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 681–700 of 735 Answered Questions

Q: How often should I go to the doctor?

Answered on August 3rd 2012 by Attorney Gregory Dell

A: We usually recommend that our client go to the doctor a minimum of once every 3 months.

Q: Is it common practice for SunLife to threaten vocation review if I don't take their buy outs?

Answered on June 29th 2012 by Attorney Gregory Dell

A: Samantha, Yes, this is a strong-arm technique unique to Sun Life. It is likely you should reject their low-bal...

Q: Do I have to give Unum access to my tax file and what I receive from my church?

Answered on June 14th 2012 by Attorney Stephen Jessup

A: BJ, It is likely that your policy requires you to release the information that UNUM is seeking. If it does not...

Q: Can I sell my LTD benefits with Metlife for a lump sum?

Answered on May 24th 2012 by Attorney Gregory Dell

A: Bill, As of recently, MetLife has not been interested in lump-sum settlements of group disability policies in ...

Q: How long will it take Unum to decide if my condition is mental or physical?

Answered on April 28th 2012 by Attorney Gregory Dell

A: Cathy, If you have disabling physical conditions then Unum has to evaluate them. Unum will usually make a dete...

Q: Can MetLife reduce their payments to me if I file early for social security?

Answered on March 27th 2012 by Attorney Gregory Dell

A: Greg, MetLife usually reduces for any type of Social Security Payments so it may not make sense for you to tak...

Q: What should I do If Aetna has been following me?

Answered on April 5th 2012 by Attorney Gregory Dell

A: Arlene, If you feel that you are being followed and your life is in danger, then you should immediately report...

Q: Can Cigna cut off my mom's benefits after 2 years? Also, where can I get their guidelines?

Answered on April 4th 2012 by Attorney Gregory Dell

A: 1) A two year limitation of benefits for mental illness is common in Cigna disability policies. It is legal fo...

Q: If you appeal when Unum denies you, do you still receive funds?

Answered on April 3rd 2012 by Attorney Gregory Dell

A: Cathy, when Unum or any other disability insurance company denies a claim, then they usually stop paying disab...

Q: Am I obligated to provide my Tax returns to Guardian for my LTD Disability?

Answered on March 23rd 2012 by Attorney Gregory Dell

A: Ardi, You can blackout any information that is related to your wife or anyone else. You should send in the ret...

Q: What do I do if LFG hasn't given me the money they owe me and won't let me speak to a supervisor?

Answered on March 23rd 2012 by Attorney Gregory Dell

A: Stephanie, You need to deal with Lincoln Financial in writing and demand that they pay you interest on the mon...

Q: Can I still file an appeal if I missed a day?

Answered on March 18th 2012 by Attorney Alex Palamara

A: Z, In the scenario you have presented, you should still file an appeal if you were still employed by the compa...

Q: Can I access money from my 401k without Unum reducing my benefits?

Answered on March 2nd 2012 by Attorney Stephen Jessup

A: Shelly, The answer to your question depends on the language contained in the Unum disability policy. Without s...

Q: What percentage is usually offered for settlement?

Answered on February 25th 2012 by Attorney Gregory Dell

A: Claire, Thank you for your recommendation of our firm. Your claim is likely in Cigna’s lump-sum buyout divis...

Q: Can Cigna deny my appeal on such short notice?

Answered on February 23rd 2012 by Attorney Gregory Dell

A: Mitzie, It is extremely important that you comply with the Appeal deadlines and send in all medical informatio...

Q: How can I get copies of my policies?

Answered on February 16th 2012 by Attorney Gregory Dell

A: If he sends a request to Northwestern Mutual, then they will provide him with a copy of the policies. It is es...

Q: Should I accept Unum's lump sum pay off on a lifetime policy? How do I determine if the offer is fair?

Answered on February 16th 2012 by Attorney Gregory Dell

A: Young Doc, Unum will continue to monitor you for the rest of your life, especially if you have a lifetime disa...

Q: What % offer (for a lump sum buyout) would you consider low, average, and high?

Answered on February 11th 2012 by Attorney Gregory Dell

A: Roger, Great question. In some situations Hartford will engage in a disability lump sum buyout negotiation. Th...

Q: I meet 20 of LFG's requirments for disability but was still denied. What do I do?

Answered on February 6th 2012 by Attorney Gregory Dell

A: Candi, If you have exhausted all your appeals then your only option is to file a lawsuit. Please contact us if...

Q: Can MetLife end my beneifts without verifying my diagnosis (that is an exception to their 24 month clause)?

Answered on February 4th 2012 by Attorney Gregory Dell

A: Bobby, You need to file an appeal of your denial within the timeline that MetLife has given you. You have 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)