After appeal filed by Attorney Jay Symonds, Hartford overturned its previous denial of long term disability benefits for Kentucky District Sales Manager

Our client, Mr. G, formerly worked as a District Sales Manager at an International Travel Destinations company. In August 2014 a number of medical issues, including chronic pain, cervical and thoracic spinal Ankylosing Spondylitis (AS) forced Mr. G to stop working and submit his claim for disability benefits first under his employer’s short-term disability (STD) policy and then continuing under its long-term disability (LTD) policy. Both benefits were funded and administered by Hartford. Under his employer’s disability policy Mr. G would be considered totally disabled if he was unable to perform the essential duties of “any occupation” for which he was qualified by education, training and experience and with additional consideration of his functional limitations and transferable skills. Essential duties included, among other things, the ability to work the number of hours required for a regularly scheduled work week.

After paying Mr. G for 24 months under the Policy’s “own occupation” definition of disability, Hartford denied continued LTD benefits on the basis that he allegedly no longer met the policy definition of disability. Specifically, Hartford Life stated that “from the combination of all the medical information in [his] file that [he is] able to perform full time seated work 8 hours per work day.” After receiving the denial, Mr. G contacted Dell & Schaefer and discussed his case with Attorney Jay Symonds. Attorney Symonds identified several significant issues in Hartford’s denial letter and in the evidence it relied on and agreed to prepare and submit Mr. G’s ERISA appeal with the assistance of his appeal team.

The LTD appeal addressed all of Hartford’s short-comings and reasons for denial, with a special focus on the medical records on and around the date of Hartford’s denial which confirmed that all available objective testing and physical examinations conducted throughout 2015 and 2016 confirmed that Mr. G’s AS had steadily progressed his cervical spine down through his hips and that the associated pain he suffered was both chronic and persistent throughout his body. The appeal next addressed the incomplete and flawed Independent Medical Examination (IME) conducted by Hartford’s 3rd Party Medical Vendor, including the IME physician’s cursory 20 minute examination of Mr. G, his limited review of only a portion of Mr. G’s medical records and his disproportionately large fee received for the service provided.

Just over six weeks later, and after reviewing the appeal and hundreds of pages of exhibits and medical records, Hartford overturned its decision to terminate benefits and reinstated Mr. G’s long-term disability benefits.

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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.

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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   *****

Monica J.

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.

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