Ask Our Lawyers Your Disability Insurance Questions

Name: Dell Disability Lawyers
Brand: Dell Disability Lawyers
Rating: 5 (746 reviews)

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Showing 201–220 of 739 Answered Questions

Q: Can New York Life refuse to give me a copy of my short term disability policy?

Answered on September 2nd 2022 by Attorney Cesar Gavidia

A: Dave, since the policyholder is your employer New York Life can refuse to provide it to you. You should contac...

Q: Does payback to Lincoln Financial, once approved for SSDI, include the first year?

Answered on August 25th 2022 by Attorney Jay Symonds

A: Bruce: Most group policies require payback for any month in which you received a full LTD benefit and then, su...

Q: Is LF's doctor, who never spoke with me or evaluated me, allowed to clear me for work?

Answered on August 14th 2022 by Attorney Alex Palamara

A: Barb, I am sorry to hear of the stress that LFG is putting you through. Thankfully, it sounds like the 3rd par...

Q: Who are the top companies you would recommend for a surgical specialist?

Answered on August 1st 2022 by Attorney Stephen Jessup

A: Mac, all insurance companies have their idiosyncrasies when it comes to the claim review process that can caus...

Q: Is child support arrears considered an income offset for Principal LTD?

Answered on July 29th 2022 by Attorney Rachel Alters

A: Lisa, no I don’t believe it is.

Q: What can I do if Unum didn't pay for my injury?

Answered on July 20th 2022 by Attorney Rachel Alters

A: Erma, you can file an appeal with the carrier if you believe you have coverage. Ask for a copy of the policy.

Q: Can Prudential deny me if SSDI approves me?

Answered on December 28th 2020 by Attorney Steven Dell

A: Lauraine, unfortunately you can be denied even if SSDI approved you. If you need assistance managing your LTD ...

Q: How do I ensure Standard makes a timely decision with regard to my claim?

Answered on December 8th 2020 by Attorney Alex Palamara

A: Matthew, we are sorry to hear that you are having difficulty with your claim. While the insurance company does...

Q: Is MetLife entitled to overpayment if they realized 15 years later?

Answered on December 1st 2020 by Attorney Rachel Alters

A: Walyn, you can appeal the decision, but unfortunately they are entitled to the overpayment, even if they did n...

Q: Can Unum threaten for fire me at the end of FMLA's 12 week time period? Can Unum deny my benefits if my company does not offer the work Unum think sI'm eligible to do?

Answered on October 28th 2020 by Attorney Stephen Jessup

A: Kurt, I would recommend you contact your Union representative to see if you have additional protection outside...

Q: I have Unum disability insurance and they are asking me to speak with them on the phone before I even submit my application. Do I need to speak with them?

Answered on October 26th 2020 by Attorney Steven Dell

A: If you have not submitted your application as of yet, then it depends if your disability policy requires you t...

Q: Do I have to sign and return MetLife's authorization to disclose my info in order to continue my claim?

Answered on October 24th 2020 by Attorney Cesar Gavidia

A: Pete, in most cases you are required to sign and return the authorization to Metlife. Failure to comply could ...

Q: Is my plan governed by ERISA?

Answered on October 9th 2020 by Attorney Alex Palamara

A: LeRoy, we will have to review the policy in order to give an opinion as to whether it would be governed by ERI...

Q: Why can my employer hold my disability check after The Standard sends it to them? Can I file a grievance with them?

Answered on September 11th 2020 by Attorney Alex Palamara

A: Lucas, it sounds like your claim for STD benefits is under a policy that is self-funded by your employer. Thus...

Q: Can LF discontinue my mental health benefits after 24 months?

Answered on September 7th 2020 by Attorney Rachel Alters

A: Cindy, unfortunately most group polices only cover mental nervous conditions for 24 months.

Q: Can Aetna deny my application on the basis of pre-exisiting condition? Do they discriminate against the mentally ill?

Answered on September 2nd 2020 by Attorney Steven Dell

A: Molly, unlike health insurance plans, a disability insurance carrier can deny application for coverage based o...

Q: Do you work on a percentage, hourly, or lump sum basis? How much does hiring an attorney cost?

Answered on August 27th 2020 by Attorney Stephen Jessup

A: Dr. Fred, we offer contingency fees (which can include lump sums based on the nature of the representation) an...

Q: Why did Principal not back me when Social Security did?

Answered on August 21st 2020 by Attorney Alex Palamara

A: Durron, I am sorry to hear that your LTD claim was denied. While there are different standards for approving L...

Q: How long does MetLife have to render a decision on my application for benefits?

Answered on August 15th 2020 by Attorney Steven Dell

A: Jesse, please feel free to contact our office. The law provides 45 days to render a decision on an application...

Q: What is the difference between time period of the claim while approved and the time period of the claim while denied?

Answered on August 14th 2020 by Attorney Alex Palamara

A: Mark, please gather all the correspondence concerning your claim and please contact us for a free consultation...

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Reviews from Our Clients

Keith G.

They were very professional with their responds and on time with keeping you inform about everything with your case. I would recommend My lawyer Stephen Jessup, he was on point with everything, thank you. You guys are awesome people to work with. God bless you guys.

Keith L.

I was not able to work as a physician for about 14 months due to neck/back issues. Even though I had 3 medical doctors explicitly state that I was not to work AT ALL as a physician at that time, New York Life (NYL) Disability Insurance denied my long term disability claim (which apparently they deny a high percentage of people similar to me- only they know why they do this to so many- I have my own suspicions). I was in pain from my medical issues and so frustrated with NYL considering I had many bills coming due. I then decided to call Dell Disability Lawyers. One of their attorneys, Alex Palamara, spoke to me on the phone right then to hear and understand my story and then offer ways he could help. Long story short, within a few months of me returning back to work, he was able to persuade NYL to pay me my long term disability claim. He (and his kind assistant, Tabitha) were always very helpful, informative, and available to me. I feel quite certain that NYL would NEVER have paid me what was appropriate based on my insurance agreement/ contract with them without the help of Alex. I highly recommend him/Dell Disability Lawyers. If you find yourself in a similar situation of disability insurance denial of your own personal/group policy, especially if you are a medical provider/physician like me, then consider contacting them for advice/direction PRIOR to appealing your claim on your own.

Kyle D.

Jay Symonds and his assistant, Sonia helped me tremendously. The insurance company that worked for my former employer did everything they could to make my life literally miserable. That all changed when I hired Jay. He and Sonia fought for my rights and forced the insurance company to pay what they should have.

If you have a disability claim hire Jay as if you go it alone the insurance company will screw you. Jay and Sonia will fight for everything you are entitled for. I couldn’t recommend them more highly.

Frank R.

I cannot say enough positive things about my experience with Dell Disability Lawyers. Attorney Stephen Jessup and Amanda offered an opportunity to provide clarity on a complex issue regarding my disability claim. Mr. Jessup offered advice on an offset to my claim after my insurance company asked for additional information from Social Security. With counsel from Mr. Jessup, I was able to address the outstanding issue with the Social Security office and provide my insurance company with the required documentation to address their concerns. Mr. Jessup always responded in a timely manner with expert advice and offered the opportunity for follow up. I strongly recommend Dell Disability Lawyers to those seeking legal counsel for disability matters.

Wesley D.

I have been able to help others as a soldier, a police officer, and a pharmacist. I needed help forcing the insurance company to keep their commitment to take care of me and my family. I called Dell. Alex, Tabitha, and their entire team were very compassionate, extremely patient, and extraordinarily knowledgeable. Many thanks Dell!

Samar A.

My husband had applied for Long Term Disability and was denied. We sought out Rachel Alters at Dell Disability Lawyers to help us with our appeal. Rachel and her team were so diligent and meticulous in every aspect of the process. The process was seamless, and we never had any doubts that she would get it done and that she did! We are forever grateful to Rachel and Catherine for all of their determination and tenacity to get us the outcome we needed and deserved.

We could not recommend better representation and are indebted to them for making us whole again. Thank you so much Rachel and team!

Jam

Alex Palamara is one of The Best lawyers in the world and Dell Disability Lawyers are the Best by Far. Alex and his Assistant Tabitha helped me get the compensation I needed for a Horrific Disabling heath condition I’ve been dealing with for over a year. Alex and his team were so professional and caring. They treated me like I was there own family. Alex Knowledge, Expertise and skills as a Lawyer is among the Best of the Best in his field and I would HIGHLY recommend that if you ever have any issues with any Insurance Company over your Disability issues, please don’t hesitate to seek out Dell Disability and Alex Palamara. They truly are Amazing and caring. Thank God for them. Outstanding Job Alex and Tabitha

G.T.

9 years ago when I had to apply for disability benefits from my private disability policy the insurance company ignored my inquiries until Dell and Schaefer represented me and I have received the benefits without interruption til my policy expired at age 65. I have appreciated not having to deal directly with the insurance company and having attorney Greg Dell and assistant Danielle Lauria handle all communications which included monthly progress reports. I thank them for their efforts on my behalf and highly recommend them to all those in need of disability benefits.

Misty A.

I’m so thankful I chose to reach out to the attorneys at Dell. They have always been quick to respond to any and all questions I have had. The anxiety I had while dealing with Lincoln Financial on my own has decreased immensely since Alex and Danielle took my case. They were able to get my LTD denial reversed and I am so very grateful!

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