Ask Our Lawyers Your Disability Insurance Questions

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

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Showing 441–460 of 735 Answered Questions

Q: Why has Aetna denied my LTD claim I am objectively disabled?

Answered on January 28th 2016 by Attorney Stephen Jessup

A: John, the denial is likely due to the concept that “Diagnosis does not equal disability.” Meaning, having ...

Q: Why is MOO trying to switch my STD to LTD after only 6 months when my policy lasts for 24?

Answered on January 24th 2016 by Attorney Stephen Jessup

A: Cindy, I have not seen a short term disability policy that lasts for 24 months. The vast majority of STD polic...

Q: Is it true that I can't go on STD again for the same reason as last time?

Answered on January 19th 2016 by Attorney Stephen Jessup

A: Melissa, It depends on the language of the policy. If the policy will only ever cover a certain period of time...

Q: Can I deny SunLife's request to have their doctor examine me?

Answered on December 31st 1899 by Attorney Stephen Jessup

A: Steven, Your policy almost certainly has a provision that states Sun Life has the right to send you to a docto...

Q: Can a Prudential doctor change my doctor's restrictions?

Answered on January 15th 2016 by Attorney Cesar Gavidia

A: Chris, Prudential’s doctor is able to formulate his/her opinion as to restrictions and limitations, which ar...

Q: Does Obama Care apply to pre-existing conditions in disability insurance policies?

Answered on January 15th 2016 by Attorney Stephen Jessup

A: Mary, “Obama Care” does not apply to pre-existing conditions in disability insurance policies. You will ne...

Q: Do you have an email for contacting Sunlife?

Answered on January 13th 2016 by Attorney Stephen Jessup

A: Nathan, We do not have any emails to directly get ahold of or communicate with Sun Life. I highly recommend th...

Q: Are there rights to punitive damages under ERISA?

Answered on January 5th 2016 by Attorney Stephen Jessup

A: Shawn, Unfortunately, under ERISA there are no rights to punitive damages.

Q: Can Aetna use supplemental insurance as an offset? Are they entitled to reimbursement should I be approved by social security diability?

Answered on January 4th 2016 by Attorney Alex Palamara

A: Elias, We would need to see a copy of both your Unum and Aetna policy to determine what offset rights either m...

Q: Is 1 year too late to add new disagnoses to my case? If it's not too late, would they be given the same amount of time payable as stated in my LTD paperwork?

Answered on December 18th 2015 by Attorney Stephen Jessup

A: Linda, You need to make MetLife aware of all updated diagnoses so they can determine eligibility for benefits ...

Q: Who can I call if my New York Life Rep. won't answer?

Answered on December 18th 2015 by Attorney Rachel Alters

A: Debbie, Unfortunately, we would not have a contact person for you to contact outside of the claims person. All...

Q: What does it mean if my Life Insurance has been terminated because they didn't receive sufficient medical information? Does this affect my LTD payments?

Answered on December 16th 2015 by Attorney Stephen Jessup

A: Rebecca, It means your claim for waiver of premium under your Life Insurance Policy has been terminated. Most ...

Q: It's been a year and Prudential hasn't asked for a review. What can I do to go him approved?

Answered on December 15th 2015 by Attorney Stephen Jessup

A: Deb, Please feel free to contact our office to discuss your husbands claim. There is a lot that goes into any ...

Q: What is the deadline to file an appeal with New York Life?

Answered on December 9th 2015 by Attorney Rachel Alters

A: Joan, First mandatory levels are 180 days.

Q: Should I file an appeal if Guardian denied STD due to a preexisting condition that is not actually preexisting?

Answered on December 8th 2015 by Attorney Rachel Alters

A: First and foremost, when was the denial? You only have 180 days to submit an appeal of a denial and if your cl...

Q: If I drop the SSI Disability case, will Unum accept that I have been denied twice or will they make me pursue it? If I decide to cancel my Disability case will I be able to get on Medicare?

Answered on December 6th 2015 by Attorney Alex Palamara

A: Tina, If the policy requires you to pursue the SSDI through all levels (which chances are it does) you will ha...

Q: Can Reliance Standard reduce my benefits due to income coming from worker's compensation?

Answered on December 1st 2015 by Attorney Stephen Jessup

A: Mik, I am sorry but I do not follow your question in its entirety. I am assuming that Reliance is reducing you...

Q: Can Reliance Standard offset a settlement against my disability benefits?

Answered on November 20th 2015 by Attorney Stephen Jessup

A: Darlene, if (1) your disability is related to injuries sustained in the car accident and (2) the policy indica...

Q: Can Unum deduct any SSDI that my children receive?

Answered on November 20th 2015 by Attorney Stephen Jessup

A: The overwhelming majority of employer provided policies list primary SSDI as well as dependent SSDI (the amoun...

Q: Will my benefits continue until age 65 if I'm not returning to work? Will this change if I'm granted permanent disability through social security? Will my benefits change if I am granted social security benefits?

Answered on November 13th 2015 by Attorney Rachel Alters

A: Jill, The potential maximum benefit period will be stated in your policy- it is either age 65 or your normal s...

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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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