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 661–680 of 735 Answered Questions

Q: Is bipolar disorder considered a mental or physical condition subject to the 24 month term for mental health?

Answered on June 6th 2013 by Attorney Stephen Jessup

A: Lori, The answer is dependent on the language used in your policy. Some policies exclude Bipolar from the 24 m...

Q: Am I required to meet with Unum rep?

Answered on June 3rd 2013 by Attorney Gregory Dell

A: Merilee, you are not required to meet with Unum unless your disability policy states that you must meet with t...

Q: Can the AGS help me regarding how Unum treated me?

Answered on May 30th 2013 by Attorney Gregory Dell

A: Christine, you can also file a complaint with the Department of Labor. You need to submit an Appeal in writing...

Q: Can Standard recollect the fee awarded to my attorney? Can they recover benefits paid during a time they were also paying the claim?

Answered on May 11th 2013 by Attorney Stephen Jessup

A: Karen, Standard would not be able to recollect the fee ($6,000.00) awarded to the attorney that represented yo...

Q: Can I file a harassment suit against Unum?

Answered on May 10th 2013 by Attorney Stephen Jessup

A: Carol, unfortunately you are not alone in your frustrations. However, under long term disability policies gove...

Q: Would you recommend Guardian or NWM for disability insurance for a Cardiologist?

Answered on April 10th 2013 by Attorney Rachel Alters

A: Ryan, they are both good companies, but they both offer very different definitions of disability. Northwestern...

Q: Is it legal for Cigna and my company to say they are still creating/writing my policy?

Answered on March 15th 2013 by Attorney Stephen Jessup

A: Dick, this is a very strange situation. Under the ERISA regulations your employer only has 30 days to comply w...

Q: You say that NML is one of the three most credible companies selling disability insurance. What are the other two?

Answered on February 6th 2013 by Attorney Gregory Dell

A: Garett, In my opinion Guardian/Berkshire and then the next selection would depend on your occupation. If you a...

Q: Is it worth fighting Cigna after they denied my claim?

Answered on January 12th 2013 by Attorney Gregory Dell

A: Victoria, It may be worth fighting depending on the amount of benefits you are owed and how much in remaining ...

Q: Can UNUM offset my daughter's Survival Benefits resulting from her dad's death?

Answered on January 6th 2013 by Attorney Gregory Dell

A: Alison, no. Unum should not be able to offset in the situation you described. If they try to, please contact u...

Q: How do I convince MetLife that my condition is, indeed, severe?

Answered on December 21st 2012 by Attorney Gregory Dell

A: Steve, The self-reported pain limitation in some of the Metlife long term disability policies is very restrict...

Q: How can I find out how much overpayment Reliance Standard will be able to recover from me?

Answered on December 8th 2012 by Attorney Gregory Dell

A: Regina, Reliance Standard will be able to recover an overpayment for any period of time that Reliance paid whi...

Q: Can Omaha say that I'm not an active employee because I work less than 30 hours per week?

Answered on November 24th 2012 by Attorney Gregory Dell

A: Troy, We have dealt with your issued before. Mutual of Omaha is making a technical argument that will really d...

Q: Can I obtain an LTD buyout from Metlife?

Answered on October 30th 2012 by Attorney Gregory Dell

A: Tasha, If you have a MetLife Group Policy from your employer, then it is highly unlikely MetLife will offer an...

Q: Can The Standard threaten my credit?

Answered on October 22nd 2012 by Attorney Gregory Dell

A: Andrea, The Standard Insurance Company should not be threatening your credit. If there is an overpayment to yo...

Q: Should I tell Unum that I privately purchased their disability policy?

Answered on October 22nd 2012 by Attorney Gregory Dell

A: JAB, there is no harm in telling Unum or HR about the private disability policy you own. There may be a setoff...

Q: Besides suing The Standard, what can I do to fight them?

Answered on October 21st 2012 by Attorney Gregory Dell

A: John, You can file a complaint with the Oregon Department of Insurance about the wrongful treatment you have r...

Q: Can Prudential cancel or deny your claim if you are approved for social security disability benefits?

Answered on October 31st 2012 by Attorney Gregory Dell

A: DeeJay, If the appeal deadline has not passed, then you should still appeal ASAP. Prudential is not bound to f...

Q: Does Reliance Standard use my salary or real earnings to calculate my STD benefits?

Answered on September 28th 2012 by Attorney Gregory Dell

A: Letticia, every disability policy can contain different language, therefore without seeing the policy we are u...

Q: Why is MOO saying my husband does not have MS to receive LTD when they approved his STD because of MS? Should I hire an attorney?

Answered on December 22nd 2012 by Attorney Gregory Dell

A: Marilyn, Hiring an attorney is obviously optional, but you are trying to deal with a multi billion dollar insu...

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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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