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 321–340 of 736 Answered Questions

Q: Could I sue MetLife 4 years after my denial?

Answered on January 15th 2018 by Attorney Stephen Jessup

A: Bernard, most employer provided policies require legal action within 3 years of a claim rising, which could be...

Q: Can I sue SunLife for pain and suffering?

Answered on January 12th 2018 by Attorney Stephen Jessup

A: Jim, under ERISA governed policies there are no actions for pain and suffering, only unpaid benefits.

Q: Can MassMutual deny my claim based on a pre-existing condition?

Answered on January 9th 2018 by Attorney Stephen Jessup

A: Monique, it will depend on the language in the policy as it relates pre-existing conditions. When a claim is f...

Q: How can Reliance Standard not coordinate with both of my disability insurance policies?

Answered on December 13th 2017 by Attorney Stephen Jessup

A: Jerry, you will need to review your RSL policy to determine what it deems to be a source of “Other Income”...

Q: I'm waiting to hear back about my appeal. Should I hire an attorney?

Answered on December 1st 2017 by Attorney Stephen Jessup

A: Pam, if an appeal has already been submitted there may be very little an attorney could do at this point until...

Q: Can Metlife force me back to work part time if my doctors are saying NO?

Answered on November 4th 2017 by Attorney Cesar Gavidia

A: Bluetechseeker, MetLife cannot force you to return to work, but they can determine that based upon their revie...

Q: Is there a way I can get out of allowing Genex and Unum to contact SS?

Answered on November 3rd 2017 by Attorney Stephen Jessup

A: Connie, I do not think you would have any affirmative duty to use Genex for anything. If Unum requests informa...

Q: Can MetLife request a second IME if I already have one that agreed with my dr's?

Answered on November 2nd 2017 by Attorney Stephen Jessup

A: Casandra, although it is not common for two IMEs in such a short period of time, due to the fact it is a STD c...

Q: Why is NWM reviewing my claim when my condition hasn't changed? Is it strange that they requested an in-person review?

Answered on October 25th 2017 by Attorney Stephen Jessup

A: Jim, first and foremost, NWM is one of the most reputable insurance carriers in the industry. Although your co...

Q: Can New York Life refuse to start my payments again, claiming my case was closed?

Answered on October 16th 2017 by Attorney Stephen Jessup

A: Jimmy, you are referring to what is known as a “recurrent disability” provision and you are correct as to ...

Q: Is it reasonable for Unum to settle for 25% to avoid an ERISA case?

Answered on October 10th 2017 by Attorney Stephen Jessup

A: FeelingFrustrated, if your case is already in litigation and you are represented I would have to defer to your...

Q: Do I have to pay Principal back once I receive back pay from SSA?

Answered on October 5th 2017 by Attorney Stephen Jessup

A: Toni, if your policy was an employer provided policy then almost certainly the policy would contain language t...

Q: Is the 2nd appeal process worth it or a waste of my time?

Answered on October 3rd 2017 by Attorney Stephen Jessup

A: Rebecca, I would certainly say it is worth it. If he filed for disability in September 2016 and the change in ...

Q: I filed an appeal and lost. Is it worth pursuing?

Answered on September 29th 2017 by Attorney Stephen Jessup

A: Kim, in my opinion, yes. If you are still within your timeframe to file a lawsuit you have little to lose in t...

Q: Is it likely that I can prove discrimination of coverage for mental health defects?

Answered on September 13th 2017 by Attorney Gregory Dell

A: Bridget, unfortunately, a carrier can limit payment for a variety of conditions. Mental health limitations of ...

Q: How do I show Unum a C-section has a standard 8 week (not 6 week) recovery?

Answered on September 14th 2017 by Attorney Stephen Jessup

A: Rita, you will need to appeal the decision and get additional medical support from your doctor as to the need ...

Q: Can Guardian deny benefits after "own occupation" period?

Answered on September 7th 2017 by Attorney Stephen Jessup

A: Noah, it is not uncommon for a carrier to try to pay a claim through the remaining “own occupation” period...

Q: Is it true that Hartford cannot use my stepchildren's SSDI payments as an offset?

Answered on August 15th 2017 by Attorney Stephen Jessup

A: Mary HB, if a dependent is receiving a DSSDI benefit on account of your disability then it would be an offset....

Q: Should I be worried that SunLife is trying to deny my claim by making it seem like I have a mental disorder? Can they deny my claim if I refuse to undergo this needless psychiatric assessment?

Answered on August 10th 2017 by Attorney Stephen Jessup

A: Erin, in a situation like yours they are likely sending you to see a psychologist to determine if you are a �...

Q: Can MetLife request a printout of every payment from SSDI?

Answered on December 30th 1899 by Attorney Stephen Jessup

A: Tina, what MetLife is requesting is fairly typical in that they are looking to see if the SSA ever performed a...

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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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