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.

Type your question here (Required)

Explain your situation

Choose a nickname (Required)

Email (to be notified of an answer) (Required)

Filter Answered Questions

Showing 461–480 of 735 Answered Questions

Q: Should I hire a lawyer if Unum is demanding overpayment from SSD when we didn't want SSD in the first place?

Answered on November 11th 2015 by Attorney Stephen Jessup

A: Gina, Unum has a right to collect any repayment of overpayment due to a received source of Other Income as def...

Q: How long does it take after your court hearing date to hear something?

Answered on November 7th 2015 by Attorney Stephen Jessup

A: You will need to consult with the attorney that handled your case for a better idea as to what you can expect.

Q: Can the Standard claim I am only entitled to one independent review?

Answered on October 26th 2015 by Attorney Stephen Jessup

A: Julie, Is your policy an ERISA governed employer provided policy or privately purchased? If it is the former t...

Q: How can I appeal Cigna's decision if there are no written communications explanation the reasons for claim termination?

Answered on October 20th 2015 by Attorney Alex Palamara

A: Tret, Cigna will be required by law to provide you with a written denial letter setting forth its reason for t...

Q: Can I reopen my short term that Unum denied?

Answered on October 17th 2015 by Attorney Stephen Jessup

A: Pls, I would send a copy of the LTD award letter to the STD department and demand payment of your benefit. The...

Q: Why would Principal call about a procedure that has nothing to do with why I am receiving LTD benefits?

Answered on October 15th 2015 by Attorney Stephen Jessup

A: Kevin, Disability insurance benefits will be predicated on any medical condition that affects your overall abi...

Q: Can Unum discontinue my benefits if I refuse to apply for RR benefits?

Answered on October 15th 2014 by Attorney Steven Dell

A: Debra, Unum cannot discontinue your benefits if you refuse to apply for the RR benefits, but under the offset ...

Q: What can I do if Unum will make me subject to a pre-exisitng confition review if I don't return to work when they want me to?

Answered on October 14th 2015 by Attorney Rachel Alters

A: Alyssa, There is some serious concern raised at the mention of a pre-existing condition. If you have been cove...

Q: What can I legally do if Aetna isn't paying me? I'm tired of the run around.

Answered on October 31st 2025 by Attorney Stephen Jessup

A: Arianna, It is likely that Aetna only administers the STD plan for your employer (as opposed to insuring it) a...

Q: Is there a process for appeals not being responded to in the time given? Also, how do I access my records?

Answered on September 29th 2015 by Attorney Stephen Jessup

A: SB, ERISA provides 45 days to render a decision on appeal with the possibility of a 45 day extension- basicall...

Q: Do you handle cases for Aetna employees in Georiga?

Answered on September 25th 2015 by Attorney Stephen Jessup

A: Jo Anne, yes, we represent claimants nationwide. Please feel free to contact our office to discuss your claim ...

Q: Why would Hartford's clinical manager call me?

Answered on September 23rd 2015 by Attorney Stephen Jessup

A: Jules, If it was a clinical manager they are most likely in the medical department and want to discuss your cu...

Q: Can Principal send their doctor to evaluate me?

Answered on September 21st 2015 by Attorney Jay Symonds

A: Sam, Principal has the right in its policy to have you examined by a doctor of its choice. Failure to attend c...

Q: What can I do if Aetna keeps denying my claim?

Answered on September 21st 2015 by Attorney Stephen Jessup

A: Anita, you will need to appeal Aetna’s denial. Be advised that Aetna only provides for one level of administ...

Q: Does UNUM need to see an ever worsening series of physician reports to keep approving?

Answered on September 14th 2015 by Attorney Stephen Jessup

A: Dan, all disability claims are as strong as the medical support. It takes a concerted effort with your doctors...

Q: What should I do if I'm not contacted once my 90 day waiting period ends?

Answered on September 10th 2015 by Attorney Jay Symonds

A: First and foremost I would suggest you contact Guardian (or your claims manager if one has been assigned) and ...

Q: Do I have to report alternative sources of passive income to Reliance Standard?

Answered on August 30th 2015 by Attorney Stephen Jessup

A: Struggling, you do not have a legal duty to disclose sources of passive income unless the policy indicates it ...

Q: Can UNUM characterize my deceased husband's retirement income as overpayment to cut MY benefits?

Answered on August 30th 2015 by Attorney Stephen Jessup

A: Nathalie, I have yet to see a policy deem retirement payments from the SSA as an offset under the policy. As t...

Q: Reliance Standard recommended Advocator, do I have to pay their fee out of pocket?

Answered on August 27th 2015 by Attorney Stephen Jessup

A: Mary, the SSA always determines and pays the fee to be paid to an attorney or advocator group. You will not ha...

Q: If Hartford denies your coverage, do they share their findings with SSD so they also may take your name off their rolls?

Answered on August 13th 2015 by Attorney Stephen Jessup

A: Rebecca, no, they do not share the information with the SSA.

Request a Free Consultation

Our Lawyers Respond Same Day

Your full name (required)

Your email (required)

Your phone number

Occupation prior to disability?

Monthly disability amount?

Age on date of disability?

What are your disabling conditions and how can we help you?

Are you receiving any other benefits such as state disability, social security, worker's compensation?

By submitting this form you agree to receive SMS from Dell Disability Lawyers. Carrier and Data rates may apply. Message frequency may vary. Reply STOP at any time to end messaging or Reply HELP for more information.

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!

View All Reviews (503)