Alex Palamara’s ERISA Disability Appeal Against Prudential Leads To Reinstatement of Benefits for Woman With Cerebral Aneurysm

A former Branch Manager for Kelly Services was forced to leave her employment on August 29, 2011 due to a Cerebral Vascular Aneurysm secondary to a carotid artery dissection. Shortly thereafter she applied for and was approved for Short Term Disability benefits which were paid for the first year of her disability. The Long Term Disability (LTD) Policy that the employee had in place through her employment with Kelly Services was supposed to cover her claim after the short term disability benefits ended. Unfortunately for the employee, on November 26, 2012, nearly two months after her LTD benefits should have kicked in, Prudential informed her that her “symptoms do not rise to a level of severity that would impact your inability to perform the duties of your occupation” and they denied her claim from the start. Our disability attorneys have seen this exact language used by Prudential in thousands of long term disability denial letters.

Claimant Contacts Dell and Schaefer For Help With Her LTD Appeal Against Prudential

After hearing over the phone that her claim had been denied, the former Branch Manager contacted Attorneys Dell and Schaefer even prior to her receiving the denial letter of November 26, 2012. This early contact gave her attorneys the full amount of time to begin working on her case in order to file the strongest ERISA appeal possible.

Dell and Schaefer studied the claim file provided from Prudential, along with the medical records from each of her physicians. Lastly, we were also able to order and review the Social Security Administration’s disability claim file. After having a complete grasp of the former Kelly Services’ employee’s disabilities and policy, Alex Palamara was ready to put pen to paper and draft the administrative appeal.

Dell and Schaefer’s Administrative Appeal

Attorney Alexander Palamara was able to find and expose the weaknesses of Prudential’s determination. Additionally, armed with an overwhelming amount of medical documentation, her attorney was also able convey the strengths of her claim and show the overpowering support she had from each and every one of her treating physicians. A timely administrative appeal was filed and within 60 days Prudential informed the former Branch Manager that her claim had been approved with an effective date of August 28, 2012 and that she would be receiving a check for the prior 11 months of benefits that had previously been denied to her.

Today, this claimant is still on claim and receives her benefit each month. Dell & Schaefer is continually working on her claim on a daily basis to ensure that Prudential does not deny her claim in the future.

If you have been denied or are in fear of getting denied by Prudential or any other disability insurance company, please do not delay and please contact Attorneys Dell and Schaefer for a free consultation and review of your claim.

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FAQ

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.

Reviews

Bruce R. (Arizona)

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. 

Don (Florida)

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.

Sandra B. (Arkansas)

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.

Brenda R. (New York)

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.

Michael C. (Virginia)

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.

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