Ask Our Lawyers Your Disability Insurance Questions

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

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Showing 621–640 of 736 Answered Questions

Q: Since Unum discontinued my benefits, and I was not receiving anything from them, am I still responsible to notify them about social security?

Answered on January 18th 2014 by Attorney Cesar Gavidia

A: Joy, Unum would still have a legal right to repayment of any lump sum back benefit amount on account of your S...

Q: Why can a doctor that I've only seen once decide I'm okay to work? What should I do if Aetna denies me again?

Answered on January 15th 2014 by Attorney Alex Palamara

A: Thomas, Aetna typically only offers one level of appellate review. If your claim is denied again your only rec...

Q: Can MetLife request my tax information?

Answered on January 13th 2014 by Attorney Jay Symonds

A: Cynthia, Typically, in order to calculate your monthly benefit, the carrier would need financial documentation...

Q: When it comes to qualifying for long-term disability benefits from Sun Life, can you tell me is PTSD, short-term and long term memory loss considered a mental and physical disability with Sun Life? If I show SunLife proof that I can't work, do they have to continue my benefits?

Answered on January 11th 2014 by Attorney Stephen Jessup

A: Shannon, If the memory loss is on account of the PTSD, as opposed to an organic brain condition, then chances ...

Q: Can SunLife take 60 days to respond? Can they deny me even when my doctor says I cannot work?

Answered on January 10th 2014 by Attorney Alex Palamara

A: Shannon, Sixty days does is a long time to respond. ERISA provides Sun Life with 45 days to render a decision,...

Q: Is it normal for LFG to take nearly 3 months to process a claim?

Answered on January 4th 2014 by Attorney Stephen Jessup

A: Kathy, Lincoln is certainly stalling review of the claim. However, I would caution you that under most policie...

Q: What do I do if my doctor has me on no limitations, allowing Principal to cut my benefits?

Answered on February 7th 2014 by Attorney Stephen Jessup

A: Julie, You need to have your doctor document continued restrictions and limitations that would prevent you fro...

Q: If I don't return to work after I give birth, do I need to pay back any money to Unum (after my maternity leave)?

Answered on January 2nd 2014 by Attorney Stephen Jessup

A: Tiffany, Short term disability acts as income replacement due to your inability to work. If you meet the defin...

Q: Unum told me my benefits were their money after I spent it. Can they hold my LTD check and apply it to the balance I owe?

Answered on December 16th 2013 by Attorney Gregory Dell

A: Geneva, The law is not very clear on overpayments, but I would not declare bankruptcy because of the $48,000 o...

Q: Do I have to have any taxes taken out if I want a lump sum buyout or can I wait to tile taxes in April and pay them then?

Answered on December 21st 2013 by Attorney Gregory Dell

A: The decision on taxes is part of negotiating a lump sum settlement. Contact us privately about a Unum lump sum...

Q: Do I need a lawyer to move Unum's decision process along?

Answered on December 17th 2013 by Attorney Gregory Dell

A: Don, You can certainly have a lawyer at our firm assist you with the handling of your claim, but it seems like...

Q: If Lincoln denies my appeal, what do I do next?

Answered on December 9th 2013 by Attorney Stephen Jessup

A: Karen, The majority of Lincoln policies require a two-step appeal process, so if your claim is denied on the i...

Q: Can I request a lump sum buyout from Unum or do I have to wait until they offer it?

Answered on November 29th 2013 by Attorney Gregory Dell

A: Chuck, most disability insurance companies will not entertain any lump sum buyout inquiries until after a swit...

Q: What can I do if Unum repeatedly says they haven't received my documents?

Answered on November 25th 2013 by Attorney Stephen Jessup

A: Valerie, I would recommend sending them certified mail, or some other form of delivery that you can confirm re...

Q: Why is Prudential requesting weekly updates?

Answered on November 21st 2013 by Attorney Cesar Gavidia

A: C. Murphy, The reason why Prudential is requesting weekly updates (as opposed to monthly) is most likely due t...

Q: Will MetLife cancel my benefits if I accept Medicare?

Answered on November 21st 2013 by Attorney Stephen Jessup

A: Jon, Medicare relates to health insurance, which has no impact on your ability to receive disability benefits....

Q: Have you successfully challenged Principal ignoring my physical health issues and only selecting depression so they only have to pay 2 years?

Answered on November 29th 2013 by Attorney Stephen Jessup

A: Susan, yes, this has been successfully challenged in the past. Please feel free to contact our office to discu...

Q: What do I do if Lincoln doesn't think SSD is strong evidence of disability?

Answered on November 17th 2013 by Attorney Gregory Dell

A: Debbie, If the claim is in fact denied you will have to go through the administrative appeal process. Although...

Q: if I file before my STD goes into effect, will LFG deny the claim?

Answered on November 16th 2013 by Attorney Stephen Jessup

A: JMP, If your policy is effective January 1, and you attempt to file before that date, chances are they will de...

Q: How should I best prepare for my 5-year review with Reliance Standard? Does "own" occupation turn into "any" occupation at this point?

Answered on November 14th 2013 by Attorney Stephen Jessup

A: DPC, without the policy I would not be able to advise you as to when your own to any occupation review begins....

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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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