Ask Our Lawyers Your Disability Insurance Questions

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

On a daily basis our lawyers answer your questions. Please use the filter below as we may have already answered your question. For an immediate answer please contact us.

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Showing 301–320 of 739 Answered Questions

Q: Can Guardian make me file taxes on a non-taxable insurance?

Answered on August 9th 2018 by Attorney Gregory Dell

A: Dan, Guardian cannot make you file taxes. Only a tax professional can determine whether your benefits are taxa...

Q: Can Prudential offset my SSDI payment from my LTD payments.

Answered on July 31st 2018 by Attorney Jay Symonds

A: Kathy, yes, they are entitled to offset your SSDI payment from your Prudential LTD payments. They cannot subtr...

Q: Can I deny an interview with Unum?

Answered on July 30th 2018 by Attorney Rachel Alters

A: Sayeeda, some disability policies require that you participate in a field interview as part of the proof of lo...

Q: Why does Hartford want my bank records?

Answered on July 26th 2018 by Attorney Alex Palamara

A: Bruce, I am very sorry to hear of the troubles you are having with your claim for benefits with Hartford. They...

Q: Is it safe to give MetLife access to my Social Security file?

Answered on July 24th 2018 by Attorney Gregory Dell

A: C. Packer, it is normal for a disability carrier to request a copy of the SSDI file. If the SSDI file contains...

Q: What happens if a policy doesn't mention something I believe I had and paid for (COLA)?

Answered on July 14th 2018 by Attorney Rachel Alters

A: Rachael, if the policy does not mention a COLA then that usually means that the insurance company does not off...

Q: If I'm not receiving the SSDI benefits for my children from Reliance Standard due to custody, should my SSDI benefits increase?

Answered on July 11th 2018 by Attorney Cesar Gavidia

A: Bill, it depends on terms and conditions relating to “other income benefits” and “offset” under your f...

Q: Can The Hartford inclue my son's dependent benefits in my husbands backpay?

Answered on June 26th 2018 by Attorney Jay Symonds

A: Nichole, the offset provision in the Group Policy dictates what the carrier can/will offset for. Many policies...

Q: Can SunLife deny me on the basis on a preexisting condition?

Answered on June 15th 2018 by Attorney Alex Palamara

A: Scott, the policy governing your claim will define what is a pre-existing condition. If you were having sympto...

Q: Am I able to work part time at a different job that is nothing like the one I was at when I was injured?

Answered on June 5th 2018 by Attorney Gregory Dell

A: Russell, whether you can work part time in a different occupation depends on the specific language of the Grou...

Q: Can I sue SunLife if I signed a Settlement & Release Agreement?

Answered on June 4th 2018 by Attorney Jay Symonds

A: RB, if you signed a Settlement & Release Agreement you are bound by those terms and would have waived your rig...

Q: Is there a limit on the number of times New York Life can send me a IME? Also, what is a fair percentage for a buy out?

Answered on May 18th 2018 by Attorney Rachel Alters

A: Jim, unfortunately there is no limit to the amount of IMEs New York Life can send you to as long as it’s rea...

Q: Is there any case law in which a state government employee LTD plan decided to drop the 24 month mental health limitation? Has there been any success against a state government and Standard using ADA Title I (employee) and 3 (insurance company) from a discrimination basis?

Answered on May 10th 2018 by Attorney Alex Palamara

A: Marie, thank you for your compliments on our website. We strive very hard to get as much information out there...

Q: Will receiving my disability retirement in a lump sum affect my payments?

Answered on December 30th 1899 by Attorney Jay Symonds

A: Brandi, look at the “Other Income Offset” section of the MetLife policy, which will specify which types of...

Q: Does Guardian reduce the qualifying income when an STD becomes a LTD?

Answered on April 24th 2028 by Attorney Alex Palamara

A: John, the document you are describing might not actually be the Long Term Disability Insurance Policy. The 270...

Q: What exactly does Northwestern mean by “not gainfully employed in any occupation”?

Answered on April 5th 2018 by Attorney Gregory Dell

A: Carol, Gainful work would imply you are performing steady work for payment and getting paid $20 for baby sitti...

Q: Where does PTSD fall in to my Guardian LTD?

Answered on April 5th 2018 by Attorney Gregory Dell

A: Frank, Limitations for mental health conditions are common in disability policies and alcoholism as well as PT...

Q: How can Standard deny my claim and expect me to work when I am disabled?

Answered on March 30th 2018 by Attorney Rachel Alters

A: Debbie, unfortunately this situation occurs often as there are two different departments reviewing your claim ...

Q: What amount is New York Life obligated to provided after dependent benefits end?

Answered on March 24th 2018 by Attorney Alex Palamara

A: Lynda, under your scenario, the likely outcome is that New York Life will now be obligated to pay the amount t...

Q: Are you familiar with the difference between Berkshire’s Enhanced and Basic residual contract language and how material the language difference could be at claim time?

Answered on March 7th 2018 by Attorney Gregory Dell

A: Chris, thank you for asking this important question. Without actually seeing the exact policies that you are r...

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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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