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 521–540 of 735 Answered Questions

Q: My group LTD policy goes through payroll deduction, but my income does not fluctuate. How should I proceed?

Answered on January 28th 2015 by Attorney Jay Symonds

A: MB, First and foremost, I would recommend that you obtain a copy of your short and long term disability policy...

Q: Should I be concerned about Unum denying my coverage after sending them extensive medical records?

Answered on February 12th 2015 by Attorney Jay Symonds

A: Daniel, Unfortunately no one can ever tell you that you have nothing to worry about when dealing with an insur...

Q: Can I move to the USA and still get my Standard Life disability payments?

Answered on January 30th 2015 by Attorney Stephen Jessup

A: Louise, You would have to review your disability insurance policy to determine if there are any restrictions o...

Q: Can I file a state and/or federal complain against Unum for giving me the run around? If not, what's my best option?

Answered on January 30th 2015 by Attorney Jay Symonds

A: John, A lawsuit can only be brought after exhaustion of Administrative remedies (appeal). If your claim has no...

Q: Can I advise Cigna to sop making payments if I intend to return to work?

Answered on January 21st 2015 by Attorney Stephen Jessup

A: Michelle

Q: What should I do if Unum wants to cut my mental health benefits after 2 years?

Answered on January 20th 2015 by Attorney Stephen Jessup

A: Teresa, I am sorry to hear of your situation. Unfortunately, Unum’s 24 month limitation for mental health cl...

Q: Is Principal entitled to seek payment of the portion of SSDI paid to my attorney? Will they stop paying me when I get my first Social Security check?

Answered on January 13th 2015 by Attorney Stephen Jessup

A: Glenda, Principal would not be entitled to seek repayment of the portion of SSDI paid to your attorney. As lon...

Q: How do I know what Cigna considers an earnings qualifier for an “any occupation” occupation?

Answered on January 10th 2015 by Attorney Alex Palamara

A: Linda, What Cigna has done to you is becoming all too common. The policy will strictly define what Cigna can c...

Q: Can Cigna force me to use Advantage 2000?

Answered on January 9th 2015 by Attorney Stephen Jessup

A: RDF, You have NO duty to use Advantage 2000. Your policy only requires you to make application for SSDI. You c...

Q: Do you have anyone you recommend in the UK?

Answered on January 9th 2015 by Attorney Stephen Jessup

A: Dave, Unfortunately, we do not have anyone we could recommend in the UK. However, if your claim originates fro...

Q: Can NWM rescind my policy because I forgot to disclose an illness I had 20 years ago (that I no longer have)? Do I have to sign their release to access everything about me?

Answered on January 6th 2015 by Attorney Alex Palamara

A: Christine, If you failed to disclose a medical condition on an application to purchase a disability insurance ...

Q: Do I have to return to work despite my issues if I can still appeal the denial?

Answered on January 5th 2015 by Attorney Stephen Jessup

A: Rebecca, The questions as to whether or not you can return to work is a determination for you and your doctor....

Q: Will Prudential conduct a review of my claim after I've been denied by SSA?

Answered on December 27th 2014 by Attorney Cesar Gavidia

A: Steven, There does stand a chance that Prudential will conduct a review of your claim to determine continued e...

Q: Can I sue Unum for emotional distress while my appeal plays out?

Answered on December 24th 2014 by Attorney Alex Palamara

A: Kin, If your policy is governed by ERISA, then you would not be able to sue for any extra-contractual damages ...

Q: Am I eligible for LTD without surgey? I just have medications and fatigue

Answered on December 22nd 2014 by Attorney Stephen Jessup

A: Any medical condition can form the basis of a claim for disability. However, it is a matter of showing how the...

Q: Can Cigna offset my SSDI benefits?

Answered on December 23rd 2014 by Attorney Alex Palamara

A: Candy, Most ERISA governed disability insurance policies allow for the offset of worker’s compensation benef...

Q: Can I file another appeal 1 year later if I find new evidence?

Answered on May 18th 2014 by Attorney Cesar Gavidia

A: JK, If your policy is governed by ERISA you may not be able to for two reasons (1) if Guardian only provides o...

Q: Can I still get compensation from Unum if my claim is not a disability claim?

Answered on December 16th 2014 by Attorney Stephen Jessup

A: Lori, If your policy only pays benefits due to an accident, your condition, or the facts and circumstances sur...

Q: Will Hartford accept my payment arrangment? Will this cancel my LTD benefits?

Answered on December 13th 2014 by Attorney Cesar Gavidia

A: Cindy, Hartford will typically negotiate repayment plans on overpayments, which can include withholding your m...

Q: Should I contact Cigna to ask for something in writing to have it on record?

Answered on December 13th 2014 by Attorney Stephen Jessup

A: Deb, Under the law Cigna will have to provide you with formal written notice of any denial of benefits. Are th...

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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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