Physical and Mental Disabilities: Can Disability Benefits Be Limited?
Disability Insurance Attorney Jay Symonds
Jay P. Symonds (jay@diattorney.com) is a partner in the Disability Income Division of Dell & Schaefer, Chartered. Jay focuses his legal practice in representing claimants at all stages of a disability insurance claim with a large percentage of his work dedicated to ERISA based administrative appeals and litigation.
Jay's Recently Resolved Cases (38)
- Aetna Overturns Denial of Long Term Disability Benefits for Quality Control Manager
- After Appeal, Lincoln Overturns Denial of LTD benefits for Trucking Supervisor
- Sun Life Overturns Its Previous Denial of LTD Benefits for Massachusetts Teacher
- CIGNA Overturned Their Denial of LTD Benefits for Nevada Healthcare Coordinator
- CIGNA Denies Technology Manager under the Own Occupation Provision & Dell & Schaefer Wins Appeal
- Reliance Standard overturned its previous denial of long term disability benefits for Texas Retail Store Manager
- Reliance Standard overturned LTD denial for Tennessee Technology Sales Consultant
- Sun Life overturned previous denial of LTD for California Diagnostics Manager
- CIGNA overturned previous denial of waiver of life insurance premiums
- LINA overturned its previous LTD denial for Medical Technologist
- Hartford overturned its previous denial of LTD benefits for Illinois Account Representative
- Hartford overturned previous denial of long term disability benefits for New York Consultant
- Lincoln National Life Insurance Company overturned previous denial of long term disability benefits for Wyoming Professor
- Aetna Life Insurance Company overturned previous denial of long term disability benefits for Georgia Assistant
- Life Insurance Company of North America (CIGNA) overturned previous denial of long term disability benefits for Massachusetts Senior Advisor
- After appeal filed by Attorney Jay Symonds, UNUM overturned previous denial of long term disability benefits for South Carolina Nurse
- Prudential Insurance Company of America overturned previous denial of long term disability benefits for Oregon Software Engineer
- Life Insurance Company of North America (CIGNA) overturned previous denial of long term disability benefits for New Jersey Account Manager
- After appeal filed by Attorney Jay Symonds, Mutual of Omaha overturned previous denial of short term disability benefits for Maine Senior Software Engineer
- Prudential overturned previous denial of long term disability benefits for Connecticut Audit Manager
- Life Insurance Company of North America overturned previous denial of long term disability benefits for Washington Crime Scene Photographer
- Prudential overturned previous denial of long term disability benefits for Mississippi Nuclear Medicine Tech
- After appeal filed by Attorney Jay Symonds, Hartford overturned its second denial of long term disability benefits for Alabama CEO
- After appeal filed by Attorney Jay Symonds, Hartford overturned its previous denial of long term disability benefits for Tennessee Claims Supervisor
- CIGNA overturned previous denial of both long term disability benefits for Massachusetts IT Procurement Specialist
- CIGNA overturned its previous denial of both short term and long term disability benefits for Michigan Senior Personal banker
- After appeal filed by Attorney Jay Symonds, Prudential overturned its previous denial of long term disability benefits for Pennsylvania Corporate Training Coordinator
- Assurant overturned its previous denial of long term disability benefits for Maine Sales Consultant
- After appeal filed by Attorney Jay Symonds, Hartford overturned its previous denial of long term disability benefits for Kentucky District Sales Manager
- After appeal filed by Attorney Jay Symonds, NWM overturned its previous denial of long term disability benefits for California Customer Relations Supervisor
- After appeal filed by Attorney Jay Symonds, Sun Life overturned its previous denial of long term disability benefits for Florida ICU Nurse
- After appeal filed by Attorney Jay Symonds, Prudential overturned its previous denial of long term disability benefits for New York Financial Control Officer
- After appeal filed by Attorney Jay Symonds, Lincoln National overturned its previous denial of long term disability benefits for Washington Sales Representative
- After appeal filed by Attorney Jay Symonds, CIGNA overturned its previous denial of short term disability benefits for New Jersey Project Manager
- After appeal filed by Attorney Jay Symonds, UNUM overturned its previous denial of long term disability benefits for Colorado Plumber
- After appeal filed by Attorney Jay Symonds, Hartford overturned its previous denial of long term disability benefits for Alabama CEO
- After appeal filed by Attorney Jay Symonds, Mutual of Omaha overturned its previous denial of short term disability benefits for Colorado Senior Manager
- CIGNA Reinstates Benefits for Freight Company Truck Driver Following Successful Second Level Appeal
Jay's Articles (11)
- Court Rules Plaintiff’s Medical Records Was Replete With Evidence Supporting Claim of MS & Was Not A Pre-Existing Condition
- Court Rules That Aetna’s Failure To Consider Plaintiff’s Actual Job Duties Was Arbitrary And Capricious
- Court Rules That MetLife Improperly Limited Proof Of Claim To Only Objective Data
- Lincoln overturned its previous denial of LTD benefits for Escalation Engineer
- Court Rules That MetLife Did Not Consider The Material Duties Of Claimants Occupation
- 1st Circuit Affirms Holding That Claim Is Not Subject To Pre-Existing Condition Provision
- District Court Holds That Reliance Standard Did Not Properly Consider Whether Traveling Nurse Could Perform The Material Duties Of Her Regular Occupation
- 9th Circuit Holds That Release In Plaintiff’s Wrongful Termination Lawsuit Bars Subsequent ERISA Benefits Claim
- District Court Affords Greater Weight To SSDI Award Than Surveillance Footage
- 7th Circuit Recognizes Chronic Debilitating Effects Of Fibromyalgia
- 9th Circuit Clarifies The Definition Of “Sedentary Work”
Fun Facts About Jay
We are not your typical law firm. We are always thinking outside of the box so that we can keep our clients a step ahead of the insurance companies. Customer service with our clients is an essential element as we want every case handled as if it was our own. Since the lawyer that you work with at our firm will need to know a lot about your life, we think it is important that you have the opportunity to learn more about the lawyer(s) working on your case. Here are some interesting and fun facts about Jay Symonds:
- Describe yourself in three words: Family, Loyal, Hardworking
- Best thing to do in your free time: Spend time with family and friends.
- Favorite place to travel: Aruba, New Hampshire
- Favorite Food: Pizza
- Favorite TV Show: College Football
- Favorite Book: The Last Lecture – Randy Pausch
- Favorite Movie: Field of Dreams
- Favorite quote: “What lies behind you and what lies in front of you, pales in comparison to what lies inside of you.” – Ralph Waldo Emerson
- What do you like about your job: Helping those who have nowhere else to turn.
Jay is a 1997 cum laude graduate from New England Law and received his undergraduate degree in 1991 from Bentley University, where he received a B.S. in Finance. Jay spent the first part of his career gaining invaluable experience serving as in-house and outside counsel for several prominent U.S. Disability Insurance carriers. As legal counsel for insurance carriers he managed lawsuits nationwide involving insured and reinsured group life and disability plans under ERISA. Jay’s expertise with disability insurance matters was used to provide training and risk assessment to disability claims and appeals units regarding administrative services and proper claims practices, procedures and investigations. Today, Jay uses his experience to help claimants who are unfairly denied employee benefits from insurance carriers including disability and life insurance benefits under the federal ERISA statute.
Questions About Hiring Us
Do you work in my state?
Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.
What are your fees?
Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.
The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.
In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.
Do I have to come to your office to work with your law firm?
No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.
How can I contact you?
When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.
Dell & Schaefer Client Reviews *****
Muhammad I., MD
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.
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