period for long term disability, the Hartford insurance company began paying monthly disability payments; however, they were always requesting additional information. It was always repetitive information, non-stop, i.e., asking for the same information I had provided only a few months prior.
They wanted repetitive doctors’ statements. I saw many doctors in my state in an attempt to fix or reverse what was damaged during my surgery in an attempt to return to work. My doctors all said the same thing. My medical condition was permanent. They all said I would not improve or get any better through more surgery or physical therapy. In fact, it might have gotten worse if I tried more surgery. There was nothing the neurosurgeons could do for me other than pain management, and continued PT for pain management to improve my quality of life. My disability insurance company continued to hound me for additional information despite what the doctors had already provided to them. It was ridiculous and it was obvious that the insurance company was trying to find anything to negate the policy.
About 18 months ago the Hartford insurance company requested an “in-home” interview with me. Despite the fact that my medical documentation was excellent and well documented regarding my disability, I had grown tired of dealing with this company on my own. It had become stressful to the point that my health was suffering even more. I had no idea how to handle this powerful company at the pending interview and I felt I needed legal representation to get them off my back protect my rights during the interview. That’s when I decided to enlist the help of Gregory Dell. I found him on the internet, watched several of his You-tube videos, and I was convinced that he was the legal representation I needed to guide me and protect me from this insurance company and my right to disability benefits.
From the moment I contacted Gregory Dell and his attorney associate Alex Palamara, the lead attorney who handles my case, I was treated with respect and dignity. With little notice, both of these attorney’s guided me through a successful interview with the insurance company. They were present (via telecom) during the entire interview, which took about two hours. They had told me to be myself and to be totally honest with the investigator during the interview. That I was, but when I was offering too much information to the investigator, they would tell me when to stop. They’re experts in disability legal matters. I’m not and I listened carefully to their advice and direction. I’m glad I did.
I am a 62 year old woman that got ill and was unable to work. I had long term insurance that was paid by my job. One day I received a letter from the Hartford insurance company saying that I would not get paid any more since they thought I could perform any job.
I did not know what I was going to do since I could no longer work and my social security was not enough to pay my bills. I called a lot of attorneys in California and was not able to get a lawyer to take my case. I went on line and found Attorneys Dell & Schaefer. The reception took my name and in less than an hour I got a call from attorney Stephen Jessup. I told him what was happening and he listen to me and started the paper work. Now I’m a very happy person because Attorneys Dell & Schaefer won my appeal and got my long term insurance payment started again. They are always on top of things.
I have been very pleased with them and their office staff because when I call their office I always talk to a real person, they are very fast at calling me back and answer all my questions. I would highly recommend their service to anyone in need of an attorney.
My experience with Dell & Schaefer was a very positive one, the staff is very pleasant and courteous, the attorneys are highly versed in the field of disability and prepared me well for every stage of the filing process. I am very happy with the work they did and the outcome of my case. I would highly recommend them without hesitation. They did what the said they would do, and they were very reasonable in their fees.
I am a medical oncologist with the diagnosis of Parkinson disease for last 6 years. My disease was slowly progressing over the years, up to the point it start to affect my daily work responsibilities. I handed my case to Attorneys Dell & Schaefer. Mr. Jessup was my lawyer who took care of my case. He did an excellent job taking care of every step in the process of approving my long term disability claim with Prudential insurance company.
Based on my experience with Mr. Jessup office, I highly recommend anyone who needs help with their claim for short/long term disability to contact his office. They will do superb job taking care of all the necessary steps. Attorneys Dell & Schaefer firm are very professional. They know how to deal with the insurance company and disability issues. The team is available any time to answer questions, I cannot thank them enough for what they did for me.
My experience was amazing. I live outside of the United States (Puerto Rico) and never had to travel to submit any document or maintain direct communication with the firm. My disability claims was resolved in 1 month when I expected it to take a long time. They were very professional in their approach and very committed to their work.
I am happy to share my positive experience of being represented by the firm of Dell & Schaefer for my disability claim. When I first called for a consultation I was immediately put through to Stephen Jessup who was so professional and took his time to explain the Disability law to me. Thereafter I retained the firm and Mr. Jessup began to represent me.
I have nothing but praise for him and his staff. They have made this legal process so much easier for me and have taken my worrying away from me and handled everything. They keep me informed of all that is happening with my case and promptly respond to my emails and calls to answer my questions. I would not hesitate to recommend this firm as they are highly knowledgeable on the law and are very professional.
Mrs. Alters was very professional, nice and effective, I was able to obtain disability insurance in a case that could have become quite difficult due to the characteristics of the disability.
Because they were quite effective.
I am a financial advisor with 28 years experience and a very good knowledge of DI plans. Recently I recommended a client of mine to Cesar Gavidia after 5 different firms declined the case unless placed upon retainer. Cesar cut through it all and within a few weeks got an acceptable settlement for my client. I cannot express how pleased I am with Cesar.
You are very kind and I am grateful to you and Greg and the work you do to help me rest. Thank you so very much. I know words are often just words and can be cheap but I truly feel a since of gratitude and would like you both to know you make a positive difference for those much to broken to stand up for themselves even though they may have once been very capable.
We all have to be grateful for our good days as there is no promises in this life, something I never understood prior to a couple years back. Your work is the work of an angel to protect those less fortunate and you should be proud in each moment of your career. I am proud of you and Greg. Thank you.
I became another one of Hartford’s victim to have my LTD claim denied after 2 years, based on a report from one of their IME hired guns.
From the beginning Rachel Alters was very informative and professional, as we discussed my options. Every time I had a question for Rachel, I would get a response within hours. Within a few months of hiring Dell & Schaefer, I was completely shocked and happy that we resolved my claim.
I wanted to let you know I think Rachel is one of the most professional persons I have ever had the pleasure of dealing with and with people like her, you must have one hell of a Law Firm. I want to thank Rachel for the superb job she did and let you know I think your Law Firm is Top Notch in my book. In closing, I’ve spent a lot of spare time reading the ERISA act. When it was voted in, in the 70’s it was a good bill. And then in the 80’s when the insurance lobby added LTD, it gave them something to hide behind and deny a lot of legitimate LTD cases. If you ever need a client in to explain what I went through, I’d be more than happy to do so. If anyone I know experiences what I faced with this Long Term Disability case, I will surely point them to your Law firm.
Dear Mr. Dell,
I was given your name as a referral for representation for the counsel and filing of a disability claim on my behalf. I understood that this would be a challenging effort and that it would be time consuming, frustrating and nearly impossible to do on my own. Our initial meeting was so reassuring that I hired you on the spot. The navigation of my office sale, the negotiations, the process of dealing with my illness and its symptoms and the entire ordeal seemed overwhelming at times. You and your staff were and remain amazing. Your conscientious and genuine concern were so reinforcing, your timely and efficient follow through was consistent with the service you promised and often exceeded my expectations.
I suppose I should add that my disability insurance carrier must have been equally impressed by your individual and team efforts as I was granted a full approval for my claim. There was no way that I could have achieved this without your excellent, ethical and efficient representation. I would also like to add that your assistant was a godsend. A sympathetic and caring soul, her attention to every detail and her patient attention to my needs during the process added greater confidence and support for my efforts.
Mr. Dell thank you again for making this process easier to navigate for me. Please feel free to give my contact information to anyone considering your services as I would be happy to serve as a permanent source of endorsement for you, your staff and your excellent performance on my behalf. Thanks again, you are a life saver!
Alex Palamara at Attorneys Dell & Schaefer was excellent! I would absolutely recommend Alex and his firm. Everything was handled excellently.
This firm is knowledgeable in handling disability claims for professionals. It’s important to use a firm with experience because when it comes to filing for disability benefits. You can’t afford to be part of a rookie’s learning curve.
I had an awesome experience working with Dell & Schaefer. I especially love the attorney Stephen Jessup who was assigned to my case. He was very professional, a great listener and kept me updated with the status of my case. Steve explained the entire process to me. He answered all of my questions in a timely manner. I believed that he really worked for me. I felt very comfortable and confident with Steve which enabled me to take care of my health without worries. I wished that Steve could be cloned for all areas of the legal arena. I would most definitely recommend Attorneys Dell & Schaefer.
Having a diminished capacity to work is stressful. Having a knowledgeable advocate helped ease my mind and I was grateful beyond my expectation for the positive outcome achieved by Dell & Schaefer. I thank you and my family thanks you.
I was diagnosed with multiple sclerosis almost twenty years ago, though I was able to work until 2011. During my company-sponsored short term disability I applied for long term disability with Aetna. Aetna waited until the final week before telling me that my claim was denied. Dell & Schaefer completed and submitted a comprehensive appeal package and Aetna reversed its decision. I am now back under the long term disability plan and receiving benefits each month. Thanks!
I hired Dell & Schaefer after Hartford denied my long term disability benefits. Attorney Alex Palamara worked very hard and won my case following an Appeal. No matter what I asked or when I asked, they were always available.
I was very pleased with the service and the professionalism that I received from Dell & Schaefer. Stephen Jessup and staff showed extreme care while handling my disability case, keeping me informed every step of the way. The service that I received was prompt and courteous. I was very surprised by the way they were able to go in and settle my case for more than I expected and it was done fast. Thank you for all that you’ve done for me and my family and the effective and efficient way you handled my disability case. I think that Dell & Schaefer do an excellent job being both professional and caring when dealing with clients.
I contacted Dell & Schaefer to help when UNUM disability insurance company refused to pay my claim. Cesar Gavidia took my case and helped me all the way through, negotiating a settlement that was so helpful to me in my disability. He was very supportive and kept me informed every step of the way. It made our efforts very worthwhile.
My experience with Dell & Schaefer was positive in all aspects. I called on the firm after I had appealed my disability insurance companies decision to drop my disability benefits. If I could go back, I would have let them take care of not only my appeal, but my long term disability claim from the start of my claim. I was totally satisfied with Dell & Schaefer.
Cesar was able to smooth out my hesitations in the amount of money I was being offered by the insurance company in the buyout. I appreciate his patience with me. He was very professional.
Nothing, keep up the good work.
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.
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.
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.
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.
As an attorney who found herself in the shoes of a litigant against an insurer on a disability policy, I found Cesar Gavidia and his assistant Michal, wonderful. I was distraught with grief over losing a child. Proceeds from my disability policy were keeping my practice afloat until the insurer turned on me and not only terminated my benefits but was demanding tens of thousands of money back. It was a terrible time for me and my family (losing our child is still devastatingly difficult). Once Cesar took my case, I was able to let him take care of the battle with the insurer so that I could focus on other issues: my grieving, my family, and trying to stay in practice. My family and I are grateful for his representation.
Request a free legal consultation: Call 800-682-8331 or Email Us