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 481–500 of 735 Answered Questions

Q: Is it worth is to go to court over $2500?

Answered on August 8th 2015 by Attorney Alex Palamara

A: Mark, If you have no additional appeals your only option would be to find representation to file a federal law...

Q: How long will it take Cigna to get back to me? Will my military retiree pay be held against my policy 60%? Will Cigna exploit the disparity in the medical community over my illness?

Answered on August 6th 2015 by Attorney Stephen Jessup

A: Craig, Unfortunately it can sometime take up to 45 days to receive a decision from Cigna as to your entitlemen...

Q: Can I still fight UNUM for denying my STD and LTD?

Answered on August 5th 2015 by Attorney Stephen Jessup

A: Priscilla, how long ago was your claim denied by Unum? Did you go through the administrative appeal process? P...

Q: If I was approved for LTD through LFG but haven’t gotten a check yet, can I get a buyout to avoid drama with them?

Answered on August 1st 2015 by Attorney Stephen Jessup

A: Lincoln will most likely not negotiate any type of buyout till you have been on claim for 2 years and have all...

Q: Will my LTD payments be offset by my ex husband's Railroad Retirement Tier 2 benefits?

Answered on July 31st 2015 by Attorney Stephen Jessup

A: Sharon, It would depend on how the policy defines Sources of other income. If you have a copy of the policy pl...

Q: Why does my husband's Guardian policy not pay for elimination period while mine does?

Answered on July 28th 2015 by Attorney Stephen Jessup

A: Roxy, The policy will define elimination period as the period of days that one must be disabled before benefit...

Q: Can Principal request 10 years of my medical history and 5 years of tax information?

Answered on July 26th 2015 by Attorney Stephen Jessup

A: Chandra, We will need to see a copy of your policy, to include a copy of the application you completed to obta...

Q: If I have LTD through UNUM can I move out of state?

Answered on July 14th 2015 by Attorney Cesar Gavidia

A: Moving, you can move out of the state, but there may be restrictions with respect to moving outside of the Uni...

Q: Who is responsible for providing a copy of my policy? And do I have to give Guardian all of the back pay if approved for SSDI to offset payments already made?

Answered on July 3rd 2015 by Attorney Gregory Dell

A: Kelly, Your employer is responsible for providing the policy. I would recommend that you put your request for ...

Q: Am I responsible for the repayment of any applicable overpayment on account of SSDI for any period of time that Prudential does pay?

Answered on June 21st 2015 by Attorney Stephen Jessup

A: Gregory, You will be responsible for the repayment of any applicable overpayment on account of the SSDI award ...

Q: Should I hire my own lawyer or use Guardian's advocator group?

Answered on July 17th 2015 by Attorney Stephen Jessup

A: Susan, we believe choosing representation of your choice is the best option. Please feel free to contact our o...

Q: How frequently can MetLife request an IME?

Answered on June 12th 2015 by Attorney Gregory Dell

A: Frustrated, There is no set number of times, unless the policy designates a limit (this is very rare). Typical...

Q: What is the appeal process? How can I get a copy of my policy?

Answered on July 6th 2015 by Attorney Stephen Jessup

A: Gail, Your employer (or former employer) is responsible for providing you with a copy of your policy. I recomm...

Q: Unum's surveillance was wrong, but I got denied. What can I do?

Answered on June 2nd 2015 by Attorney Stephen Jessup

A: Charles, please contact our office. You will need to file an Administrative Appeal of the denial of benefits. ...

Q: What is Hartford's typical M.O.?

Answered on May 23rd 2015 by Attorney Stephen Jessup

A: Mike, Hartford’s typical M.O. is to conduct video surveillance, conduct a field interview, and the conductin...

Q: Can MetLife reduce my husband's benefit if I am receiving benefits on my own award of SSDI?

Answered on May 21st 2015 by Attorney Gregory Dell

A: Dona, MetLife would only be able to offset your husband’s claim if you were receiving dependent SSDI based o...

Q: What should I do if Hartford changes their policy to terminate my LTD?

Answered on May 21st 2015 by Attorney Stephen Jessup

A: Charles, The letter should detail your rights to an administrative appeal. Under ERISA based disability polici...

Q: Unum wants me to give them my SSA money for a month I didn’t receive it. Do I have recourse?

Answered on May 21st 2015 by Attorney Stephen Jessup

A: Martha, unfortunately, there really is no recourse due to the SSA paying in arrears.

Q: Was Unum right to stop my disability at age 65?

Answered on May 19th 2015 by Attorney Stephen Jessup

A: Tom, If your policy only provides coverage to age 65 then that is all you would be entitled to. I suggest you ...

Q: Can Mutual of Omaha review my doctor records again because it's only been 1 year since my policy? Can they ask for my SS number and employer ID?

Answered on May 18th 2015 by Attorney Rachel Alters

A: Darlene, The Physician’s Supplement statement usually requires your SS# and Employer ID. It is a way for the...

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)