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 401–420 of 735 Answered Questions

Q: Can I re-establish my yearly option to upgrade Guardian disability insurance?

Answered on August 30th 2016 by Attorney Rachel Alters

A: Sam, we would need to see the policy and the information they sent you with respect to the denial of the incre...

Q: How long is the ERISA disability policy statue of limitatation?

Answered on August 30th 2016 by Attorney Rachel Alters

A: Sebastian, did you ever appeal the denial of benefits? The law can be very black and white that failure to app...

Q: Prudential's doctor said I wasn't disabled when several others said I was. Can they reuse this doctor to terminate me months later?

Answered on August 23rd 2016 by Attorney Alex Palamara

A: Shhhh, it does create the appearance of impropriety that their review was arbitrary and capricious, but more i...

Q: Why did New York Life close my case without telling me?

Answered on August 11th 2016 by Attorney Stephen Jessup

A: Kristine, unfortunately, we would not be able to tell you why it is closed- only New York Life would know the ...

Q: What should I do if my company can't accomade an option for me to work remotely?

Answered on July 22nd 2016 by Attorney Cesar Gavidia

A: Thomas, if you are unable to work, your employer disability plan(s) may be your only viable options for income...

Q: Can LFG refuse to send me a copy of my policy? What do I do if they deny on basis of pre-existing condition?

Answered on July 12th 2016 by Attorney Cesar Gavidia

A: Frank, the duty to provide an employee benefit plan typically falls on your Employer, so they would be respons...

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

Answered on July 6th 2016 by Attorney Stephen Jessup

A: Patrick, unfortunately, yes. Unlike health insurance, disability insurance policies do contain pre-existing co...

Q: Are lottery benefits considered earned income?

Answered on June 21st 2016 by Attorney Stephen Jessup

A: Sharon, Earned Income should be specifically defined in your policy.

Q: Why is Aetna taking so long to review my claim?

Answered on June 13th 2016 by Attorney Stephen Jessup

A: Mikki, without knowing about the procedural history of the current application we would not have much insight....

Q: Do I have to go back to work while waiting for SunLife's reply to my appeal? Can my employer terminate my employment while I am still waiting?

Answered on June 1st 2016 by Attorney Cesar Gavidia

A: Robin, If you return to work during the appeal process Sun Life would at best only likely pay you for the time...

Q: With 20 yrs still left on my approva, can MetLife do a lump sum buyout?

Answered on May 31st 2016 by Attorney Stephen Jessup

A: HK, MetLife has very recently begun negotiating buyouts of disability policies. Typically, when a LTD policy i...

Q: Is it legal for MetLife to change the definition of disability?

Answered on May 20th 2016 by Attorney Stephen Jessup

A: Robert, with respect to your question as to change in definition of disability- yes, that is legal. Your polic...

Q: Can I work a minimum wage job and still receive my long-term benefits?

Answered on May 30th 2016 by Attorney Stephen Jessup

A: Cathy, without knowing the language in your policy there is no way for us to be able to advise you. If you hav...

Q: Is Aetna following me or is it SS?

Answered on May 31st 2016 by Attorney Stephen Jessup

A: Jean, it is not likely that it would be the SSA doing surveillance. If you have received your denial letter pl...

Q: How likely is it that Guardian will agree to a payment plan for an overpayment of benefits? Will they demand the full amount be paid back immediately?

Answered on May 17th 2016 by Attorney Alex Palamara

A: Laura, Guardian is one of the more reputable insurance carriers so they will likely agree to a repayment plan,...

Q: Can I sue Prudential for ruining my life?

Answered on May 10th 2016 by Attorney Stephen Jessup

A: Tosha, under ERISA your only actionable cause is for unpaid/owed benefits. Did you already appeal the denial o...

Q: Can Lincoln Financial offset my LTD benefits by not only my SS payments but my ex-wife's as well?

Answered on May 10th 2016 by Attorney Stephen Jessup

A: Glen, if the policy indicates they can offset the SSDI amount your dependent receives on account of your disab...

Q: Should I ask SSDI about New York Life's surveillance?

Answered on May 8th 2026 by Attorney Stephen Jessup

A: Claire, although we do not handle SSDI claims, hearing about the SSA doing video surveillance is certainly not...

Q: How can New York Life claim I have a preexisting condition when they have all of my medical records?

Answered on May 6th 2016 by Attorney Cesar Gavidia

A: Angela, if a claim for benefits under the policy was made within 12 months of coverage that will always trigge...

Q: Does an in-home interview mean I will get denied?

Answered on May 3rd 2016 by Attorney Alex Palamara

A: NeedHelp, an in person interview of any sort raises a red flag but is by no means a definitive guarantee your ...

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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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