Ask Our Lawyers Your Disability Insurance Questions

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

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Showing 561–580 of 739 Answered Questions

Q: If I attempt to return to work with restrictions due to injury and am still in pain, how do I handle my claim with Reliance Standard?

Answered on September 27th 2014 by Attorney Stephen Jessup

A: Ben, if you are not physically able to work then only you can make the decision about attempting to return to ...

Q: Is Unum a third administrator for major companies?

Answered on September 17th 2014 by Attorney Stephen Jessup

A: Trish, Unum will sometimes act in an administration capacity with MetLife, but usually only under individual i...

Q: What should I do if Aetna denied my claim based on a social media post they saw?

Answered on September 16th 2014 by Attorney Cesar Gavidia

A: Lee, Your policy is most likely governed by ERISA, which will require the filing of an administrative appeal b...

Q: Can MassMutual deny my claim due to an issue not included in my physician's formal diagnosis?

Answered on September 12th 2014 by Attorney Stephen Jessup

A: Jimmy, Unfortunately, Mass Mutual is within their rights to decline to provide insurance coverage as they see ...

Q: Is It common practice for Standard to not return my calls? Should I hire an attorney?

Answered on September 9th 2014 by Attorney Alex Palamara

A: Bernadette, It is unusual that Standard would all of a sudden go silent. Please feel free to contact our offic...

Q: Is it capricious if another person's medical information was included in my file and likely used in the determination denial? Would Cigna be liable for other other damages or does ERISA insulate them?

Answered on September 2nd 2014 by Attorney Cesar Gavidia

A: Stev, If Cigna’s denial is based on records and information that do not belong to you then their reliance on...

Q: Should I add my physical illnesses to my exsisting STD claim or file a new claim?

Answered on September 2nd 2014 by Attorney Rachel Alters

A: Rodney, Yes. Disability insurance claims consider all conditions that may be resulting in your inability to wo...

Q: Can I sue MOO?

Answered on August 30th 2014 by Attorney Gregory Dell

A: Vanessa, I am sorry to hear about all that you have been through. ERISA, the law that governs your disability ...

Q: Can employer provided policies contain provisions that allow them to reduce the amount they have to pay based upon source of "other income"?

Answered on August 28th 2014 by Attorney Stephen Jessup

A: Sharon, Employer provided policies contain provisions that allow them to reduce the amount they have to pay ba...

Q: Are retirement benefits from a previous employer considered a sourceo of other income subject to offset?

Answered on August 21st 2014 by Attorney Stephen Jessup

A: Joel, Usually, retirement benefits from a previous employer are not considered a source of other income subjec...

Q: Will filing a lawsuit against Standard (for not returning my calls and repeatedly asking for extensions) work in my favor?

Answered on August 13th 2014 by Attorney Alex Palamara

A: Brett, Filing a lawsuit now could work heavily in your favor. However, without a better understanding of the t...

Q: I want to sue Aetna for all that they have put me through. What are my options?

Answered on August 6th 2014 by Attorney Stephen Jessup

A: Jillian, Have you exhausted all of your administrative remedies (appeals)? If so, your only option may be to f...

Q: Since I started receiving SSD before LTD started can they legally reduce my LTD?

Answered on August 3rd 2014 by Attorney Alex Palamara

A: CB, We would need to know more about the specific facts surrounding your claim for benefits under SSDI and you...

Q: Should my wife attend Cigna's Rehabilitation evaluation?

Answered on July 29th 2014 by Attorney Cesar Gavidia

A: Randy, Employer provided policies typically contain provisions relating to Rehabilitation programs. If they ar...

Q: Aetna denied my claim because it was due to work related stress. Can I appeal?

Answered on July 21st 2014 by Attorney Stephen Jessup

A: Kimberly, You will need to review your policy carefully. Some short term disability policies do not cover work...

Q: Why is Aetna requesting an IME? How should I handle it?

Answered on July 13th 2014 by Attorney Jay Symonds

A: Gordon, If Aetna is sending you for an IME then they have some reason to believe you may no longer be disabled...

Q: Can Aetna request monthly information?

Answered on June 30th 2014 by Attorney Stephen Jessup

A: Michael, Unfortunately, due to the fact that a determination of continued disability benefits is a month to mo...

Q: Is it not my right to have a copy of my own medical records if I request it?

Answered on June 27th 2014 by Attorney Stephen Jessup

A: Peggy, Hartford does not have a duty at this time to provide you directly with a copy of the IME report. Howev...

Q: Why can Cigna go against their rule that states if a claimant becomes totally disabled due to a pre-existing condition after the LTD policy with Cigna has been in force for 12 months, they will waive the pre-existing condition exclusion concerning payment of benefits?

Answered on June 16th 2014 by Attorney Alex Palamara

A: Deb, From the information you provided the Bi-Polar Disorder would appear to be pre-existing. Typically, if yo...

Q: Is it true that Canadian insurance companies can't limit mental issues to 2 years?

Answered on June 15th 2014 by Attorney Cesar Gavidia

A: Marilyn, I am not sure what the rules governing disability policies in Canada provide. There has even been a p...

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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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