• How to Protect Your Ameritas Long Term Disability Benefits
  • Ameritas Disability Benefit Claim and Denial Help


Ameritas is not a new insurance company as they have been in existence since the 1860’s. In 2006, they merged with Union Central Life Insurance company and dove head first into the disability insurance market by offering group and individual disability insurance.

Our disability insurance lawyers have assisted hundreds of Union Central disability policy holders and numerous Ameritas policy holders. We a very familiar with all of the long term disability policies sold by Ameritas and we help claimants at all stages of claim for benefits. In our video about Ameritas, we discuss our experience of handling Ameritas disability claims and we render some opinions about the claim experience. Regardless of the stage of your disability claim, we always invite you to contact us for a free consultation with one of our disability lawyers.

Disability insurance company claim handlers are trained to look for reasons not to pay benefits and there is a lot that can be done to give your self the best chance to collect. We look forward to the opportunity to work with you.

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Questions About Hiring Us

Do you handle ERISA Ameritas appeals?

If your disability income claim has been denied by Ameritas and your disability income policy has been offered through your employer, then federal ERISA law requires you to file an appeal with Ameritas. Our law firm has handled thousands of ERISA appeals against Ameritas and we will prepare a very strong appeal on your behalf.

Do you help with Ameritas applications?

The application for disability benefits with Ameritas is the foundation of your claim. One mistake can result in your claim for disability insurance benefits being denied by Ameritas. Our lawyers will guide you through the entire application process and make sure you are in the best possible position to have your claim approved by Ameritas. We welcome you to contact our attorneys to discuss important information about applying for disability benefits with Ameritas.

Do you file Ameritas lawsuits?

If Ameritas has denied all of your ERISA disability appeals, then you have the right to file a lawsuit in federal court against Ameritas. An ERISA disability lawsuit is different than any other type of lawsuit and you should hire a attorney that has handled thousands of disability denial lawsuits against Ameritas. Our disability insurance lawyers know what to expect with the challenges filing a federal lawsuit against Ameritas.

Can you help with a Ameritas disability Insurance denial?

We have helped thousands of individuals collect long term disability benefits from Ameritas and we know the unreasonable denial tactics used by Ameritas to deny disability insurance benefits. Our experienced attorneys know the many options available to get your disability benefits paid by Ameritas.

Do you manage Ameritas monthly claims?

Monthly disability insurance claim management is a unique service we offer. Our goal is to make sure your Ameritas disability benefits continue for as long as you need them. Many claimants either don't trust or experience aggravation dealing with Ameritas. Disability Insurance Attorneys Dell & Schaefer manages every aspect of your claim for disability income benefits from (Ameritas. Ameritas only interacts with our law firm. Contact Disability Insurance Attorneys Dell & Schaefer to learn how we can manage your disability claim.

Can you negotiate a Ameritas lump sum buyout?

Lump sum buyouts and disability buyouts are occasionally offered by Ameritas. Our disability lawyers have established relationships with the people at Ameritas that make the decisions on disability buyouts. We have negotiated hundreds of lump settlements with Ameritas. Our goal is to get you the highest buyout possible.

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   *****

Pat (Florida)

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.

***** 5 stars based on 202 reviews

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